KuvarPay

🚀 What is KuvarPay?

KuvarPay is a next-generation payment gateway that allows African businesses to accept payments in over 1,300 cryptocurrencies and receive instant settlements directly in their local currencies — no volatility, no manual conversions, no friction.

Our system supports both one-time checkouts and fully automated recurring or dynamic billing, making it the most flexible crypto payment infrastructure for African merchants today.

💡 Problem We’re Solving

African businesses face major barriers in global payments:

• Difficulty accepting crypto payments at scale

• Complex wallet management and conversion processes

• High cross-border payment costs and delays

• No reliable crypto-based recurring billing infrastructure

KuvarPay solves this by providing a unified system that:

• Accepts 1300+ cryptocurrencies

• Converts automatically to local fiat currencies

• Handles recurring and dynamic payments seamlessly

• Gives merchants analytics, invoices, and payout tracking — all in one dashboard

⚙️ How KuvarPay Works

1. Customer Checkout:
   The customer selects “Pay with Crypto” at checkout and chooses any supported cryptocurrency.

2. Payment Confirmation:
   KuvarPay verifies the on-chain transaction and locks the payment value in real-time.

3. Instant Local Settlement:
   The crypto payment is instantly converted and settled directly in the merchant’s local currency (e.g., NGN, RWF, GHS, KES).

4. Recurring & Dynamic Billing System:

   • Recurring Mode: Merchants set up fixed billing cycles (daily, weekly, or monthly). KuvarPay automates renewals, retries failed charges, and notifies merchants.

   • Dynamic Billing Mode: Merchants charge flexible amounts based on usage, metered data, or dynamic pricing (e.g., per API call, delivery, or transaction volume).

Both payment types are now fully live in our MVP.

🧩 Technical Architecture

• Frontend: Next.js + TypeScript

• Backend: Node.js + Express + Fastify

• Blockchain Layer: ethers.js / web3.js for multi-chain monitoring and transaction validation

• Billing Engine: Hybrid smart contract + off-chain scheduler to handle both fixed and metered recurring payments

• Database: PostgreSQL for merchants, customers, and invoices

• Settlement Engine: Real-time FX conversion through liquidity APIs + payout integration with local partners (e.g., Paystack, Flutterwave)

• Security: Non-custodial crypto flow, data encryption, and Smile ID-powered merchant KYC

🌍 Core Features

💼 Use Cases

• SaaS & APIs: Bill users in crypto on a recurring or usage-based model.

• E-commerce & Online Stores: Accept crypto payments from global buyers, receive instant fiat locally.

• Freelancers & Service Providers: Receive crypto from anywhere, get settled in local currency.

• Membership Platforms: Manage subscriptions in crypto effortlessly.

🔭 Vision

KuvarPay’s mission is to make crypto payments mainstream across Africa — empowering businesses to transact globally while getting paid locally.
We’re building Africa’s first crypto-fiat bridge that makes it as easy to accept Bitcoin as it is to accept mobile money.

Our long-term vision is to extend KuvarPay globally, merging crypto, fiat, and blockchain-based fiat transfers into a single seamless payment layer.

Our hackathon MVP already includes:

• ✅ Fully functional crypto checkout

• ✅ Working recurring + dynamic billing engine

• ✅ Instant fiat settlement for African currencies

• ✅ Merchant dashboard and developer APIs

Focus areas:

• User experience and merchant onboarding

• Security and on-chain monitoring

• Extensible API for third-party integrations

🪙 Future Roadmap