CPAY / Build API · APP · ON-PREMISE

Crypto wallet development.

Your brand. Your users. Our rails.
Live in weeks — not in 12 months.

Book a call → Talk to sales

Prefer email? Write us at bd@cpay.world

200M+
Processed on CPAY rails
50+
Businesses launched
8
Networks · 100+ assets
Custom.
Pricing per delivery route
01 / 05Build vs. buy

What a from-scratch build actually costs.

Crypto wallet development from zero means key management (MPC, HSMs, signing), node infrastructure across every chain, compliance tooling, security audits — and a permanent team to keep it all alive.

cpay / comparison
Dimension
From scratch
On CPAY rails
Time to live
9–18 months
→2–6 weeks
First-year cost
$300–500K+ (team of 5–8)
→Custom — scaled to your route & volume
Node infrastructure, 8 chains
You build and run it
→Included
Security audits
You commission them
→Done, continuously
KYC / AML stack
You integrate a vendor
→Built in
Key management (MPC / HSM)
The hardest part of the build
→Custodial or non-custodial — your choice
Maintenance & upgrades
Forever, on you
→On us

The question isn't whether you can build it. It's whether it's worth a year and half a million dollars to rebuild what already exists.

02 / 05Delivery routes

Three ways to get your wallet.

Pick the depth of control you want — from embedding wallets in your product to owning the entire deployment.

cpay / routes
Route A · Build
Wallet API & SDK
Embed crypto wallets in your own product. A dedicated wallet for every user through one API — your UX on top, our rails underneath.
  • →Per-user wallets: create, deposit, withdraw, swap
  • →Balances, history and webhooks per wallet
  • →You own the product end to end
Pricing
Transaction fee
Route B · Fastest to live
White-Label Wallet App
A turnkey branded wallet app — iOS, Android and web, in your colors, with your fee structure. CPAY runs the platform; you run the business.
  • →Live in weeks: branding, fees, users
  • →Multi-chain wallets, swaps and payouts under your brand
  • →CPAY operates, upgrades and supports the platform
Pricing
Monthly subscription + transaction fee
Route C · Own it
On-Premise
The full CPAY wallet platform deployed on your own infrastructure. Maximum control, data residency, and independence.
  • →Runs in your environment, your jurisdiction
  • →Full platform capabilities, self-hosted
  • →Individual deployment & support plan
Pricing
One-time license

On every route you set your own user pricing — your platform fee is your margin on every transaction.

03 / 05What you get

What's inside the wallet you launch.

Not a skeleton to finish — complete, production-grade wallet infrastructure from day one.

cpay / capabilities
Per-user wallets
A dedicated wallet for every user, created on demand via one API call (WaaS).
Deposits & withdrawals
Accept and send across every supported chain — with webhooks for every movement.
Swaps
In-wallet asset swaps, cross-chain liquidity — without leaving your product.
Balances & history
Real-time balances and full transaction history, per wallet, per asset.
Mass payouts
Payroll, rewards, airdrops — thousands of transfers in one batch, CSV or API.
KYC & AML
Onboarding verification, KYT monitoring, sanctions screening — under your brand.
REST API & webhooks
Full programmatic control with signed, reliable webhooks for every event.
100+ assets · 8 networks
ETH, Tron, Base, Polygon, BNB, Solana, Arbitrum, BTC — one integration covers them all.

Custodial or non-custodial.
Your call.

Wallet development on CPAY doesn't lock you into one custody model — choose per product and per market, and change course as your licensing evolves.

Non-custodial
Your users control their own wallets and keys. Funds live on-chain with them — lower regulatory burden for you as the operator.
Custodial
You manage funds under your own licence. The fit for embedded-finance products and licensed operators (MSB / VASP / EMI) who want full balance control.
04 / 05Delivery

From scoping to live in four steps.

A typical white-label app or Wallet API delivery. On-premise deployments follow an individual plan.

cpay / timeline
  1. 1
    Scoping & custody model
    Week 1 — your product, markets, custody choice and fee structure, mapped with our team.
  2. 2
    Branding & setup
    Week 1–2 — app branding, wallet configuration and platform fees set up.
  3. 3
    Integration & testing
    Weeks 2–3 — API integration (Wallet API route), webhooks, test wallets across networks.
  4. 4
    Go live
    Week 4 — first real users, real balances, with CPAY support alongside.
# delivery plan · white-label wallet week 1 scoping · branding · fees week 2 wallets · swaps · payouts week 3 integration · test wallets week 4 go live # from-scratch equivalent month 1-18 still building…
05 / 05Who it's for

Who launches wallets on CPAY.

Operators who need their own wallet — with their brand on the front and proven rails underneath.

cpay / verticals
A
Trading platforms & exchanges
Per-user deposit wallets, balances and withdrawals at scale — via one API.
Crypto Wallet API →
B
iGaming & betting
Player wallets with instant deposits, withdrawals and bonus payouts — high-risk-ready.
For iGaming →
C
Fintechs & neobanks
A branded wallet app on iOS and Android — swaps, cards and staking under your brand.
White Label Wallet →
D
Marketplaces & platforms
Hold and move user funds inside your product — payouts, rewards and balances built in.
Explore WaaS →

A development agency hands you code.
We hand you working infrastructure.

Agency-built wallets come with a codebase you'll maintain forever — every chain upgrade, every security patch, every compliance change is your problem. On CPAY rails, you own the customer, the brand and the margin — and the rails stay our job, with an SLA.

FAQCommon questions

Questions, answered.

What founders and product teams ask before launching a gateway.

cpay / faq
How long does crypto wallet development take with CPAY?
Typically 2–6 weeks from scoping to live wallets for the Wallet API and white-label app routes: week 1 scoping and branding, weeks 2–3 integration and setup, week 4 test wallets and launch. On-premise deployments follow an individual plan. A from-scratch build usually takes 9–18 months.
How much does it cost compared to building from scratch?
A from-scratch wallet typically costs $300–500K+ in the first year for a team of 5–8 engineers — key management alone (MPC, HSMs, signing infrastructure) is a project of its own. CPAY pricing is custom to your delivery route: the Wallet API/SDK is priced per transaction, the white-label app combines a monthly subscription with a transaction fee, and on-premise is a one-time license.
Do I own the product and the customers?
Yes. On every route the brand, pricing and user relationships are yours. With the Wallet API/SDK you build and own your product on CPAY rails; with the white-label app you run a branded wallet CPAY operates for you; with on-premise the full platform runs on your infrastructure.
Are the wallets custodial or non-custodial?
Your choice — CPAY supports both. Run non-custodial, where your users control their own wallets and keys, or custodial, where you manage funds under your own licence (common for embedded-finance products and licensed operators). You can choose per product and per market.
Do I have to build MPC or key management myself?
No. Key management — the hardest part of any crypto wallet development project — is solved on CPAY rails. You never run key ceremonies, HSMs or signing infrastructure yourself; you choose the custody model and the platform handles the rest.
Can I set my own fees for users?
Yes. As an operator you define your own pricing — your platform fee is your margin on every transaction, on top of transparent CPAY infrastructure pricing.
What about KYC and AML compliance?
KYC onboarding, KYT transaction monitoring, and sanctions/PEP screening are native to the CPAY stack and run under your brand — the wallet you launch is compliance-ready from day one, no separate vendor to stitch in. See KYC & AML.
— / —Get started

Tell us what you're building.

We'll tell you the fastest route to live — Wallet API, white-label app or on-premise — with a pricing model that fits it.

cpay / contact

Your wallet.
Weeks, not quarters.

Your brand, your users, your custody model — on rails that already process millions.

Book a 30-min call → Contact sales
general: support@cpay.world business: bd@cpay.world response: < 24h