How a crypto payment reaches you: networks, confirmations, fees and settlement.
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Guides, answers and step-by-step instructions for accepting crypto payments with SPEEND.
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The chains and coins a merchant can accept, and what each one costs to use.
Open sectionDollar-pegged assets that carry most payment volume, and what happens when a peg slips.
Open sectionPlain-language definitions of the crypto terms that show up in checkout, invoices and settlement.
Open sectionWhere crypto is held, who controls the keys, and how a merchant keeps funds safe.
Open sectionVerification, screening and the checks a payment provider runs before and after onboarding.
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- What Is Cryptocurrency? Cryptocurrency is digital money that moves between people directly, recorded on a public ledger that thousands of independent computers keep in sync. No bank…
- What Is a Merchant? In payments, a merchant is any business that accepts money from customers for goods or services. The word carries a specific meaning inside the…
- What Is Payment Processing? Payment processing is everything that happens between a customer pressing Pay and money arriving in a business account. It covers routing the request, verifying…
- What Is USDC? USDC is a stablecoin issued by Circle and pegged to the US dollar: one USDC is meant to be worth one dollar at all…
- What Is FUD? FUD stands for fear, uncertainty and doubt. In crypto it describes information spread to make people anxious enough to sell, whether that information is…
- What Is P2P in Crypto? P2P stands for peer-to-peer: a trade between two people with no institution buying or selling in the middle. In crypto it usually describes a…
- Hot Wallet vs Cold Wallet A hot wallet is connected to the internet. A cold wallet is not. That single difference decides everything else about how each one is…
- What Is Bitcoin Cash? Bitcoin Cash (BCH) is a cryptocurrency that split away from Bitcoin on 1 August 2017. It shares Bitcoin's entire history up to that day…
- What Is Litecoin? Litecoin (LTC) is a cryptocurrency launched in October 2011 by Charlie Lee, a former Google engineer, as a lighter version of Bitcoin. The code…
- ERC-20 or TRC-20: choosing a network for a USDT payment Both are USDT. ERC-20 runs on Ethereum, TRC-20 runs on Tron. Take TRC-20 for everyday payments, ERC-20 when a counterparty or an exchange requires…
- What Is a Transaction Hash? A transaction hash, also called a TXID, is the unique identifier of a transfer on a blockchain. It looks like a long string of…
- What is Bitcoin (BTC)? Bitcoin (BTC) is the first cryptocurrency — a public payment network launched in 2009 whose ledger is maintained by thousands of independent computers instead…
- What Is a Wallet Address? A wallet address is the string you give someone so they can send you cryptocurrency. It works like an account number: public, shareable, and…
- What Is KYC in Crypto? KYC stands for know your customer. It is the procedure a regulated financial company runs to establish who a person actually is before letting…
- What Is KYB? KYB stands for know your business. It is the verification a payment provider runs on a company before opening an account for it: who…
- What Is a Chargeback? A chargeback is a forced reversal of a card payment, initiated by the cardholder through their bank rather than through the merchant. The money…
- What Is a Rolling Reserve? A rolling reserve is a share of every payout that an acquirer withholds and releases later, usually after six months. It exists to cover…
- What Is AML in Crypto? AML stands for anti-money laundering. It is the whole body of law, regulation and internal procedure aimed at stopping criminal proceeds from being turned…
- What Is KYT? KYT stands for know your transaction. Where KYC asks who a person is, KYT asks where the money has been. It scores an incoming…
- What Is a High-Risk Merchant? A high-risk merchant is a business that a payment provider classifies as more likely to generate losses. The label has nothing to do with…
- Custodial vs Non-Custodial Wallet The difference comes down to one question: who holds the private keys. In a custodial wallet a company holds them on your behalf. In…
- What Is a Seed Phrase? A seed phrase is a list of twelve or twenty-four ordinary words that a wallet generates when you first set it up. Those words…
- What is USDT (Tether)? USDT, or Tether, is a stablecoin that tracks the US dollar: one USDT is meant to be worth one dollar, and the same token…
- What Is a Merchant Wallet? A merchant wallet is a wallet built for a business taking payments rather than for a person holding funds. The cryptography underneath is identical;…
- What Is Fiat? Fiat is money issued by a government and declared legal tender, with no commodity behind it. Dollars, euros, yen and roubles are all fiat.…
- What Is a Hardware Wallet? A hardware wallet is a dedicated physical device that generates private keys and keeps them inside itself permanently. It is the most common form…
- How Many Confirmations for Bitcoin? A confirmation means a transaction has been included in a block. Each block added after that one counts as another confirmation, so a transaction…
- What Is TON? TON stands for The Open Network, a blockchain whose native token is Toncoin. It is one of the cheapest and fastest networks in general…
- What Is BNB? BNB is the native token of BNB Chain, a blockchain compatible with Ethereum's tooling. It launched in 2017 as Binance Coin, an ERC-20 token…
- What Is Solana? Solana is a blockchain launched in 2020 and built for throughput. Its native token is SOL, transactions settle in well under a second, and…
- What Is Monero? Monero (XMR) is a cryptocurrency launched in 2014 in which sender, recipient and amount are hidden by default. Where Bitcoin publishes every transaction for…
- What Is Dogecoin? Dogecoin (DOGE) is a cryptocurrency created in December 2013 as a parody of the coins launching every week at the time. The joke outlived…
- What Is a Layer 2? A layer 2 is a network built on top of a base blockchain that processes transactions separately and periodically writes results back to it.…
- What is a stablecoin? A stablecoin is a crypto asset designed to hold a steady value — almost always one US dollar — so it can be used…
- USDT vs USDC Both track the US dollar and both hold their peg reliably. The differences sit in who issues them, how the reserves are disclosed, where…
- What Is a Depeg? A depeg is a stablecoin trading away from the value it is supposed to track. A dollar stablecoin at 0,97 has depegged; so has…
- What Is a Validator? A validator is a participant that checks transactions and helps add new blocks to a blockchain. When you wait for a payment to confirm,…
- What Is a Native Token? A native token is the coin a blockchain issues itself and uses to pay for its own operation. ETH on Ethereum, SOL on Solana,…
- What Is TVL? TVL stands for total value locked: the combined worth of all assets deposited in a protocol at a given moment. It is the default…
- What Are Diamond Hands? Diamond hands describes holding an asset through severe price swings without selling. The opposite, paper hands, describes selling early under pressure. Both are internet…
- What Are Altcoins? An altcoin is any cryptocurrency other than Bitcoin. The word contracts alternative coin, and it dates from the period when Bitcoin was the only…
- How Many Bitcoins Are There? Bitcoin is capped at 21 million coins and will never exceed it. As of 2026 roughly 19,9 million have been mined, which leaves about…
- What Is a Crypto Wallet? A crypto wallet is software or a device that stores the private keys controlling your funds. The coins themselves never leave the blockchain, where…
- How to Fund a Crypto Wallet There are four ways to get funds into a crypto wallet: buy inside the wallet, transfer from an exchange, receive from another person, or…
- What is a network fee (gas)? The network fee — often called gas — is what a blockchain charges to process a transaction. It goes to the network that validates…
- How to Withdraw From a Crypto Wallet Withdrawing means moving funds out of a wallet, and the word covers two different operations. Sending crypto to another address is trivial. Turning it…
- How to Recover a Crypto Wallet Recovering a wallet means restoring access to keys you still have the seed phrase for. If the phrase exists, recovery is straightforward and takes…
- What Is a Telegram Crypto Wallet? Telegram includes a crypto wallet inside the messenger, built on the TON network. It stores and transfers coins without a separate application, which removes…
- How to Send Crypto to Another Wallet Sending cryptocurrency takes five steps and about a minute. Two of those steps are where money gets lost permanently, and both are worth slowing…
- How to Pay With Crypto A crypto payment is a transfer from the customer's wallet to an address the seller controls, recorded on a blockchain. There is no card…
- How to Get and Spend Bitcoin There are five ways to acquire Bitcoin and rather fewer places to spend it than the enthusiasm around the subject suggests. Both halves are…
- Who Accepts Crypto? More than 25 million businesses worldwide accept some form of cryptocurrency, and around 18 500 use an integrated payment gateway, against roughly 12 000…
- What Is Gas in Crypto? Gas measures the computational work a transaction requires from a blockchain. The word originated with Ethereum and spread to every network built on similar…
- What Is a Smart Contract? A smart contract is a program stored on a blockchain that runs when someone calls it. Nobody executes it on request and nobody can…
- What Is a Blockchain Network? In crypto, the network is the blockchain an asset moves on. It is the single most consequential choice in any transfer, and getting it…
- What Is a Block Explorer? A block explorer is a search engine for a blockchain. Every transaction, address and block on a public chain is recorded permanently and visible…
- What Is the Mempool? The mempool is the waiting room of a blockchain: the pool of transactions that have been broadcast to the network but not yet included…
- What Is a Blockchain Bridge? A bridge moves value between blockchains that have no knowledge of each other. Since a token cannot leave the network it lives on, a…
- What Is a Wrapped Token? A wrapped token represents another asset, usually one living on a different blockchain. WBTC represents Bitcoin on Ethereum. The original is locked somewhere, and…
- What Is a Memo in Crypto? A memo is a short identifier sent alongside a wallet address on certain networks. Depending on the chain it is called a memo, a…
- What Is the Travel Rule? The Travel Rule requires identifying information about the sender and recipient to accompany a transfer above a certain size. It originated in banking, where…
- What Is MiCA? MiCA stands for Markets in Crypto-Assets, the European Union regulation that created a single legal framework for crypto across all member states. It replaced…
- What Is Sanctions Screening? Sanctions screening checks a transaction or an address against government lists of prohibited parties. It is separate from risk scoring, it produces a binary…
- Can Crypto Be Traced? Yes, and more thoroughly than cash. A public blockchain records every transfer permanently and shows it to anyone who looks. The correct word for…
- How to Check a Wallet for Risk Checking a wallet means tracing where its funds have been and assessing what that history implies. The phrase people use is checking whether an…
- What Is Address Poisoning? Address poisoning plants an address that looks like one you already use into your own transaction history, in the hope that you copy it…
- What Is a Double Spend? A double spend means using the same funds twice. This was the problem that made digital money impossible before blockchain: a file can be…
- What Is a Crypto Invoice? A crypto invoice is a payment request that fixes an amount, a destination address, a network and a rate for a limited window. It…
- Recurring Crypto Payments Recurring crypto payments run into one structural obstacle: a blockchain transfer is initiated by the holder of the funds and nobody else. Card subscriptions…
- Mass Crypto Payouts A mass payout sends funds to many recipients in one operation. Affiliate programmes, iGaming player withdrawals, marketplace seller settlements and crypto payroll all need…
- How Crypto Refunds Work A crypto refund is a new transfer in the opposite direction, sent because the merchant decided to send it. No bank can force it…
- Underpayment and Overpayment An invoice asks for an exact amount and sometimes a different amount arrives. This is one of the most common operational issues in crypto…
- Sent Crypto to the Wrong Network The funds are not destroyed. A transfer sent on the wrong chain exists at that address on that chain, and whether you can reach…
- What Is a Webhook? A webhook is a message one server sends another when something happens. In payments it is how a payment gateway tells your system that…
- Crypto Payroll Crypto payroll means paying a team in cryptocurrency instead of routing money through correspondent banks. It solves a specific problem, which is paying people…
- What Is Bitcoin Halving? Halving is the scheduled reduction of the Bitcoin mining reward by fifty percent, occurring every 210 000 blocks, which works out to roughly four…
- What Is a Meme Coin? A meme coin is a token whose value comes from attention rather than from any claimed function. There is no product, no revenue and…
- Why Crypto Prices Move Nobody can tell you reliably why a specific day moved the way it did. Explanations appear within hours of any large move, and they…
- How Many Cryptocurrencies Are There? Tracking sites list tens of thousands, and the figure carries almost no information. Issuing a token costs cents and requires nobody's permission, so the…
- What Is APR in Crypto? APR stands for annual percentage rate: the simple yearly return on an amount, without compounding. APY, annual percentage yield, includes compounding and is therefore…