# Untitled/

## Introduction

### What is Tylt

Tylt is a crypto-asset infrastructure provider that enables businesses to accept, move, and settle value globally using stablecoins.

Tylt provides APIs and payment rails for:

* Accepting crypto payments (on-chain transfers)
* Executing crypto payouts and transfers
* Converting fiat to crypto and crypto to fiat via local payment methods
* Managing treasury and internal settlement flows

Tylt operates at the crypto transaction layer. All fiat payment processing is handled by regulated third-party partners. Tylt does not hold or safeguard fiat funds.

***

### Why Tylt

Global payments are fragmented across currencies, banking systems, and settlement timelines. Traditional cross-border payment infrastructure often introduces delays, elevated costs, fragmented liquidity, and operational complexity.

Tylt provides a unified settlement layer using stablecoins, enabling businesses to:

* Settle transactions globally in near real-time
* Reduce dependency on correspondent banking networks
* Simplify multi-currency operations
* Access multiple payment and conversion rails through a single API

<figure><img src="https://content.gitbook.com/content/1faQQ9zk1XcGCYD5rVeI/blobs/FhjQoVUh4mBpgwpAmYDi/tylt%201.png" alt=""><figcaption></figcaption></figure>

### Service Stack

Tylt operates across three core infrastructure layers:

#### 1. Payment Layer (Crypto Payments)

Handles the creation and processing of crypto-denominated payment and transfer flows. This includes:

* Deposit address generation
* Payment tracking
* On-chain confirmation handling

***

#### 2. Conversion Layer (Fiat ↔ Crypto)

Enables conversion between fiat and crypto using local payment methods such as:

* PIX (Brazil)
* Open Banking (EUR/GBP)
* QRPH (Philippines)

Settlement is performed in stablecoins, including USDT and USDC.

***

#### 3. Settlement & Treasury Layer

Manages the movement of funds within the Tylt system, including:

* Internal wallet balances
* Merchant ledgering
* Transfers across supported blockchain networks

Fiat funds are processed externally via licensed partners. Tylt operates strictly within the crypto transaction layer.

***

### Who is this for

This documentation is intended for:

* Payment platforms and payment service providers (PSPs) extending into crypto rails
* Marketplaces and fintech applications
* Merchants accepting or sending crypto payments
* Developers building programmable payment infrastructure

Familiarity with REST APIs, webhooks, and payment system design is assumed.

***

### Core Concepts

Understanding the following terms is essential before integrating:

| Term            | Definition                                                                    |
| --------------- | ----------------------------------------------------------------------------- |
| **Instance**    | A transaction session created via API                                         |
| **Trade**       | The lifecycle object representing a transaction through its processing states |
| **Transaction** | A financial movement (credit or debit)                                        |
| **Account**     | A merchant balance within Tylt                                                |

These objects are used consistently across APIs, webhooks, and reporting

***

### Key Integration Principles

#### Event-Driven Architecture

Tylt follows a webhook-first model. All transaction state changes are delivered via webhook callbacks. Integrators are expected to consume and process these events to track transaction lifecycle updates.

***

#### Separation of Fiat and Crypto Layers

Fiat flows are executed via licensed payment partners. Tylt operates exclusively at the crypto transaction and settlement layer and does not process or hold fiat funds.

***

#### Stablecoin-Based Settlement

All settlement and internal accounting are performed using stablecoins, including USDT and USDC..