Get paid on-chain.
Settle to your wallet.
You give NATIO an extended public key. It derives a fresh address for every invoice, watches the chain and tells you the moment a payment confirms. The funds go from your customer to you. There is no intermediate balance, because there is no account for one to sit in.
curl -X POST https://api.natio.me/v1/payments \
-H "Authorization: Bearer natio_sk_test_..." \
-H "Idempotency-Key: order-5512" \
-H "Content-Type: application/json" \
-d '{
"amount": 149900,
"currency": "EUR",
"method": "crypto",
"settlement": {
"asset": "USDT",
"network": "tron",
"account": "wal_acct_7Kd2"
},
"reference": "ORDER-5512",
"customer": { "reference": "cus_8812" }
}'The shortest path between your customer and your treasury.
Most crypto gateways take custody, net their fee and pay you out later. That turns a payment into a credit exposure: your money sits on someone else's balance sheet until they choose to release it.
- One address per invoice
- Derived from your own extended public key at a recorded path. Two customers never share an address, so attribution is exact rather than inferred from amounts.
- Confirmations are a status, not a guess
- The payment moves through pending → processing → successful as confirmations accumulate against the threshold set for that asset. Every transition is recorded and immutable.
- Underpayment and overpayment are first-class
- A short payment does not silently fail and a long one does not silently vanish. Both produce a recorded outcome you can act on, with the observed amount against the expected one.
- Reconciliation is the same machinery
- On-chain receipts land in the same reconciliation and settlement reports as card and bank transactions, so the month closes in one place.
The same API you already have.
Crypto is a payment method on the existing endpoint, not a second platform bolted alongside. The object, the idempotency guarantees, the timeline and the webhooks are the ones your integration already handles.
A merchant that has integrated cards through NATIO adds on-chain acceptance by sending a different method and a settlement account. The response carries the address to display, the exact expected amount and the confirmation threshold, so a checkout page can render a QR code without knowing anything about chains.
Everything downstream is unchanged. The payment appears in the same transaction monitor with the same timeline, the same signed webhook contract fires, and it reconciles in the same report as every other method.
{
"id": "pay_9Xq4mB7tLz",
"object": "payment",
"mode": "test",
"status": "pending",
"amount": 149900,
"currency": "EUR",
"method": "crypto",
"settlement": {
"asset": "USDT",
"network": "tron",
"address": "TW7k...derived-per-invoice",
"derivation": "m/44'/195'/0'/0/418",
"expected": "1631.204000",
"confirmations_required": 19
},
"expires_at": "2026-09-22T10:14:02.118Z",
"created_at": "2026-09-22T09:44:02.118Z"
}Built into the engine, not bolted onto the sales process.
Non-custodial does not mean unregulated. The controls below are enforced by the platform on every transaction, and a merchant cannot configure their way out of them.
- Sanctions screening
- Accounts and counterparties are screened against published lists. This runs on the platform side and is not configurable away by a merchant.
- Business verification
- KYB through Didit: the provider holds the evidence, the platform holds the decision, its reference and its timestamp.
- Jurisdiction rules
- Which markets a merchant may serve is a configuration backed by legal advice for the operating entity, enforced in the engine rather than left to sales.
- Full audit trail
- Every state change, routing decision and administrative action is written to an append-only log that the application itself has no privilege to alter.
What exists, and what does not.
A landing page is a promise. These are the parts of it we can currently keep.
Live
In progress
Not yet decided
NATIO is a payment technology platform. It is not a bank, an acquirer, a payment institution or an electronic money institution, it holds no such licence, and it neither accepts nor holds customer funds. Payment processing and settlement in fiat are performed by licensed providers connected to the platform.
Tell us what you are selling and where.
Market, volume and method mix decide what gets built first. A short description is more useful to us than a signup, and more useful to you than a waitlist.