More than invoicing
Settlematic unifies Collect, Gateway, Payroll, and Treasury — non-custodial and multi-chain by default. See how that compares to stitching together point solutions.
Definition
What is Settlematic?
Settlematic is a non-custodial crypto finance platform for businesses. It combines four modules — Collect (invoicing and payment links), Gateway (embeddable crypto checkout for platforms), Payroll (on-chain team payouts), and Treasury (automated sweeps and flows) — on one reconciliation layer.
Businesses invoice in USD or EUR, clients pay in crypto across 6 networks, and funds settle to wallets the merchant controls. Settlematic never holds private keys or customer balances.
4
Modules
vs. point solutions
6
Networks
vs. 1–3 typical
0
Custody
Non-custodial by design
Free
Testnet
Full platform access
Feature comparison
Typical alternatives include custodial processors, single-chain invoicing tools, and separate payroll apps. Settlematic is built as one platform from day one.
| Feature | Settlematic | Typical alternative |
|---|---|---|
| Non-custodial architecture | Yes — by design | Often custodial |
| Fiat-denominated invoices | USD, EUR | Varies |
| Multi-chain support | 6 networks | 1–3 chains typical |
| Payment gateway module | Multi-merchant Gateway | Rare or absent |
| Crypto payroll | Full pay runs & compliance | Rare or absent |
| Treasury sweeps & flows | Built-in | Manual or third-party |
| Custom pay domains | Yes | Varies |
| Open-amount payment links | Yes | Often fixed only |
| Testnet sandbox | Free, full platform | Limited or paid |
| Signed webhooks | HMAC + retry logs | Varies |
| Recurring billing | Yes | Varies |
| Unified ledger | Collect + Gateway + Payroll | Siloed tools |
Platform
One stack instead of three vendors
Most teams stitch together an invoicing tool, a custodial processor, and a separate payroll app. Settlematic unifies billing, checkout, payouts, and treasury on one non-custodial reconciliation layer.
See all modules
Payroll
Inbound and outbound on one ledger
Typical invoicing tools stop at payment confirmation. Settlematic Payroll connects to the same treasury layer — pay contractors from swept balances with audit trails finance and legal can export.
Explore PayrollDevelopers
API-first from day one
OpenAPI REST endpoints, signed webhooks, scoped API keys, and free testnet sandboxes — not a bolt-on afterthought. Integrate Collect, Gateway, Payroll, and Treasury with one auth model.
Developer resourcesBuilt for teams like yours
Settlematic replaces stitched-together stacks for operators across billing, platforms, treasury, and payroll.
Agencies & SaaS
Bill clients in USD, settle in USDC, and export reconciliation without a custodial processor holding retainers.
Platforms & marketplaces
Onboard merchants, embed checkout, and automate with webhooks — multi-merchant from the start.
Web3 & DAOs
Treasury sweeps, contributor payroll, and partner invoicing without giving up key custody.
Global payroll ops
Batch pay runs, schedules, and compliance exports for remote teams paid on-chain.
Finance & treasury
Real-time ledger, sweep rules, gas wallets, and visual flows — not nightly batch files.
Engineering teams
Testnet sandboxes, webhook verification, and embeddable checkout to ship integrations fast.
Ready to switch?
Start on free testnet, run a sandbox demo, or talk to sales about migrating from your current stack.
Most invoicing tools are single-merchant and custodial. Settlematic adds Gateway for platforms, Payroll for outbound flows, Treasury automation, and non-custodial settlement across 6 networks.
Start invoicing, accepting, and paying in crypto
One non-custodial platform for your entire crypto money movement.