Accepting digital assets should be simple.
Ideally a customer selects a token, confirms the payment and the merchant automatically receives these funds in the right wallet, accessible from a dashboard. It should feel like a regular credit card or fiat payment.
In practice, the process is often slow, stressful and error-prone.
The reality for users:
Customers need to copy wallet addresses, select the right network and bridge tokens themselves if the merchant only accepts tokens on a specific chain. Every step creates friction!
- Wrong network → failed payment
- Unsupported token → refund request
- Copy-paste error → lost funds
Even experienced users regularly make costly mistakes. Many transactions are abandoned before completion.
The reality for merchants
Merchants face the same complexity, just from the other side. They must support multiple chains and tokens. They handle manual verification of incoming payments. They absorb support costs when something goes wrong. A single error can mean failed settlement, lost revenue and a frustrated customer.
Why this matters
Digital assets continue to grow as a payment method but the current infrastructure creates risk, instead of reducing it. Merchants who want to offer crypto payments often discover they need a dedicated operations team just to reconcile payments and resolve issues.
The Unter approach
Unter has been built to remove these pain points. Instead of asking users to navigate chains and swaps, Unter automates routing, verification and reconciliation in the background. The Unter API is easy to integrate and similar to traditional payment methods.
Merchants integrate once via API and gain:
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Universal acceptance — support for major digital assets across multiple networks.
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Automated routing — swaps and bridging handled in the background.
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Real-time settlement — with transparent network fees.
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Developer-first tools — API and webhooks.
The result: customers pay in the token they have and merchants receive the asset they want, without manual steps in between.
What’s next?
Unter is currently in Beta.
Merchants, platforms and developers can test it today and help shape the production release.