No merchant fund custody
XPayr is not designed to hold merchant funds as an internal balance or operate a withdrawal wallet for merchants.
Non-custodial by design
Crypto payment infrastructure without merchant fund custody
XPayr helps merchants create crypto payment sessions, track confirmations, calculate gateway fees, and route payments according to configured wallet and network flows. The goal is cleaner payment infrastructure without positioning XPayr as a merchant fund custodian.
Last updated: June 29, 2026
Direct answer:
XPayr is non-custodial crypto payment infrastructure. It helps merchants create payment sessions, track on-chain confirmation, calculate gateway fees, and route confirmed payments according to configured wallet and network flows instead of holding merchant funds as a custodial balance.
Plain-language definition
What non-custodial means in XPayr
The merchant does not treat XPayr like a wallet account where funds sit until withdrawal. XPayr handles checkout infrastructure, payment metadata, fee records, confirmation tracking, and configured routing behavior.
No merchant private key storage
Merchants do not give XPayr private keys or seed phrases. Wallet ownership and signing remain outside the XPayr account password.
No automatic approval for every business
The non-custodial model does not remove merchant review. Regulated, high-risk, or licensed categories may still need review before mainnet activation.
Payment flow
How a payment moves through XPayr
The flow is built around payment-session records and on-chain confirmation, not internal merchant balances.
Merchant creates a payment session
The merchant creates a checkout session through a payment link, widget, button, hosted checkout, or API route.
Customer pays from their wallet
The customer approves the transaction in their own wallet on the selected network and token route.
XPayr tracks confirmation
XPayr watches the payment status, transaction reference, gateway fee, and settlement metadata without holding a merchant balance.
Payment routes by configuration
Confirmed payments route according to the configured merchant wallet, network, token, and active payment rail setup.
What XPayr tracks
XPayr tracks the operational records merchants need to understand a payment without converting the platform into a fund-holding account.
- Payment session ID, invoice amount, selected token, selected network, and checkout status.
- On-chain transaction reference, confirmation state, gateway fee record, and net payment details.
- Webhook events, dashboard logs, reconciliation fields, player or order references, and risk review notes where applicable.
What merchants control
Merchants keep control over the commercial setup, technical integration, and wallet configuration that determines how checkout is used.
- Merchant account, API keys, webhook endpoints, payment links, widgets, and button tools.
- Supported settlement wallets and rail-wallet configuration for EVM, TRON, and Solana flows where enabled.
- Optional infrastructure modules such as Player Deposits, Payout Hub, Settlement Router, Fee Delegation, and Recurring Billing.
Operational boundary
Where review still matters
Non-custodial infrastructure does not mean every merchant, route, token, or business category is automatically approved for live payment processing. Testnet can be open while mainnet remains controlled by setup and risk review.
Wallet and rail setup
Mainnet activation should confirm the right merchant wallet, network, token, rail adapter, and route configuration before live traffic.
Business model review
Licensed iGaming, casino, poker, betting, contest, and other high-risk categories should be reviewed before production approval.
Network limits
Gas, TRON energy, Solana priority fees, liquidity, token support, and sponsored-fee behavior depend on the selected rail and active policy.
FAQ
Questions merchants ask about custody and settlement
Does XPayr hold merchant funds?
XPayr is designed as non-custodial payment infrastructure. It creates payment sessions, tracks on-chain confirmation, records gateway fee data, and routes payments according to configured wallet and network flows instead of holding merchant funds as a platform balance.
What does non-custodial mean for merchants?
For merchants, non-custodial means XPayr does not ask for merchant private keys, does not pool merchant balances, and does not operate a withdrawal account. The merchant still controls its wallet setup and remains responsible for its own business, tax, compliance, and wallet operations.
Where do confirmed payments go?
Confirmed payments route according to the merchant configuration for the selected network, token, and payment rail. The exact behavior depends on the active wallet registration, rail-wallet setup, route configuration, and whether the payment uses EVM, TRON, Solana, or another supported rail.
Can merchants configure settlement wallets?
Yes. Merchants can configure supported wallets and rail settings where the network and asset support that flow. Some advanced settlement routes may require additional review, active contract configuration, liquidity checks, or merchant approval before production use.
Why does mainnet review still matter?
Mainnet review helps confirm the right wallet, network, token, risk, and business setup before live payments. This is especially important for regulated or high-risk categories such as licensed iGaming, betting, casino, poker, tournaments, and contest operators.