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📘 Overview

What is XERT Crypto Payment Gateway

XERT is a crypto payment gateway that enables merchants to accept cryptocurrency payments through a simple API and an embeddable payment widget. The system automatically generates payment addresses, monitors blockchain transactions, calculates fees, updates payment statuses, and notifies the merchant about the final result.

XERT is designed as a stateless service, which ensures horizontal scalability, easy deployment, and high fault tolerance.

What problems the system solves

  • XERT simplifies crypto payment integration for businesses by providing:

  • Crypto acceptance without running nodes or managing wallets.

  • Automatic transaction monitoring through blockchain providers.

  • Unique payment addresses for every payment request.

  • Real‑time status updates (pending, confirmed, paid, failed, expired).

  • Merchant notifications via webhooks.

  • Automatic fund distribution (split) between the merchant and the platform.

  • Support for multiple networks with dynamic user selection.

Key Features

  • Stateless backend (each request is processed independently).

  • Asynchronous architecture (FastAPI + async SQLAlchemy).

  • Support for multiple blockchain networks (EVM‑compatible).

  • Webhook subscription to blockchain providers.

  • Automatic USD → native token → wei conversion.

  • Flexible fee system.

  • Built‑in payment widget.

  • Callback notifications for merchants.

  • Scalable, state‑independent architecture.