Merchant continuity
Keep settlement.
Lose the reserve.
A payment route for lawful, reserve-sensitive merchants such as licensed crop-protection suppliers, specialty chemical sellers, and other regulated businesses that traditional processors push into high-risk buckets.
Lawful high-riskUSDC to walletInvoices + API
Lawful merchants only. Subject to policy review.
Settlement route
Customer to merchant wallet
01
Order is created
Invoice, sales-assisted link, or direct API checkout.
02
Aelith reviews and routes
Policy, screening, and merchant controls stay in the loop.
03
Wallet settles
Merchant receives USDC directly.
0%
reserve held
USDC
settlement asset
Manual
merchant review
Why it fits
Direct settlement
USDC goes to your wallet instead of sitting in a reserve account.
Policy-led onboarding
Built for lawful, regulated, and reserve-sensitive categories that standard gateways often avoid.
Custom payment flows
Designed for invoices, sales-assisted links, distributor orders, and direct API checkout.
Sales-assisted linksInvoicesDistributor ordersDirect API
Short version
The payout model changes the pressure.
No processor-held rolling reserve.
Wallet-first settlement instead of processor custody.
Built for invoices, sales-assisted links, and direct API flows.
Signal
Traditional
Aelith
Merchant fit
Low-risk retail
Lawful regulated verticals
Rolling reserve
10 to 20% held
0% held
Funds custody
Processor-controlled
Merchant wallet
Checkout model
Template gateway
Invoices, links, API
Pricing
Underwritten onboarding for reserve-sensitive merchants.
Continuity review
Custom
Manual onboarding for lawful merchants in regulated or reserve-sensitive categories.
Settlement model
Direct
USDC settles to your wallet rather than sitting in a processor reserve balance.
Next step
Who is this for?
Lawful high-risk and regulated merchants, including licensed crop-protection, specialty chemical, and similar reserve-sensitive businesses.
How does onboarding work?
Continuity is positioned as a custom, sales-assisted payment flow built around invoices, links, and direct API checkout.
Does Aelith hold merchant funds?
No. Settlement is designed to go directly to the merchant wallet you configure.