Institutional-Grade Financial Protection

Security by design, not by afterthought.

KlyroPay combines non-custodial cryptography, Arc L1 deterministic finality, and institutional double-entry accounting to protect every single cent.

100% Non-Custodial Architecture

External wallet keys remain with your provider. New KlyroPay Testnet wallets are generated and used in your browser with a standard 12-word BIP-39 recovery phrase; KlyroPay stores only encrypted vault data and never receives plaintext private keys or recovery phrases. Older wallets may still use their legacy recovery code.

Direct peer-to-peer and merchant wallet settlement

Zero counterparty bankruptcy or custody freeze risk

You retain sovereign cryptographic ownership of all funds at all times

Arc Network Deterministic Finality

Built on Arc Network L1 with sub-second deterministic finality. Once an onchain block confirms, the settlement is irreversible and mathematically guaranteed.

Sub-800ms deterministic consensus without probabilistic rollbacks

0% chargeback fraud risk — eliminates the 120-day clawback window of credit cards

Native USDC gas currency avoids volatile slippage and failed gas spikes

Double-Entry Ledger Integrity

Engineered following fintech institutional standards from System Design Interview. Every movement of funds is recorded with strict debit and credit balancing.

Mathematical invariant enforcement: SUM(Debits) == SUM(Credits)

Immutable append-only audit trail for all merchant payments and fees

Cryptographically auditable settlement receipts matching onchain hashes

Idempotency & Replay Protection

All payment intents and receipt verification endpoints require client-generated UUID idempotency keys to prevent duplicate billing.

Guaranteed single-charge execution even under network disconnects or retries

Automatic deduplication in distributed caching and database layers

State machine progression: CREATED → PENDING → CONFIRMED / EXPIRED

The Fundamental Difference

Why Non-Custodial Matters For Your Business

Traditional payment gateways hold your capital in rolling reserves for up to 90 days. If a centralized gateway freezes your account, your business grinds to a halt.

With KlyroPay, payments route directly to your own wallet. There is no middleman holding your keys or capable of unilaterally withholding your funds.

Custodial Gateways (Stripe, PayPal)

They custody all merchant funds, enforce arbitrary 120-day rolling reserves, and can suspend payouts without recourse.

KlyroPay Non-Custodial Architecture

Direct EVM smart contracts. Funds arrive in your personal hardware or multisig wallet within 800ms of payment completion.

Experience non-custodial speed firsthand

Test our sub-second checkout sandbox on Arc Testnet. Zero real funds required.

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Questions or support? hello@klyropay.xyz