# Terminus

> Terminus aims to bridge Web3 and real-world economies by enabling crypto payments using existing QR codes. It focuses on ease of use for both consumers and merc...

- Canonical URL: https://iq.wiki/wiki/terminus
- Categories: Projects & Protocols
- Tags: Layer 1, DEX, Infrastructure
- Created: 2025-05-18T21:52:43.930Z
- Last updated: 2025-05-24T11:08:52.965Z
- Source: IQ.wiki — the world's largest blockchain and crypto encyclopedia (https://iq.wiki)

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**Terminus** is a payment association and PayFi solution that aims to bridge [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) and real-world transactions by enabling [crypto](https://iq.wiki/wiki/cryptocurrency) payments using existing QR codes. It seeks to allow users to pay with [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) at merchants that use [fiat](https://iq.wiki/wiki/fiat-money)-currency payment QR codes, with the merchants receiving payment in regular bank money. [\[1\]](#cite-id-VpOq3bDkjN)

## Overview

![](https://ipfs.everipedia.org/ipfs/QmUYbXozKAouxGt4mNd7DDGw9DcCJjBXzZFw9vw8mPZx2D)

Terminus Network is a platform that bridges [Web3](https://iq.wiki/wiki/web3) technology with real-world commerce. It began as a payment network that connects merchants and consumers, enabling real-world transactions through [blockchain](https://iq.wiki/wiki/blockchain) infrastructure. Over time, its focus expanded to integrating tokenomics into traditional business models. [\[4\]](#cite-id-lrECqZGupa)

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](https://iq.wiki/wiki/cryptocurrency) while merchants continue to receive payments in [fiat](https://iq.wiki/wiki/fiat-money) currency. This allows [crypto](https://iq.wiki/wiki/cryptocurrency) 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](https://iq.wiki/wiki/cryptocurrency) acceptance. Settlements occur normally, making the process simple and compatible with existing operations. [\[5\]](#cite-id-JbJdoMdNDD)

### Technology

Terminus supports all major tokens including USDT, USDC, ETH, SOL, TON, BNB across major blockchains like [Solana](https://iq.wiki/wiki/solana), [Ethereum](https://iq.wiki/wiki/ethereum), Tron and Binance Smart Chain. Users can connect both non-custodial wallets (MetaMask, [Trust Wallet](https://iq.wiki/wiki/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

![](https://ipfs.everipedia.org/ipfs/QmS7DrAEGTzPSXvAQWrz1eTjQQEUKwL3ZBUa4Nskkh7172)

The Terminus Payment Association is a collaborative initiative formed to support the integration of [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) payments into real-world systems. It includes participants from both the [blockchain](https://iq.wiki/wiki/blockchain) and traditional finance sectors. Key founding members are Terminus, [BNB Chain](https://iq.wiki/wiki/binance-smart-chain), AEON, and [Alchemy Pay](https://iq.wiki/wiki/alchemy-pay). The association brings together infrastructure providers and stakeholders to help bridge digital and fiat payment systems. [\[5\]](#cite-id-JbJdoMdNDD) [\[6\]](#cite-id-Rxl4H9hAjT) [\[7\]](#cite-id-7uWeOEqsBw)

### Other Partnerships

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