A modular stack for regulated settlement.
Unichain is built as composable infrastructure: custody, fiat rails, cards, compliance, and partner APIs that can scale without rewriting the core.
Architecture principles
Core modules
Custody layer
Secure custodial wallets for BTC, ETH, and stablecoins with governance and access controls.
Fiat settlement
EUR rails with compliance checks, reconciliation, and reporting workflows.
Card issuing
Virtual and physical cards for compliant spending and merchant settlement.
Conversion engine
Transparent crypto ↔ fiat conversion with pricing controls and audit trails.
Compliance engine
KYC, AML, screening, and transaction monitoring embedded into every flow.
Partner API
White-label and B2B API access to onboard partners without custom rebuilds.
Security and governance
The platform is designed for regulatory-grade oversight: segregation of client assets, audit trails, and traceability for every transaction. Governance policies align with MiCA requirements for custody and operational resilience.
Segregated custody
Client assets ring-fenced from operating capital.
Audit-ready data
Full logs across onboarding, conversion, and settlement flows.
Risk controls
Operational, liquidity, and counterparty monitoring built in.
Scalable by design
Unichain expands through modules: IBAN accounts, staking, crypto-loans, and institutional custody can be added when licensing and market readiness allow. The core remains stable and compliant.