Card → USDC Exchange Terminal Flow
1. Card Payment
User pays in USD using debit/credit card or Apple Pay.
2. QR Code
Terminal displays a QR code for verification.
3. SMS Confirmation
User scans QR and sends pre-filled SMS confirming the exchange.
4. USDC Sent
Funds instantly converted to USDC and sent to merchant wallet.
Apple Pay / Card Checkout
Fast and secure payment options.
After payment, scan the QR code shown below.
QR generates SMS confirmation with pre-filled message.
Prefilled SMS Confirmation
User scans QR, opens pre-filled SMS:
To: +1 (555) 123-4567
"I confirm the exchange of $120.00 for 114.63 USDC."
This step verifies the phone number and user consent.
Fee Breakdown & Rate Lock
Formula: USDC = (USD − Processing − Network) ÷ FX
Merchant Actions Interface
Receive Funds
USDC available to settle: 1,250.00 USDC
All transfers are recorded and auditable. Conversion rates shown before confirmation.
Recent Transactions
Admin Dashboard – Compliance & Ops
1) Monitor
Live feed of terminal health, transaction volume, and settlement status.
2) Verify
User phone capture + optional KYC tiers, sanctions/PEP checks, geofencing.
3) Report
Export SAR flags, state-by-state limits, fee caps, and audit logs.
Admin Dashboard – Advanced Controls
Uptime & Health
Uptime 99.97%, avg latency 420ms, last outage: none.
KYC Tiers
Tier 0: SMS • Tier 1: ID • Tier 2: Proof of address. Auto-escalation by volume.
Risk & Velocity
Velocity checks, device fingerprint, sanctions/PEP screening.
State Rules
Per-state fee caps, daily limits, geo-fencing applied automatically.