Banking-Grade
Payment Platform
Multi-currency wallets, intelligent provider routing, and double-entry ledger. Built for modern fintech platforms that demand reliability at scale.
Powered by Leading Payment Providers
Everything You Need
Built for Scale
Production-ready payment infrastructure with enterprise-grade reliability, security, and performance.
Multi-Currency Wallets
Hold, convert, and transfer 50+ currencies with real-time exchange rates and zero-friction conversions.
AI-Powered Routing
Intelligent provider selection based on success rates, latency, costs, and compliance requirements.
Double-Entry Ledger
Full audit trail with immutable journal entries, ledger accounts, and derived balances.
8+ Payment Providers
Unified interface across Stripe, Adyen, Wise, Worldline, Flutterwave, and more with automatic failover.
Bank-Grade Security
PCI-DSS compliant with encryption at rest and in transit. Multi-factor authentication and biometric support.
Real-Time Analytics
Monitor transactions, track provider performance, and get AI-powered insights for optimization.
Microservices Architecture
Independently scalable services with event-driven communication
Automatic Failover
Circuit breakers and intelligent retry with exponential backoff
Compliance Ready
Built-in KYC/AML workflows with configurable rule engines
Powered by Licensed
Payment Institutions
PayWolt integrates with regulated, licensed payment providers. All fund movements executed by authorized institutions—Stripe, Wise, and Flutterwave.
Stripe
Global (40+ countries)Wise
60+ CountriesFlutterwave
Africa (30+ countries)Provider Roles in PayWolt
Collection Providers
Stripe & Flutterwave collect payments via cards, bank transfers, and mobile money
Payout Providers
Wise & Flutterwave execute cross-border and local payouts globally
Multi-Provider Advantages
Global Coverage
Access 200+ payment methods across 150+ countries with one integration
Intelligent Routing
AI-powered provider selection optimizes for cost, speed, and success rate
Automatic Failover
Seamless fallback to backup providers ensures 99.99% transaction success
Complete System
Overview
Deep-dive into PayWolt's technical architecture, data flows, and infrastructure. Built for transparency and provider integration.
Core System Components
API Gateway
Rate limiting, authentication, request validation
Payment Orchestration
Provider selection, routing, failover logic
Double-Entry Ledger
Immutable journal, accounts, balance derivation
Provider Adapters
Unified interface for Stripe, Wise, Flutterwave, etc.
Security Layer
Encryption, HMAC signatures, zero-trust
Monitoring & Alerts
Real-time metrics, anomaly detection, alerting
Payment Processing Flow
Request Received
Client initiates payment request via REST API
Authentication & Validation
JWT verification, request schema validation, rate limiting
Provider Selection
AI routing based on cost, success rate, compliance, latency
Ledger Entry
Create immutable journal entries with balanced debits/credits
Provider Execution
Execute payment via selected provider with retry logic
Confirmation & Webhook
Update status, send webhooks, emit events
Technical Specifications
Performance
Security
Scalability
Enterprise-Grade
Infrastructure
Built with modern technologies and battle-tested patterns for reliability at scale.
Double-Entry Ledger
Every transaction creates balanced journal entries. Immutable audit trail with cryptographic verification.
Event-Driven Architecture
Loosely coupled microservices communicating through message queues for scalability and resilience.
Provider Abstraction
Unified interface across all payment providers. Swap or add providers without code changes.
Zero-Trust Security
Every request authenticated and authorized. No implicit trust between services.
Technology Stack
Backend
- Node.js / TypeScript
- Express.js
- Prisma ORM
- PostgreSQL
Infrastructure
- Kubernetes
- Docker
- Redis
- RabbitMQ
Security
- AES-256 Encryption
- mTLS
- HMAC Signatures
- Rate Limiting
Monitoring
- Prometheus
- Grafana
- Sentry
- Custom Dashboards
// Initialize payment with automatic provider selection
const payment = await paywolt.payments.create({
amount: 1000,
currency: 'EUR',
destination: {
type: 'bank_account',
country: 'NG',
account_number: '****5678'
},
metadata: {
orderId: 'order_123',
customerId: 'cust_456'
}
});
// Response includes selected provider and tracking
console.log(payment);
// {
// id: 'pay_abc123',
// status: 'processing',
// provider: 'flutterwave',
// estimated_arrival: '2024-01-15T10:00:00Z',
// fee: { amount: 15, currency: 'EUR' }
// }Built with
Industry-Leading Technologies
Every technology choice is intentional, battle-tested, and production-ready. No compromises on performance or reliability.
Backend
Database
Security
Monitoring
Code Quality & Standards
Technology Versions
Performance
Optimized for speed and reliability
- Lock acquisition: ~2ms (5x under target)
- Circuit breaker: ~0.3ms overhead
- Log query: ~4 seconds
Scalability
Horizontal and vertical scaling
- Distributed locking with Redis
- Connection pooling for databases
- Stateless service design
Reliability
Built for 99.99% uptime
- Circuit breaker pattern
- Graceful shutdown handling
- Health check endpoints
Enterprise-Grade
Architecture
Built with the same patterns used by leading fintech companies. Zero compromises on reliability, security, and scalability.
Zero
Race Conditions
Distributed locking ensures data consistency across all instances
450x
Faster Debugging
Centralized logging reduces debugging time from 30 minutes to 4 seconds
100%
Pattern Coverage
All 6 enterprise patterns implemented and production-tested
6 Enterprise Patterns Production Ready
Input Validation
Zod schemas for all endpoints
✓ ActiveCircuit Breaker
CLOSED/OPEN/HALF_OPEN states
✓ ActiveDistributed Locking
Redis atomic operations (SET NX EX)
✓ ActiveReconciliation Freeze
P0 freeze for critical errors
✓ ActiveGraceful Shutdown
SIGTERM handling, zero drops
✓ ActiveStructured Logging
Winston JSON format with correlation IDs
✓ ActiveWhy Enterprise Patterns Matter
Each pattern solves critical production challenges
Data Consistency
Prevents race conditions in distributed systems
Fault Tolerance
Automatic recovery from service failures
Security First
Input validation prevents injection attacks
Banking in Your
Pocket
Full-featured native mobile app built with Flutter. Manage wallets, send payments, and track transactions from anywhere.
Secure
Biometric auth & encryption
Fast
Native performance
Private
2FA & PIN protection
Multi-Currency
50+ currencies
Production-Ready
Platform
Built with the same standards as leading fintech companies. Trusted by developers who demand excellence.
"The attention to architectural detail is remarkable. Every pattern is production-ready, not a prototype. This is exactly what enterprise fintech needs."
"Impressive engineering standards. The distributed locking implementation is flawless, and the observability stack makes debugging a breeze. This is enterprise-grade work."
Why Technical Teams Trust PayWolt
Production-ready from day one, built by engineers for engineers
Battle-Tested Architecture
Built with proven patterns from leading fintech companies
Zero Downtime Deployments
Graceful shutdown ensures smooth updates without service interruption
Banking-Grade Security
Industry-standard encryption and authentication protocols
Comprehensive Documentation
Over 15,000 lines of documentation across 50+ guides
Real-Time Monitoring
Complete visibility into system health and performance
Type-Safe Codebase
100% TypeScript coverage prevents runtime errors
Enterprise Ready
Designed for scale, security, and reliability from day one
Future-Proof
Modern tech stack with long-term support and active maintenance
Developer Experience
Comprehensive tooling, documentation, and support for rapid development
For Investors &
Strategic Partners
PayWolt represents a unique opportunity in the payment infrastructure space. Non-custodial model, minimal regulatory burden, scalable technology.
Investment Highlights
Non-Custodial Model
PayWolt never holds customer funds. Minimal regulatory burden as Technology Service Provider under PSD2.
Scalable Infrastructure
Microservices architecture with event-driven design enables horizontal scaling without linear cost increase.
Provider Network Effects
Each new provider increases platform value exponentially. Unified API creates switching costs for clients.
Revenue Model
Multiple revenue streams with scalable unit economics and predictable cash flows
Platform Orchestration Fee
Small fee per transaction for routing intelligence and infrastructure
Provider Revenue Share
Negotiated revenue sharing from payment provider partnerships
Enterprise Licensing
Custom pricing for high-volume clients and white-label solutions
Regulatory Compliance
Rigorous compliance with European payment regulations. TSP classification minimizes regulatory risk.
PSD2 Article 3(k)
Technology Service Provider classification - NOT a Payment Institution
GDPR & Data Protection
EU data protection compliance with SCCs for international transfers
AMLD5 / FATF
Provider-delegated KYC/AML - PayWolt not an obliged entity
PCI-DSS (Provider Level)
Card data handled by PCI-compliant providers (Stripe, etc.)
Due Diligence Documentation
Access full legal documentation, regulatory classification, and compliance policies
Frequently Asked
Questions
Common questions from investors, partners, and integrators about PayWolt's platform, compliance, and business model.
Still have questions?
Contact Our TeamSee PayWolt in Action
Schedule a personalized demonstration with our team. We'll walk you through the platform, answer your technical questions, and discuss integration options.
Platform Walkthrough
Live demonstration of core features, API capabilities, and admin dashboard
Technical Deep-Dive
Architecture review, integration patterns, and security protocols
Custom Solutions
Discuss your specific requirements and implementation roadmap