Decentralized framework

A decentralized framework consists of nodes and servers that run independently of each other. Transaction information is transmitted across network of servers and not just from one source. This reduces the redundancy and does not depend on a single server as compared to a centralized framework. More number of participating nodes and servers leads to successful transactions even if some servers fail.


System of Records lists all the transactions, balances of every account like a traditional ledger. Each server on the network mirrors the account transactions and balances allowing the SoR to be decentralized.

Trusted partners

The bridge between Payments2.0 platform and currencies are the trusted partner entities such as banks, crypto exchanges, wallets, payment networks and processors

Multicurrency transactions

Flexibility and freedom to load any number of allowed currencies in multicurrency wallet and transfer money in any of the currency including crypto. People can receive money through the currency of their choice. The distributed network finds the best exchange rate of the transaction

Distributed network

SoR record balances allow the currency exchanges and seamless currency conversion and dynamic movement between wallets during transactions

Concept A comprehensive converged payments solution creating a world beyond banking. A secure truly global payment system platform with service offerings covering regular and crypto currencies, payments, faster cross border transfers
Integration A seamless configuration process connecting to Payments2.0 platform equipping customers to launch their services within reduced time periods.
Process Configuration process is relatively simple and straightforward enabled through API integrations. Comprehensive API documentations will be exchanged for technical assistance.
Implementation and integration costs Partner entities are to provide dedicated technical teams for integrating with Payments2.0 platform. Typical integration and licensing costs are smaller compared to the platform offering benefits.
Business model Payments2.0 business model is based on the transaction cost revenues and revenue sharing models.
Platform network structure Payments2.0 technology platform enables financial transaction processing. With cloud based architecture implementing micro services, restful APIs for seamless and faster integration.
Platform Scalability A network operations flow of payments, fees, currency conversions leading to successful transaction. Payments2.0 platform is flexible and capable for rapid scalability of upto 950 TPS for crypto and 2150 TPS for regular currency transactions.
Sending and receiving payments Partner entities are responsible for KYC and AML verification of end users. Ideally both sender and receiver are mandated to provide KYC verification requirements for successful transactions.