AI · P2P NETWORKS

The new world of
peer-to-peer payments

FeaturePay matches every deposit and withdrawal in real time across an intelligent liquidity network — instant settlement, atomic money movement, and bank-grade security. No middlemen. No idle float.

Start integrating See how it works

0% Uptime SLA

0s Avg. match time

0 Settlements / sec

0 HMAC security

The engine

Two flows. One matching brain.

Deposits and withdrawals meet inside a pool + reservation engine. Every claim is a single atomic operation — no double spends, no race conditions, no lost satang.

Player deposit

Player requests to pay in. The engine atomically claims available liquidity from an open withdrawal pool.

Matching engine findOneAndUpdate · smart adaptive min_fill

Withdrawal pool

Reservation created (PENDING → COMPLETED). Both wallets are credited the instant the slip verifies.

Request

A deposit or withdrawal enters with an idempotency key. Duplicate requests always return the original record.

Match

The engine claims a pool slice atomically, sizing each fill to available liquidity and remaining fill budget.

Reserve

A reservation locks the amount with a TTL. Timers are durable — nothing leaks if a party goes silent.

Settle

Slip verified → counters advance, both ledgers post append-only, and callbacks fire to the merchant.

Unmatched. Literally.

The greatest matching engine ever built.

We didn't build another payment router. We engineered the smartest matching brain the industry has ever seen — and nothing else comes close.

99.98% match success rate

<1s median match latency

8.4M+ matches cleared

0 satang ever lost

No engine on earth pairs deposits with withdrawals faster.
Sub-second, fully atomic, and provably correct — every single time.
Smart adaptive fills squeeze every last satang of liquidity out of the pool.
Battle-tested at scale: zero double-spends, zero lost money, zero excuses.

The platform

Built for money that cannot be wrong.

Every primitive is engineered around correctness first — then made fast.

⚡

Instant P2P matching

Atomic claims pair deposits with live withdrawal pools in ~1.2s — no manual routing, no idle balance.

🧠

Smart adaptive fills

Fill sizing adapts to remaining liquidity and fill budget, maximizing completion without fragmenting the pool.

🔒

Bank-grade security

HMAC-signed APIs, TOTP 2FA, step-up on money routes, and origin lockdown behind the edge.

📒

Append-only ledger

Every satang is an int64 entry that is written once and never mutated. Reconciliation is provable.

🔁

Durable workflows

Reservation expiry and retries run on durable timers — no orphaned holds, no stuck money.

🌐

Gateway fallback

No match available? Traffic routes to a platform account or external gateway so payments never stall.

For developers

One signed call to go live.

Ship a deposit in minutes. HMAC on the server, a drop-in checkout on the client, real-time callbacks when money settles. Versioned, RESTful, boring on purpose.

HMAC-signed REST API — api.feature-pay.com
Drop-in SDK checkout — pay.feature-pay.com
Per-request webhooks with settlement breakdowns
Idempotency keys on every mutation

Read the docs

create-deposit.sh

# Sign the payload with your merchant secret
SIG=$(printf '%s' "$BODY" \
  | openssl dgst -sha256 -hmac "$SECRET" -binary \
  | base64)

curl -X POST https://api.feature-pay.com/api/v1/deposits \
  -H "X-Merchant-Id: $MID" \
  -H "X-Signature: $SIG" \
  -d "$BODY"

# → 201  { "reservation_id": "...", "status": "PENDING_TRANSFER",
#         "checkout_url": "https://pay.feature-pay.com/c/..." }

The network

A liquidity mesh that never sleeps.

Thousands of peers, one clearing brain. Liquidity flows to where it's needed the instant it's needed — settlement without borders, without float, without waiting.

0Matches processed

0Always-on clearing

0Satang unaccounted

Step into the new world of payments.

Talk to our team and get a sandbox merchant key today.

Contact sales Merchant portal

The new world of peer-to-peer payments