One stack: a wallet that's also a PSP, a vault, and a subscription engine.
Wallet, payment acceptance, confidential storage and recurring billing — one owned, non-custodial stack instead of four vendors.
Most consumer fintechs rent four different vendors — one for the wallet, one to process payments, one to store balances, one for subscriptions — and each quietly holds the keys. Here all four are one stack the business owns, and the user keeps their own keys throughout. No vendor sits in the middle of the money.
- Wallet 25%
- PSP rail 25%
- Privacy vault 25%
- Subscriptions 25%
They wanted to own the whole consumer stack — wallet, acceptance, confidential storage and subscriptions — instead of stitching four vendors who each hold a piece, and the keys.
- 01A self-custodial wallet: keys on the user's device, recovery paths defined
- 02A PSP rail: authorize, capture and settle, in contracts they own
- 03A privacy vault for confidential balances and statements
- 04Recurring on-chain billing with revocable, inspectable authorizations
Every layer is theirs and non-custodial — the user holds the keys, the business holds the contracts, and no vendor sits in the middle of any of it.
The architecture, end to end.
Each box is a primitive we wrote and you own — legible all the way down, no black-box vendor in the path. Value flows left to right.
Keys on the user's device; recovery paths defined, not a vendor's vault.
Authorize, capture and settle in contracts the business owns.
Confidential balances and statements, readable only by the owner.
Recurring billing with revocable, inspectable on-chain authorizations.
- On-chain where enforcement matters; in your infrastructure where operation matters.
- Non-custodial by default — keys and funds stay with their owner.
- Audited line by line, then handed over: repository, runbook, and proofs.
Legacy vs the system we built.
| The legacy way | With Govart | |
|---|---|---|
| Wallet | Custodial, vendor-held | Self-custodial, user-held |
| Payments | Third-party PSP | Owned contracts |
| Vendors | Four, four lock-ins | One owned stack |
| Custody | Vendors hold the keys | The user holds the keys |
Primitives, not black boxes.
Each layer is code you own and can read — written in-house, audited, and handed over. No rented dependency in the path of your money.
Self-custodial wallet
Keys on the user's device, with defined recovery paths.
Owned PSP rail
Authorize, capture and settle inside contracts the business owns.
Privacy vault & billing
Confidential balances and revocable, inspectable recurring authorizations.
Built as if it’ll be attacked.
In crypto, one mistake is terminal. We threat-model before we build — here’s what could go wrong, and what stops it.
A vendor in the middle quietly holds the keys.
Self-custodial throughout — the user holds the keys.
A vendor fails and forces a re-platform.
One owned stack instead of four separate lock-ins.
A runaway subscription keeps charging.
Authorizations are inspectable and revocable on-chain.
Yours at the end. All of it.
The engagement ends — that’s the point. What stays is everything you need to run and extend the system without us.
The repository
Every contract and service, commented and documented — nothing withheld, no black box.
Audit reports
Internal review plus an independent third-party audit, your engineers reading along.
The runbook
How to operate, monitor, upgrade and recover — written for your team, not ours.
Keys & training
Full control transferred, and your engineers walked through it until it's theirs.
“Four vendors became one stack we actually own.”
Have something like this to build?
Disclaimer
Govart provides software engineering, technical advisory, and infrastructure services only. We advise on technology — not on financial, investment, legal, tax, or accounting matters. Nothing on this site is advice, an offer, a solicitation, or a recommendation.
We are not a bank, broker, custodian, exchange, payment processor, money-services business, or virtual-asset service provider, and we never hold, transmit, or take custody of client or end-user funds.
KYC, AML, sanctions screening, licensing, and regulatory compliance remain the responsibility of the operator that owns and runs each deployed system. We build the controls you specify; we do not act as your compliance function. Figures and examples shown are illustrative only.