Crocodile. Card payments without card balances.
Crocodile is a B2B infrastructure where cryptocurrency becomes the native source of funds for global card payments.
Funds remain in the wallet. There are no card balances. Payment is executed only at the moment of the transaction. A new card payment architecture for the crypto economy.
What is Crocodile
The platform empowers companies to conduct corporate and platform payments, issue cards, and build their own payment products where cryptocurrency works like fiat — in any country and within standard payment networks.
The platform forms a unified operational layer connecting:
- digital value sources
- payment cards
- fiat payment networks
- company business logic
Crocodile is used as foundational infrastructure that companies connect to via API and build their own payment products, card programs, and financial services on top of.
For Whom
Crocodile is created for companies where payments are part of the system architecture:
Custodial Platforms
Custodial and asset platforms
Stablecoin Infra
Stablecoin infrastructure
Embedded Finance
Embedded financial services
Issuer Platforms
Issuer platforms
Orchestration
Payment orchestration systems
Fintech Infra
Infrastructure fintech companies
If the payment model is a strategic layer of the business, Crocodile is embedded at the infrastructure level.
Architecture Model
Instead of the "account → card → payment" scheme, Crocodile uses the "source of funds → execution → payment" architecture.
The platform separates the source of funds from the payment interface and works on the transaction execution level.
The card becomes the request interface. Execution happens at the infrastructure level.
Card Network
Request enters the card network
Real-time Processing
Crocodile processes transaction in real-time
Auto Conversion
Value converted and debited from digital source
Merchant Payment
Fiat credited to merchant as standard card operation
Business Value:
Crocodile's architecture has undergone pilot operations in the UAE, confirming stability and its readiness for global scaling.
Possibilities
Crocodile provides infrastructure capabilities to manage payment logic at the platform level:
Corporate Cards
Issuance of corporate and salary cards
Crypto Source
Connecting cryptocurrency as a source of funds
Payment Logic API
Managing payment logic via API
Execution Control
Control of conversion and execution moment
Infrastructure
Issuer-as-a-service infrastructure
Global Scaling
Scaling in different jurisdictions
The platform functions as an operational payment layer integrated into existing business models.
Key Use Cases
Payroll Cards and Payouts
Crocodile provides infrastructure for issuing and managing payroll and corporate cards.
The platform allows:
- Issue cards for employees and teams
- Make payroll payments in fiat using digital fund sources
- Centrally manage limits and fund usage rules
- Support distributed and international teams
Payroll payments are processed within Crocodile's unified payment architecture.
Corporate and Product Cards
Crocodile provides infrastructure for issuing and managing corporate and product cards.
The platform allows:
- Issuing cards for teams, products, and internal processes
- Managing expenses and fund usage scenarios
- Connecting cards to digital value sources
- Processing payments through a unified payment architecture
Cards function as an access interface to Crocodile's payment layer and are managed through a common architecture and API.
Design Partners · Early Access
Crocodile is at the stage of early infrastructure launch. We are forming a limited pool of design partners — companies that integrate the platform into their payment architecture and participate in forming the execution layer.
Design partners receive:
Infrastructure advantage, built into the business model. Access is granted by partner selection.
Partnership built around:
Crocodile is a closed infrastructure platform.
Access is granted to companies for whom payment architecture is a strategic asset.