Product Overview

Terminus is the user-facing layer of the network. It is the product through which consumers bring digital assets into offline commerce. The experience is intentionally simple: a user encounters a merchant QR code, opens Terminus, pays with supported crypto, and the merchant continues to receive local fiat.

A Consumer Product With Infrastructure Underneath

The product experience is straightforward because Terminus sits on top of a deeper infrastructure stack. Users do not need to see the routing, quoting, settlement, and channel integrations that make the payment possible. They only need confidence that the transaction will work.

This balance between simplicity on the surface and orchestration underneath is central to the Terminus design.

Scan Existing Fiat QR Codes

Terminus is not asking merchants to display new crypto-specific payment interfaces. It works by reading and interpreting the same local fiat QR codes merchants already use in day-to-day business.

That matters because it aligns the product with the existing commercial environment. The product becomes useful immediately in places where QR payment is already normal.

Pay With Supported Digital Assets

The payment is funded by supported digital assets. Over time, this can include stablecoins and major liquid crypto assets, with the exact asset set governed by operational, liquidity, and compliance considerations.

The user does not need to manually convert into local fiat before making the payment. The conversion and settlement logic happens in the background as part of the payment flow itself.

Merchant Receives Local Currency

Merchants are not expected to take custody of crypto. They are not asked to manage wallet exposure or asset volatility. The payment lands in terms compatible with the existing local settlement system.

This preserves merchant trust and makes the product scalable in mainstream commerce environments.

The Right User Experience for Adoption

A product designed for daily spending must feel close to existing payment behavior. That is why Terminus aims for a user experience defined by:

• low cognitive overhead,

• minimal steps,

• fast confirmation,

• and clear transaction outcomes.

In effect, Terminus turns a crypto-funded payment into a QR commerce experience that feels native in a mobile-first market.