EurosiaSystems
"Crypto in. Euro out. One payment infrastructure."
An end-to-end regulated payment infrastructure company headquartered in Estonia with pan-European licensing. We offer banks, retailers and fintechs a single API to power crypto-to-fiat payment flows — and white-label the entire stack under your brand.
Infrastructure Stack
500M+ crypto holders.
None can pay at the supermarket.
The biggest problem for crypto holders worldwide is usability, not liquidity. Balances exist but they can't be spent where it matters. Off-ramp chain today: exchange → bank → card → 2–3 days. Every hop adds spread, fees and tax uncertainty.
Our solution
We collapse the entire chain into one screen, in seconds, fully compliant.
"Paying with crypto should feel as ordinary as tapping a debit card."
6 seconds. 1 tap.
Under the hood we're orchestrating 4 blockchain networks, 2 liquidity providers, KYC and AML screening — in real time.
User scans POS QR in the app
Platform locks FX rate for 30 seconds
User confirms with Face ID / Touch ID
Swap engine converts crypto → euro
Merchant card funded in euros
End-of-day settlement to merchant IBAN
Launch your own payment platform in 6 weeks
Take a single module, or the whole stack — you decide. Your bank, fintech or retail chain can go live with its own branded app using our battle-tested infrastructure.
White-Label App
iOS & Android app, your brand colour, logo, domain. Go live in 6 weeks.
Merchant Gateway
Checkout SDK, POS app, merchant dashboard. Shopify, WooCommerce, custom.
Card Program
BIN sponsorship, physical card manufacturing, Apple / Google Pay provisioning.
Custody Engine
Fireblocks-based MPC wallet infrastructure. No single private key exists.
Compliance Suite
KYC, AML, sanctions screening, fraud monitoring. Sumsub + ComplyAdvantage.
Admin & Analytics
Real-time transaction console, alerting, reporting — full operational visibility.
Regional Adaptation
Local currencies, local IBANs, SEPA Instant, FPS, ACH — whatever the market needs.
Vertical Packages
Ready-made templates for travel, B2B SaaS, and online marketplaces.
Regulatory Umbrella
Partners without a license can operate under our BIN sponsor + VASP umbrella.
Built for every business model
Retailers
Add a QR at the till, accept crypto payments from customers worldwide
New customer class, lower fees than cards
E-commerce
"Pay with Crypto" button embedded at checkout
3–8% uplift in conversion
Fintechs
Embed the EurosiaPay module into their existing app
Crypto feature shipped in 6 weeks
Banks
Launch a white-label "XPay" for their younger segment
Pull users back from unregulated exchanges
Enterprises
Payroll, B2B transfer, treasury conversions
Instant euro liquidity on a KYB-compliant rail
What sets us apart
Fireblocks MPC Custody
No single private key exists. Fireblocks has processed over $6 trillion in institutional volume with zero breaches. Assets covered by up to $150M custody insurance.
< 3s Payment Confirmation
Industry average is 4–10 seconds. We confirm till-to-merchant in under 3 seconds. API p99 latency under 180ms. Same-day T+0 merchant settlement.
30-Second Rate Lock
Double the 10-second industry norm. The FX rate is frozen while the user confirms — users see a fair price even in volatile moments. Zero volatility risk.
MiCA-Ready Regulation
Estonian VASP license — among Europe's strictest frameworks. MiCA-compliant, passportable across the entire EU. FATF Travel Rule automation built in.
Automatic MCC Filtering
High-risk categories (gambling, ATM, crypto exchange) are blocked in real time. Still a manual process for most competitors. Invisible to the merchant.
Built-in Sandbox
Every compliance scenario — reject, AML alert, MCC block — can be simulated via API. Developers complete integration in one day. Full OpenAPI 3.1 spec.
Competitive snapshot
| Capability | Eurosia Systems | Exchange Card | Legacy Gateway |
|---|---|---|---|
| Real-time swap at spend (< 3s) | ✓ | ✗ | ✗ |
| Custody insurance ($150M) | ✓ | ~ | ✗ |
| White-label infrastructure | ✓ | ✗ | ~ |
| Automatic MCC block | ✓ | ✗ | ✗ |
| MiCA readiness | ✓ | ~ | ✗ |
| POS QR + Card + Apple Pay | ✓ | ✗ | ✗ |
| Sandbox simulation | ✓ | ~ | ~ |
Ready to launch your
payment platform?
Merchant integration: 1-hour demo + sandbox access. White-label conversation: detailed technical & commercial pack under NDA. Investor deck available on request.
Typical response time: under 4 business hours