Merchant Payments Network

Lightnet's Merchant Payments Network enables platforms and ecosystems to connect users with 200,000+ Asian merchants, accepting stablecoins, loyalty points, and digital assets while settling to fiat currency.

Product Overview

Built for Web3 platforms, payment apps, and loyalty ecosystems, the Merchant Payments Network bridges digital asset value into real-world merchant use without requiring merchants to manage cryptocurrency. Merchants receive local fiat currency while users pay with digital assets — powered by Lightnet's regulated settlement infrastructure licensed across Singapore (MAS), Philippines (BSP), Thailand, and Indonesia (Bank Indonesia).

Key Features

• Stablecoin to fiat merchant acceptance: Users pay with digital assets; merchants receive local fiat currency with no crypto management required
• 200,000+ merchant integrations across Asia and international markets
• QR and local payment rail integration: Connect to supported QR codes and local payment methods across Asia
• Token and loyalty point redemption: Convert loyalty points, in-app credits, or Web3 tokens into usable value at physical and online merchants
• Local collection and payouts: Support merchant settlements, payouts, and multi-currency collections through regulated rails
• Single API integration: Simple developer API for seamless platform onboarding
• Web2 x Web3 settlement interoperability: Digital asset transactions land as fiat payouts across 40+ supported markets
• Built-in compliance: KYC/KYB and AML/CFT compliance screening on every transaction

Use Cases

• Web3 platforms: Enable user payments in digital assets with fiat settlement for merchants
• Payment apps: Add digital asset payment features without requiring merchants to manage crypto
• Loyalty ecosystems: Allow redemption of points or tokens at participating merchants
• Crypto exchanges and OTC desks: Offer real-world spending utility for digital asset holders