Platform features

Wallet with double-entry ledger

Every balance change posts balanced debit/credit journal entries. Deposits, withdrawals, fees, releases and adjustments are all ledger-backed and immutable.

UPI deposits

Payment sessions with QR codes and UPI intent links, UTR submission with duplicate protection, strict state machine and admin verification.

Withdrawals with held funds

Funds are held atomically on request, released on rejection (fee refunded) and settled on payout with mandatory payout references.

REST API

Versioned API (v1) with HMAC request signing, nonce replay protection, idempotency keys and per-key scopes.

Webhooks

Signed event delivery (deposit/withdrawal/wallet events) with 5-attempt exponential backoff retry and a test-event tool.

Telegram checkout

Merchant bots create payment sessions in-chat. Tokens encrypted at rest, never displayed again.