FinHarbor Launches Modular Crypto-Processing Software

The new turnkey solution enables banks, PSPs, and licensed payment companies to offer merchant crypto-payment acceptance under their own brand – deployable in as little as two weeks.

25 February 2025

FinHarbor, a fintech infrastructure provider serving 50+ clients across six countries, today announces the launch of its crypto-processing software module – a white-label, on-premise solution that enables banks, fintechs, and payment service providers (PSPs) to build and deploy their own crypto-payment products for merchants in as little as two weeks.

The product integrates into a client’s existing infrastructure. FinHarbor provides the technology layer; its clients – licensed financial institutions and platforms – operate the service under their own brand and regulatory framework.

The Infrastructure Gap in Crypto-Payment Acceptance

Building compliant crypto-payment processing from scratch remains a complex engineering and regulatory challenge. Most PSP architectures were never designed to work with on-chain assets – meaning crypto integrations typically end up as bolt-on layers operating outside the platform’s core logic, creating reconciliation gaps, compliance blind spots, and fragmented reporting. Platforms need to support multiple blockchains and tokens, implement KYT (Know Your Transaction) and AML monitoring, manage settlement flows, and ensure a seamless user experience – all while meeting jurisdiction-specific compliance requirements.

Demand for ready-made infrastructure is particularly strong in Europe and the CIS, with growing interest from the Americas as regulatory clarity improves. FinHarbor’s crypto-processing module addresses this directly: a production-ready software stack that eliminates months of development and compliance buildout.

Key Capabilities

Native Crypto-Fiat Integration

FinHarbor connects crypto and fiat payment rails through a single API, so platforms don’t need to rebuild their core systems to accept crypto. Crypto transactions flow through the same accounting, reconciliation, and reporting logic as fiat payments – no parallel stack, no fragmented data.

Built-In Compliance

Wallet screening, KYT, sanctions checks, and transaction monitoring plug directly into the platform’s existing risk framework. PSPs keep full control over their AML policy, risk model, and client data. Each component – settlement, compliance, FX, checkout – can be configured, replaced, or extended independently. It’s not a black box; it’s an infrastructure layer that works around the platform, not the other way around.

Customizable Checkout Widget

A fully white-label checkout that platforms can brand as their own. Available as a drop-in widget or a custom UI via API. Supports WalletConnect-compatible wallets (MetaMask, Trust Wallet, Binance Wallet, and others), multiple assets and blockchains, and split payments across multiple wallets in a single transaction. The customer stays within the familiar checkout flow throughout – no redirects, no friction, no drop-off.

Flexible Invoicing

Fixed-amount invoices for B2B and subscription billing, and open-amount invoices as a crypto POS terminal via QR code or payment link. A single invoice can be paid by multiple payers in parts – a feature rarely found elsewhere – making it well suited for marketplaces, shared payments, and high-ticket commerce. Auto-conversion at checkout accepts any supported crypto asset and settles in the merchant’s preferred currency instantly.

Flexible Settlement

Merchants can receive payouts in crypto, in fiat via instant conversion at the moment of payment, or in a combination of both. Exchange rates are locked at confirmation, auto-conversion rules are fully configurable, and batch settlement is available for fee optimization. The result: crypto volatility stops being a risk and becomes a non-issue.

How It Works

The solution follows a B2B2C model. A platform client – a licensed bank or payment company – deploys the FinHarbor software on its own infrastructure or on FinHarbor cloud infrastructure, and uses it to onboard merchants. Merchants integrate a payment widget on their websites or generate invoices for their customers.

When an end customer makes a purchase, they scan a QR code from their crypto wallet, complete the transaction, and the payment is automatically processed and recorded. Settlement, tax reporting, and regulatory compliance are managed at the platform level according to the applicable jurisdiction. The processing architecture is built for seamless integration with regional and local payment methods, POS terminals, and existing merchant acceptance infrastructure – making crypto a native payment option rather than a parallel system.

Part of a Broader Infrastructure Stack

The crypto-processing module is one component of the FinHarbor platform, which also includes digital banking infrastructure, crypto wallets with fiat on/off ramps, OTC trading tools, card issuance, advanced conversion and treasury management tools, liquidity facilities, and payment processing. Clients can adopt the processing module independently or as part of a unified fintech stack – combining crypto and fiat flows, centralizing compliance, and expanding into new markets through configuration rather than re-architecture.

Commenting on the launch, Ilya Podoynitsyn, CEO of FinHarbor, said:

“We see strong and growing market demand for legal, transparent crypto-payment acceptance. Our position is fundamental: FinHarbor is a software provider. We don’t compete with banks or payment systems – we provide them with the shovels for this gold rush. Our solution enables partners to deploy a fully functional crypto-processing infrastructure out of the box – from generating a payment widget to automated AML scoring and fiat conversion.”

Product Maturity and Market Readiness

Throughout 2024 and into 2025, FinHarbor invested significantly in developing, stress-testing, and iterating on the crypto-processing module through real-world client deployments. This period of intensive refinement – going well beyond a standard closed beta – has resulted in a product that is fully production-ready and capable of addressing the full spectrum of market needs today.

About FinHarbor

FinHarbor is a technical platform provider for launching compliant, modular financial products – from wallets and neobanks to crypto ramps and OTC desks. Built on real-world fintech experience, the platform covers onboarding, compliance, wallets, transactions, cards, and reporting, delivered via microservice-based architecture (ISO/PCI DSS-certified), a robust API layer, and on-premise or cloud-ready deployment. FinHarbor supports fiat-only, crypto-native, and hybrid business models across Europe, MENA, and beyond.

Learn more: www.finharbor.com 

Media Contact: [email protected]