Terminus is a payment association and PayFi solution that aims to bridge cryptocurrency and real-world transactions by enabling crypto payments using existing QR codes. It seeks to allow users to pay with cryptocurrency at merchants that use fiat-currency payment QR codes, with the merchants receiving payment in regular bank money. ^[1]

Overview

Terminus Network is a platform that bridges Web3 technology with real-world commerce. It began as a payment network that connects merchants and consumers, enabling real-world transactions through blockchain infrastructure. Over time, its focus expanded to integrating tokenomics into traditional business models. ^[4]

Terminus is focusing on Southeast Asia, and is already operational in Vietnam and Thailand.

Features

Universal Payment

Terminus Universal Payment is a system that enables users to pay with cryptocurrency while merchants continue to receive payments in fiat currency. This allows crypto payments to be integrated seamlessly into traditional point-of-sale environments. Merchants are not required to manage digital assets or handle currency conversions, and there is no onboarding process specific to crypto acceptance. Settlements occur normally, making the process simple and compatible with existing operations. ^[5]

Technology

Terminus supports all major tokens including USDT, USDC, ETH, SOL, TON, BNB across major blockchains like Solana, Ethereum, Tron and Binance Smart Chain. Users can connect both non-custodial wallets (MetaMask, Trust Wallet) and custodial wallets (Binance Pay, Gate Pay) for maximum flexibility. Payments are processed through a three-step system: crypto custody (1-2 minutes), OTC conversion (seconds), and fiat settlement to merchants (seconds)

Partnerships

Terminus Payment Association

The Terminus Payment Association is a collaborative initiative formed to support the integration of cryptocurrency payments into real-world systems. It includes participants from both the blockchain and traditional finance sectors. Key founding members are Terminus, BNB Chain, AEON, and Alchemy Pay. The association brings together infrastructure providers and stakeholders to help bridge digital and fiat payment systems. ^{[5] [6] [7]}

Other Partnerships

• CBPAY Global
• Bee Network
• XDB Chain
• 4EVERLAND