WeFlow: Stablecoin-based Global Crypto Payment Gateway Whitepaper

1. Project Introduction and Vision

Project Introduction and Vision: WeFlow is a stablecoin-based global crypto payment gateway platform designed to enable instant, low-cost, and borderless transactions for businesses and individuals. By leveraging fiat-pegged stablecoins on public blockchains, WeFlow aims to eliminate the volatility and inefficiencies traditionally associated with cryptocurrency payments. Our vision is to bridge the gap between traditional finance and digital assets, creating a world where sending money internationally is as fast and easy as sending an email. WeFlow’s platform empowers merchants to accept payments in major stablecoins (like USDC, USDT, etc.) with near-instant settlement and minimal fees, all while ensuring regulatory compliance and security. This aligns with the broader promise of stablecoins to provide borderless payments, real-time settlement, lower transaction costs, and high transparency. Ultimately, WeFlow strives to foster financial inclusion and global commerce by building an open, trusted payment network that anyone can use, anywhere and anytime.

2. Market Problems and Solution

Market Pain Points: Cross-border payments in the traditional financial system remain costly, slow, and fragmented. Businesses and individuals face high remittance fees (averaging \~6% globally) and transfers that take days to settle. Small merchants often cannot afford these fees, and consumers sending money to family overseas see a significant cut taken by intermediaries. Moreover, legacy payment networks have limited operating hours and involve multiple hops (correspondent banks), introducing delays and lack of transparency. Within the crypto space, accepting cryptocurrencies like Bitcoin or Ethereum poses a different challenge – price volatility. Merchants are reluctant to accept volatile crypto for payments because the value can fluctuate wildly, undermining its usefulness as a medium of exchange. There is a clear need for a solution that combines the speed and borderless nature of crypto with the stability of fiat money.

Solution – Stablecoin Payment Gateway: WeFlow addresses these pain points by providing a stablecoin payment gateway that leverages price-stable digital currencies (pegged 1:1 to fiat). Stablecoins like USDC or USDT maintain a stable value in USD terms, eliminating volatility risk for both merchants and customers. Transactions conducted via stablecoins on blockchain networks settle within minutes (if not seconds) and at a fraction of the cost of traditional remittances – for example, sending a stablecoin can cost mere fractions of a cent in network fees. WeFlow’s platform wraps this blockchain innovation into an easy-to-use gateway: merchants can accept payments 24/7 globally, without the need to worry about currency conversion or weekend/holiday bank closures. Our solution streamlines the payment flow, automatically handling the blockchain interactions and offering an API that integrates with existing merchant websites or apps. By using stablecoins, WeFlow bypasses costly intermediaries and FX fees, delivering fast settlement and significant cost savings to users. In summary, WeFlow’s stablecoin gateway solves the market’s pain points by offering faster, cheaper, and more predictable cross-border payments than both legacy systems and volatile crypto, all on a compliant and user-friendly platform.

3. System Architecture (with optional architecture diagram)

Architecture Overview: The WeFlow platform is built with a robust, modular architecture to ensure security, scalability, and seamless integration with both blockchain networks and traditional finance systems. At a high level, the system comprises the following core components:

• API Layer: A set of RESTful APIs that allow merchants to interact with WeFlow (for creating payment requests, checking statuses, initiating payouts, etc.). This layer authenticates clients (using API keys or OAuth) and implements rate limiting and request validation for security.
• Application Server: The backend logic that orchestrates payments. This includes modules for payment processing, order management, fee calculation, and integration with external services. When a payment request is created, the server assigns a unique deposit address (or payment link) to the transaction and monitors incoming funds.
• Blockchain Interaction Layer: WeFlow integrates with multiple blockchain nodes or providers (for Ethereum, Tron, and other supported chains) to generate addresses and listen for incoming stablecoin transfers. This layer handles the low-level blockchain communication, transaction broadcasting, and confirmation tracking.
• Custodial Wallet & MPC Module: For secure storage of crypto assets, WeFlow uses a custodial wallet system underpinned by Multi-Party Computation (MPC) and/or multi-signature schemes. Private keys are sharded and distributed across multiple secure enclaves or hardware security modules, so no single point of compromise exists. The Hardware Security Module (HSM) integration ensures that any signing of transactions is done in a secure, tamper-proof hardware environment.
• Risk & Compliance Engine: Integrated into the flow is a risk management module that performs real-time checks on transactions. This includes address screening (via Chainalysis KYT) for AML flags, velocity and amount threshold checks, and anomaly detection. If a transaction triggers a red flag (e.g., coming from a sanctioned address), WeFlow can hold funds and raise an alert for compliance review.
• Database: A secure database stores transactional records, user (merchant) profiles, KYC data, audit logs, and other metadata. Sensitive information (like private data or keys) is encrypted at rest. The database design ensures ACID compliance for financial data integrity.
• External Integrations: WeFlow connects to external services such as Onfido (for KYC identity verification), bank APIs or payment processors (for fiat payout rails), and notification services (email/SMS or messaging queues for event notifications).

Workflow Example: When a customer initiates a payment on a merchant’s site, the merchant’s backend calls WeFlow’s API to create a payment. The WeFlow system then generates a deposit address on the specified blockchain and returns it (or a payment URL/QR code) to the merchant. The customer sends the stablecoin (e.g., 100 USDC) to that address. The Blockchain Interaction Layer detects the incoming payment (after the required confirmations) and notifies the Application Server. The Risk Engine performs its checks in parallel. Once confirmed and approved, the Application Server marks the payment as complete and triggers a callback to the merchant’s system (or the merchant fetches the status via API). The funds are then securely held in WeFlow’s custodial wallet until settlement. Depending on the merchant’s preference, WeFlow can either immediately credit the merchant’s balance in stablecoins (which the merchant can withdraw on-chain or keep for later) or convert the stablecoins to fiat and initiate a bank transfer to the merchant’s bank account via integrated payout rails.

Figure: High-level architecture of the WeFlow payment platform. The diagram illustrates the payment flow from a customer’s crypto wallet through the WeFlow system to the merchant. WeFlow’s platform (center) comprises the API server, MPC/HSM-based custodial wallet, and compliance engine. A customer initiates a checkout on the merchant site, which calls the WeFlow API (step 1–2). WeFlow provides a deposit address and listens on the blockchain network for the customer’s stablecoin payment (steps 3–5). Upon confirmation, WeFlow notifies the merchant and either settles with the merchant in stablecoins or converts the payment to fiat via banking partners (steps 6–8). （图：WeFlow 支付平台的高层架构示意。该图展示了从客户的加密钱包，通过 WeFlow 系统再到商户的完整支付流程。WeFlow 平台（中部）包含 API 服务器、基于 MPC/HSM 的托管钱包和合规风控引擎。客户在商户网站发起结账（步骤1–2），商户后端调用 WeFlow API 创建支付请求。WeFlow 返回收款地址并在区块链网络上监听客户的稳定币付款（步骤3–5）。确认到账后，WeFlow 通知商户，随后按商户偏好以稳定币结算或通过银行合作伙伴将款项兑换为法币并汇至商户银行账户（步骤6–8））。

4. Supported Chains and Stablecoins

Multi-Chain & Multi-Stablecoin Support: WeFlow is designed to be chain-agnostic and currency-agnostic, supporting a range of blockchain networks and stablecoins to meet diverse business needs. Supporting multiple chains allows merchants and payers to choose the network that offers the best fees, speed, and regional accessibility for their transactions. Below is an overview of currently supported chains and stablecoins on the WeFlow platform:

• Ethereum (以太坊): Stablecoins: USDC (USD Coin), USDT (Tether), DAI (Dai) – Ethereum is the most established smart contract platform with a broad stablecoin ecosystem, making it a reliable choice for many users despite variable gas fees.
• Tron (波场): Stablecoins: USDT (Tether), USDC – Tron is known for its low transaction fees and is widely used for USDT transfers globally, offering a cost-effective rail for stablecoin payments.
• BNB Chain (币安智能链): Stablecoins: USDT, USDC, BUSD – BNB Smart Chain (formerly Binance Smart Chain) provides faster and cheaper transactions than Ethereum while supporting major stablecoins, making it popular in certain regions.
• Polygon (Polygon 网络): Stablecoins: USDC, USDT – Polygon’s layer-2 network offers high throughput and low fees on top of Ethereum, ideal for stablecoin transactions that require speed and scalability.
• Future integrations: WeFlow’s architecture makes it straightforward to add support for additional chains and stablecoins. We are continuously evaluating emerging networks (such as other Layer-2 solutions or new stablecoin projects) based on demand and reliability. For example, integration with Lightning Network or other L2s for instant transfers, or adding regional fiat-pegged stablecoins (EUR, GBP, etc.) could be on the roadmap as the regulatory landscape permits.

This multi-chain, multi-currency support ensures that WeFlow can cater to various use cases – from e-commerce payments on Ethereum to remittances on low-cost networks. Merchants can configure which stablecoins and networks they wish to accept, and WeFlow handles the rest: routing payments to the appropriate infrastructure and abstracting away the differences between blockchains.

5. Payment Flow and API Overview (with brief code snippets)

Payment Flow: The process of accepting a payment via WeFlow can be summarized in a few steps, which the platform automates end-to-end:

1. Merchant Initiates Payment Request: When a customer is ready to pay (for example, at checkout on an e-commerce site), the merchant’s server sends a request to WeFlow’s API to create a new payment. This request typically includes details like the amount (in a fiat currency or stablecoin), the desired stablecoin to receive, and optionally an order/reference ID and callback URL.
2. WeFlow Provides Payment Details: WeFlow’s API responds with a unique payment identifier and a deposit address (or a payment link/QR code) for the customer to send the stablecoin. For instance, it might return an Ethereum address for USDC payment of \$100.
3. Customer Sends Stablecoin: The customer uses their crypto wallet (scanning the QR or copying the address) to send the required stablecoin amount. WeFlow monitors the blockchain for this incoming payment to the specified address.
4. Payment Confirmation: Once the transaction is detected and meets the required confirmations, WeFlow marks the payment as confirmed. The platform will then either POST a webhook callback to the merchant’s specified URL with the payment status or the merchant can query the payment status via API. The confirmation includes transaction details (amount, asset, sender address, blockchain transaction hash, timestamp, etc.).

5. Settlement: WeFlow holds the received funds in custody on behalf of the merchant. Depending on the merchant’s configuration, the settlement can occur in two ways:

   • Crypto Settlement: The merchant may choose to receive the funds in the same stablecoin. In that case, the merchant can later withdraw the stablecoins from WeFlow to their own wallet, or reuse the balance for outgoing payments.
   • Fiat Settlement: Alternatively, WeFlow can automatically convert the stablecoins to fiat (e.g., USD) and initiate a transfer through integrated payout rails (such as bank transfer via ACH/SEPA or other payment corridors) to the merchant’s bank account. This gives merchants the convenience of getting local currency without dealing with crypto exchanges.
6. Notification and Receipt: Both the merchant and the customer (if the merchant’s system provides receipts) get notified of the successful payment. WeFlow’s dashboard and API allow the merchant to view the payment details, and an email receipt can be triggered if configured.

Throughout this flow, error handling is in place – for example, if the customer sends an incorrect amount or a transaction times out, WeFlow will mark the payment as underpaid or expired and can provide APIs to handle exceptions (refunds or top-ups). The goal is to make the payment experience straightforward and reliable for all parties.

API Overview: WeFlow offers a developer-friendly API for integration. Below is an example of how a merchant server might create a payment request using the WeFlow API:

curl -X POST https://api.weflow.cc/v1/payments \
  -H "Authorization: Bearer <API_KEY>" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "100.00",
    "currency": "USD",
    "stablecoin": "USDC",
    "network": "ETH",
    "order_id": "ORDER12345",
    "ipn_callback_url": "https://yourdomain.com/weflow-webhook"
  }'

In this example, the merchant requests to accept a payment of \$100 (USD) in USDC on Ethereum ("network": "ETH"). The API would respond with a JSON object containing at least a payment_id and the address to which the customer should send USDC. For instance, a response might look like:

{
  "payment_id": "pm_abc123def456",
  "address": "0x12a34bcdef56...7890",
  "stablecoin": "USDC",
  "network": "ETH",
  "amount": "100.00",
  "status": "pending",
  "created_at": "2025-08-04T12:00:00Z"
}

After the customer sends the USDC, the status will transition to "confirmed" (and settled if moved to payout) which the merchant can obtain via webhook or by querying GET /v1/payments/{payment_id}. WeFlow’s API also provides endpoints for managing payouts, checking exchange rates (if needed for conversion), and listing past transactions. The API is secured with REST conventions and uses standard HTTP response codes to indicate errors (for example, 400 for bad requests, 401 for authentication issues, etc.). SDKs and comprehensive documentation are provided to assist developers in quickly integrating WeFlow into their systems.

6. Security Mechanisms (MPC, HSM, transaction risk controls)

Key Management Security: Security is paramount in payment processing, especially when handling crypto assets. WeFlow employs industry-leading practices for private key management. Central to this is Multi-Party Computation (MPC) for key custody: rather than holding a complete private key in one place, the cryptographic keys controlling stablecoin wallets are split into multiple encrypted “shares” held by independent parties or servers. No single party ever has access to the full key, and a transaction signature can only be produced through a distributed computation involving all key shares. This approach greatly reduces the risk of a single-point compromise—an attacker would need to breach multiple secure systems simultaneously to get any usable key material. Additionally, WeFlow utilizes Hardware Security Modules (HSMs) to store key shares and perform signing operations in a tamper-resistant hardware environment. The HSMs ensure that private keys (or their MPC shares) never leave the secure hardware and are invulnerable to software-level attacks. By combining MPC and HSM technology, WeFlow’s wallet infrastructure achieves a high level of security comparable to top-tier crypto custodians.

Operational Security and Access Controls: WeFlow’s internal operations follow strict security protocols. Administrative access to systems (for example, to authorize large transfers or update configurations) is protected with multi-factor authentication (MFA) and role-based access control (RBAC). All sensitive actions require multiple approvals – akin to a “four-eyes” principle – to prevent insider threats. Audit logs are maintained for all system activities, and regular audits are conducted. Smart contract addresses and wallet software used by WeFlow are regularly reviewed and audited for vulnerabilities, ensuring that the stablecoin handling code is secure.

Transaction Risk Controls: Beyond safeguarding keys, WeFlow implements comprehensive transaction risk controls to protect against fraud and abuse:

• Address Screening and Blacklists: Incoming and outgoing wallet addresses are screened against databases of illicit or sanctioned addresses (leveraging services like Chainalysis). If a payer’s address is flagged (e.g., associated with known fraud or sanctioned entities), WeFlow can automatically block the transaction or hold funds for compliance review. This proactive monitoring helps ensure tainted funds do not enter or leave the platform.
• Velocity Limits: WeFlow sets rate limits and velocity checks on transactions to detect anomalies. For instance, if an account suddenly initiates transfers at a frequency or volume far outside its normal pattern, the system can flag this for investigation or temporarily pause processing on that account. This helps mitigate automated attacks or misuse (such as a compromised merchant API key attempting rapid withdrawals).
• Amount Thresholds and Manual Review: Large transactions above certain thresholds may trigger additional verification. WeFlow can require manual approval for unusually large payments or automatically segment such transfers for compliance team review, ensuring that any high-value movement is legitimate and compliant.
• Geolocation and Device Fingerprinting: In cases where WeFlow interfaces with end-users (e.g., a hosted checkout), additional layers like geolocation analysis or device fingerprinting can detect suspicious activity (such as a user trying to access from a high-risk jurisdiction or using anonymizing tools) and apply stricter scrutiny or denial as needed.
• Encryption and Data Security: All data in transit and at rest is encrypted. WeFlow uses secure communication (HTTPS/TLS) for all API interactions, and internally, sensitive data (like customer KYC info or transaction details) is stored encrypted. Our infrastructure undergoes regular penetration testing and security assessments to identify and fix any potential weaknesses.

Through these mechanisms, WeFlow provides a secure environment for processing stablecoin transactions. Both merchants and customers can trust that their funds and data are protected by multiple layers of security, aligning with the best practices of the fintech and crypto industry. Security is not a one-time effort but an ongoing commitment – WeFlow continually updates its security measures to address emerging threats and follows frameworks such as ISO 27001 and CryptoCurrency Security Standard (CCSS) for guidance.

7. Compliance Strategy (KYC/AML)

KYC (Know Your Customer): Compliance with financial regulations is a foundational aspect of WeFlow’s operations. WeFlow implements rigorous KYC procedures to verify the identities of its users and partners, primarily focusing on merchant onboarding. When a business or individual registers to use WeFlow’s services (e.g., to become a merchant accepting payments), they must undergo an identity verification process. This process, facilitated by our partner Onfido, involves submitting government-issued identification documents, proof of address, and other necessary information. Onfido’s advanced AI-based identity verification, combined with human review, ensures that fake or stolen IDs are detected – it provides secure, scalable identity checks trusted in the fintech industry. For corporate clients, WeFlow also performs KYB (Know Your Business), collecting and verifying business registration documents, information on directors/beneficial owners, and assessing the nature of the business to ensure it’s legitimate and low-risk.

AML and Transaction Monitoring: Alongside KYC/KYB, WeFlow has a robust Anti-Money Laundering (AML) program. All transactions flowing through the platform are continuously monitored for signs of money laundering, terrorist financing, or other illicit financial activity. Through Chainalysis KYT (Know Your Transaction) integration, WeFlow automatically screens crypto transactions in real-time. Chainalysis’s blockchain intelligence tools assess the risk level of incoming and outgoing transfers by tracing the source and destination of funds and checking against typologies of illicit behavior. If a transaction or an address is flagged (for example, linked to darknet markets, ransomware, or sanctioned wallets), the system will generate alerts and can freeze the funds pending investigation. WeFlow’s compliance team receives detailed reports from the Chainalysis dashboard, helping them investigate and file any necessary Suspicious Activity Reports (SARs) to regulators.

Regulatory Compliance and Licensing: WeFlow is committed to operating within the legal frameworks of the jurisdictions in which it operates. This means obtaining and maintaining appropriate licenses or registrations as a money service business (MSB) or equivalent (such as virtual asset service provider, VASP, licenses) in relevant countries. The compliance strategy includes:

• Adhering to the FATF (Financial Action Task Force) guidelines on virtual assets, including implementing the “Travel Rule” where required (i.e., transmitting required originator/beneficiary information for large transactions between financial institutions).
• Following OFAC and other sanctions regimes: WeFlow’s compliance program includes sanctions screening of customers and transactions to ensure no dealings with prohibited persons or entities.
• Data privacy and GDPR compliance: In collecting KYC data, WeFlow follows data protection laws such as the GDPR. User personal data is handled with care, stored securely, and only used for compliance purposes.
• Ongoing monitoring and audits: Merchant accounts are periodically reviewed (KYC is refreshed, especially if suspicious activity is noted). WeFlow may also implement transaction limits or enhanced due diligence for higher-risk customers or regions. We engage third-party audits of our AML program to ensure it meets regulatory expectations and effectiveness.

Customer Transparency and Cooperation: WeFlow believes in maintaining transparency with our users regarding compliance. Our terms of service clearly outline that users must comply with KYC requests and that certain transactions may be delayed or blocked for compliance reasons. WeFlow’s support and compliance team works closely with merchants to help them understand any requirements (for example, if a payout is held for review, the merchant will be informed promptly and asked for any additional information needed). By fostering this cooperative approach, WeFlow not only meets its legal obligations but also helps build trust with clients and regulators.

In summary, WeFlow’s compliance strategy ensures that while the platform enables cutting-edge, fast payments with stablecoins, it does so in a responsible and lawful manner. Through strong KYC/KYB processes, continuous AML monitoring, and adherence to global regulatory standards, WeFlow mitigates the risks associated with crypto payments and contributes to the long-term sustainability and legitimacy of the crypto-finance industry.

8. Partnerships and Integrations (Onfido, Chainalysis, payout rails)

Strategic Partnerships: WeFlow has established key partnerships to augment its platform capabilities in areas of identity verification, blockchain analytics, and fiat payout integration. By integrating best-in-class third-party services, WeFlow is able to focus on its core platform while leveraging specialized providers for certain functionalities:

• Onfido (Identity Verification): As mentioned in the compliance section, WeFlow integrates Onfido for seamless KYC checks. Onfido’s AI-driven identity verification is embedded into our merchant onboarding flow. When a new user signs up, they are guided through Onfido’s document and biometric verification process, with results returned to WeFlow via API. This partnership ensures that WeFlow’s user verification is fast, accurate, and user-friendly. Onfido’s ability to scale globally and handle multiple ID document types allows WeFlow to onboard merchants from various countries while meeting local compliance requirements.
• Chainalysis (Blockchain Compliance): WeFlow is partnered with Chainalysis, a leading blockchain data platform, to enhance our AML compliance. Through Chainalysis KYT and Reactor tools, WeFlow gains access to real-time risk scores for crypto addresses and transactions. The integration provides automatic alerts and detailed intelligence on any suspicious activity. Chainalysis is an industry standard – its solutions are used by many top exchanges and regulators worldwide for blockchain monitoring. By leveraging Chainalysis, WeFlow assures merchants and regulators alike that all crypto transactions on the platform are being vigilantly screened and that illicit activity will be swiftly identified and addressed.

• Fiat Payout Rails and Banking Integrations: To bridge crypto with traditional finance, WeFlow has integrated with banking and payment partners to enable conversion of stablecoins to fiat and direct bank payouts. These integrations may include:

  • ACH/SEPA Providers: For payouts in the US (ACH) and Europe (SEPA), WeFlow connects with payment processors or banking-as-a-service APIs that can credit a user’s bank account using funds from stablecoin liquidation.
  • International Remittance Networks: WeFlow is exploring partnerships with remittance services (and companies like MoneyGram or Western Union’s crypto programs) to facilitate cash pickup or bank deposit in various countries using stablecoin liquidity in the back-end.
  • Circle: WeFlow can integrate with Circle’s infrastructure (the issuer of USDC) for direct USDC-to-bank-account conversions where Circle has support (e.g., using Circle Account and API for transfers). This provides a regulated and efficient off-ramp for USDC in certain jurisdictions.
  • Local Banking Partners: In key markets, WeFlow aims to partner with local banks or fintechs to ensure smooth fiat on/off ramps. This might include connections to Faster Payments in the UK, domestic wire systems, or mobile money platforms depending on the region.
• Payment Processing and Shopping Carts: WeFlow also works on plugins and integrations with popular e-commerce platforms and billing systems. For example, developing direct integrations or plugins for Shopify, WooCommerce, Magento and others would allow merchants on those platforms to easily enable WeFlow as a payment option. Strategic alliances with merchant acquirers or PSPs (Payment Service Providers) can also extend WeFlow’s reach to existing merchant networks.

Technology Integrations: On the technical side, WeFlow’s system is built with an open integration mindset:

• We provide Webhooks and SDKs for merchants to integrate WeFlow into their systems with minimal effort.
• WeFlow can integrate with accounting systems or ERP software via API to help merchants reconcile crypto payments with their books (this could involve partnerships or pre-built integrations with software like QuickBooks or SAP for transaction exporting).
• For security, WeFlow might integrate with custodial services or insurance providers (for example, working with a crypto custodian for additional cold storage of excess funds, or an insurer to provide coverage on crypto assets).

Each partnership is chosen to strengthen a part of WeFlow’s value chain: compliance, user experience, or bridging to fiat. By collaborating with established players like Onfido and Chainalysis, WeFlow demonstrates a commitment to high standards of compliance and security. Meanwhile, banking and payout partnerships ensure that our clients can seamlessly move between crypto and fiat worlds. These integrations collectively make WeFlow a comprehensive solution, combining in-house innovation with external expertise.

9. Product Roadmap

Roadmap and Future Plans: WeFlow has a clear roadmap that outlines the platform’s growth, new feature releases, and geographic expansion. Our phased plan ensures that we continue to enhance the product while adhering to safety and compliance at each step. Key milestones in our product roadmap include:

• 2025 Q3 – Beta Launch: Initial beta release of the WeFlow payment gateway platform with core functionality. This includes support for the Ethereum and Tron networks and stablecoins like USDC and USDT. The beta is launched with a closed group of early adopter merchants in select regions to gather feedback, perform rigorous stress testing, and refine the user experience.
• 2025 Q4 – Public Launch & Core Features: Official public launch of WeFlow. By this stage, we plan to have incorporated feedback from the beta. The platform will offer a production-ready API, a merchant dashboard for transaction tracking, and documentation/SDKs for developers. Core security mechanisms (MPC key management, HSM integration) and compliance processes (KYC/AML with Onfido & Chainalysis) will be fully operational. Additionally, basic e-commerce plugins (for platforms like Shopify or WooCommerce) are targeted for release, enabling easier adoption by online merchants.
• 2026 Q1 – Multi-Chain Expansion: Add support for additional blockchain networks (e.g., BNB Chain, Polygon, and potential emerging Layer-2 networks). We anticipate integrating at least one Layer-2 solution to offer even lower fees and faster confirmation times for stablecoin payments. During this phase, we also aim to introduce support for more stablecoins, possibly including a Euro-pegged stablecoin (like EURC or EUROe) to cater to European merchants.
• 2026 Mid-Year – Compliance & Licensing Expansion: Secure any additional regulatory licenses required as WeFlow expands to new jurisdictions. We plan to establish a stronger presence in compliance-heavy markets (such as North America, EU, and Singapore) by engaging with regulators and ensuring WeFlow meets or exceeds local requirements. WeFlow will also roll out enhanced compliance features like Travel Rule compliance tools by this time.
• 2026 H2 – Mobile SDK and User App: Develop a mobile SDK to allow in-app crypto payment experiences. Also, evaluate the launch of a WeFlow mobile wallet app aimed at end-users, which would simplify the process of paying merchants via stablecoins (this app would be optional, as WeFlow remains primarily merchant-focused, but could help drive adoption by providing a user-friendly wallet with integrated KYC).

• 2027 – Global Expansion & Value-Added Services: By 2027, WeFlow plans to scale globally, entering new markets in Asia, Africa, and Latin America where demand for stablecoin payments and remittances is growing. We will localize our product (languages, local stablecoins if available) and form partnerships in those regions. New value-added services are slated for development, such as:

  • Instant FX Conversion: Allow merchants to accept a stablecoin in one currency (e.g., USD-pegged) and settle in another currency’s stablecoin (e.g., a EUR stablecoin), expanding utility for cross-currency commerce.
  • Yield and Treasury Services: Provide merchants with an option to park their stablecoin balances in low-risk yield-generating accounts (through integration with regulated DeFi protocols or staking) to earn interest until they need to use the funds.
  • Merchant Financing: Explore offering short-term liquidity to merchants by advancing payouts (using stablecoin reserves) or lending against future sales, leveraging the transparency of on-chain transaction history for credit risk assessment.
• Beyond 2027 – Ecosystem and Innovation: In the long term, WeFlow envisions becoming an integral part of the web3 financial infrastructure. We will continue to innovate in areas like CBDC integration (if Central Bank Digital Currencies emerge, WeFlow will integrate them as they are essentially government stablecoins), and Layer-3 scaling solutions for even better performance. We also plan to foster a developer and partner ecosystem around WeFlow – for example, encouraging third-party developers to build custom integrations or analytics on top of WeFlow’s APIs, and hosting hackathons or grant programs to spur innovation.

This roadmap is subject to refinement as the market evolves, but it demonstrates WeFlow’s commitment to continuous improvement and expansion. We prioritize building trust and reliability, so each phase of growth is accompanied by strengthening our infrastructure, customer support, and compliance measures. Ultimately, our goal is that by executing this roadmap, WeFlow becomes the go-to global solution for stablecoin payments, powering transactions for thousands of businesses and millions of end-users worldwide.

10. Team and Contact

Our Team: WeFlow is backed by a diverse team of professionals with deep expertise in fintech, payments, blockchain technology, and regulatory compliance. The founding team brings together experience from leading financial institutions and successful tech startups. For example, our leadership includes experts who have previously worked at global payment companies and cryptocurrency platforms, giving WeFlow a balanced perspective of both traditional finance and cutting-edge crypto innovation. Our team’s skill set spans secure software development, blockchain engineering, risk management, and user experience design – all crucial for building a reliable payment gateway. We foster a culture of integrity and agility: every team member is committed to WeFlow’s mission of simplifying global payments through stablecoins while upholding the highest standards of security and compliance. As the company grows, we continue to onboard talent who share this vision and can drive innovation in areas like cryptography, distributed systems, and financial operations.

Advisors and Partners: In addition to our core team, WeFlow is advised by seasoned industry veterans. Our advisory board includes former executives from the payments industry and compliance experts (including advisors with backgrounds in AML enforcement and fintech law) who guide our strategy in navigating the complex global regulatory environment. We also work closely with our strategic partners (such as Onfido and Chainalysis) not only at a product integration level but also exchanging best practices in identity verification, security, and compliance. This network of advisors and partners amplifies WeFlow’s capabilities and credibility in the market.

Contact Information: WeFlow is headquartered [Location Placeholder] and is rapidly expanding its global presence. We encourage interested merchants, developers, and partners to reach out and learn more:

• Website: www.weflow.cc – Visit our official website for detailed information, documentation, and the latest updates on our product.
• Email: info@weflow.cc – For business inquiries, partnership opportunities, or support, you can email us. Our team is responsive and will get back to you promptly.
• Documentation Portal: docs.weflow.cc – Technical documentation, API references, and integration guides are available for developers.
• Social Media: Follow us on Twitter, LinkedIn, and other social platforms (handles listed on our website) for news, announcements, and community engagement.
• Support: Existing clients can access our support portal or contact their account manager directly for dedicated assistance.

WeFlow values open communication and transparency. Whether you are a small business looking to modernize your payment options, a developer interested in integrating stablecoin payments, or an investor/partner exploring collaboration, we welcome you to contact us. Our team is ready to assist and provide demonstrations or more information as needed. Together with our clients and partners, WeFlow is excited to drive the future of global payments.