CryptoCash: a crypto platform between business and everyday users

Crypto platforms are often either built for business, or they try to be convenient for everyday users. Bringing these two worlds together without losing security, logic, and control is often a task with an asterisk.

In this interview, the CryptoCash team explains how they built the platform as infrastructure rather than just a wallet, what challenges they faced at the start, how they work with liquidity, automation, AML/KYC, and why a predictable result matters more to them than the perfect rate in the moment.

CryptoCash is a platform for both businesses and everyday users. How did you manage to combine these two roles? Did you have to sacrifice any functionality to keep this balance?

From the very beginning, we built CryptoCash as infrastructure, not as a “wallet” or a “cash desk.” For businesses, it’s an API, automation, control, and scaling. For users — a simple interface and clear scenarios. 

Yes, we had to postpone some complex B2B functions so as not to complicate the UX, but we never sacrificed core logic or security. The balance is achieved through modularity.

How difficult was the platform launch? Which moment in development do you now remember as the hardest or most stressful?

The hardest part is not the code, but the responsibility. The first moment when real client funds started flowing through the system across different networks and currencies was extremely stressful. You realize that an error is not a bug — it’s someone’s money. That’s when we very seriously revisited our approach to testing and monitoring.

You support over 300 cryptocurrencies. How do you solve liquidity and pricing at that scale?

We don’t hold liquidity “manually.” The rate is formed in an aggregated way — through several liquidity sources and market data, taking into account spreads, volatility, and risks. For businesses, it’s important to get a predictable result, not the “perfect” market rate at a given moment — that’s exactly what our model is designed for.

Automation is your advantage. Tell us what problems of traditional payment gateways it actually helps to solve?

The main thing is manual routine and the human factor. In traditional gateways, many processes are still semi-manual: reconciliations, confirmations, payouts. With us, addresses are generated automatically, incoming funds are verified without an operator, and payouts can be fully automated. It saves time, money, and nerves.

A security question: how do you find the balance between convenience and transaction protection?

We separate levels of access and risk. Not all actions require the same level of control. The user shouldn’t feel security as “friction,” but critical operations always go through additional checks. Security should be in the background, not intrusive.

CryptoCash works with AML/KYC in different jurisdictions. How do these requirements affect the user experience, and do you have to compromise?

Yes, there are always compromises. But we follow the principle: minimum requirements — maximum transparency. If KYC is needed, the user clearly understands why and at what stage. We don’t complicate the process where it isn’t required by regulation.

Tell us about your unique thing that other platforms don’t have?

For us, it’s not one feature, but an approach. CryptoCash is a builder of payment scenarios: from simple payment links to fully automated B2B flows with auto-conversion and payouts. Many platforms are either “for business” or “for users.” We are between these worlds.

You work with both fiat and cryptocurrency. How can a business understand which payment acceptance format is right for it?

It all depends on the business’s customer. If the audience is international — crypto is often simpler and faster. If it’s local and regulated — fiat is more logical. We don’t impose a format; we allow combining them within one product.

API is an important part of your product. Which usage scenarios are the most popular today, and which do you consider the most promising?

Today, it’s payment acceptance, transaction verification, and automated payouts. The most promising scenarios are online exchange points.

Which areas of CryptoCash usage were unexpected for you?

We were surprised by the number of atypical services: agencies, digital products, closed clubs, events, even internal settlements between teams. People find use cases we didn’t think about at first.

In which regions do you currently see the greatest interest in crypto payments, and why do you think it’s there?

Where there are restrictions or high costs for traditional payments: parts of Europe, the Middle East, Latin America. Crypto there is not hype — it’s a tool.

For you personally: what moment or metric means that CryptoCash is moving in the right direction?

When clients don’t just use the platform, but build their business on it. That’s the best indicator.

Was there any user feedback that truly surprised you or made you look at the product differently?

Yes. One business client told us: «You have too few control points for an operator — I can’t keep watching the company’s funds balance forever, and I’m not ready to give access to all employees».

We then revisited our priorities, and we immediately implemented support for user roles so managers could monitor the situation, but without direct access to funds on the platform. 

What questions do new users who are just starting to work with the platform most often come to you with?

About security, legality, and “what will happen if…”. People want to understand the risks — and that’s right.

How would you explain to a beginner, in simple words, the difference between a crypto card and a crypto wallet?

A wallet is storing and managing crypto. A card is a way to spend it in the familiar world. These are different tools for different tasks.

In rapid development, technical surprises are unavoidable. Which case was the most difficult for you, and how did the team solve it?

A particular pain is when a user sends funds via “the wrong network” or doesn’t understand the difference between ERC20/TRC20/BEP20. Technically, it’s not always a platform error, but the responsibility and reputational hit still fall on us.

We solved this through UX and validation: clear network labeling, hints, address checks, limiting incorrect scenarios, and a more transparent instruction “before payment,” not after the problem.

Crypto is often criticized for complexity. How do you respond to such criticism and what do you do to make the product simpler for everyday users

The banking system is also far from simple, but most people just don’t see all the processes happening inside. In the crypto world, each user effectively becomes their own bank. We, like traditional banks, take all the routine on ourselves and provide users with максимально simple functionality that helps grow a business and solve everyday tasks in one click.