The Infrastructure Layer for Fintech Ecosystems
Crocodile is a ready-to-use payment platform connecting digital assets, card networks, and global business logic. Build payment products, card programs, and financial services on foundational infrastructure.
What is Crocodile
Crocodile is payment infrastructure for companies working with cards, digital assets, and global money flows.
The platform forms a unified operational layer connecting:
- digital value sources
- payment cards
- fiat payment networks
- company business logic
Crocodile is used as foundational infrastructure that companies connect to via API and build their own payment products, card programs, and financial services on top of.
For Whom Crocodile is Designed
Crocodile is created for companies that build, manage or expand payment infrastructure.
Payment Services
Payment services and processing platforms
Fintech Products
Fintech products working with cards and accounts
Digital Assets
Crypto and digital asset infrastructure
Payroll Platforms
Payroll platforms and corporate payout systems
Hybrid Products
Products working at the intersection of cards, fiat and digital assets
Embedded Finance
Platforms and services embedding payment logic into own products
Crocodile is used as a base payment layer, to which companies connect via API and on which they build their own financial products, card programs and operational scenarios.
How It Works
In Crocodile's architecture, the card acts as an access interface.
Funds and payment logic are managed at the platform level.
Each transaction is processed at the moment of payment and goes through an automated decision-making process.
Card Network
Request enters the card network
Real-time Processing
Crocodile processes transaction in real-time
Auto Conversion
Value converted and debited from digital source
Merchant Payment
Fiat credited to merchant as standard card operation
For the merchant — it's a standard card payment.
For the partner — it's a managed and programmable payment flow.
The Crocodile architecture has undergone extensive test operation in a live payment environment in the UAE.
Live testing successfully validated the integrity of the payment logic, complex integrations, and high-performance real-time transactional decision-making.
Platform Capabilities
Crocodile provides infrastructure capabilities for:
Physical & Virtual Cards
Issuing physical and virtual cards
Branded Card Programs
Launching card programs under company brand
Payroll & Corporate Cards
Issuing payroll and corporate cards
Digital Assets as Funds
Using digital assets as a source of funds
Custom Rules & Limits
Setting up operation rules, limits, and debit scenarios
Multi-Jurisdiction
Operating across jurisdictions through unified payment infrastructure
The platform functions as an operational payment layer integrated into existing business models.
Key Use Cases
Payroll Cards and Payouts
Crocodile provides infrastructure for issuing and managing payroll and corporate cards.
The platform allows:
- Issue cards for employees and teams
- Make payroll payments in fiat using digital fund sources
- Centrally manage limits and fund usage rules
- Support distributed and international teams
Payroll payments are processed within Crocodile's unified payment architecture.
Corporate and Product Cards
Crocodile provides infrastructure for issuing and managing corporate and product cards.
The platform allows:
- Issuing cards for teams, products, and internal processes
- Managing expenses and fund usage scenarios
- Connecting cards to digital value sources
- Processing payments through a unified payment architecture
Cards function as an access interface to Crocodile's payment layer and are managed through a common architecture and API.
Strategic Partnership
Crocodile grows through strategic partnership with companies using the platform in their operational and product architecture.
Partner companies get access to Crocodile infrastructure at an early stage, priority integration terms and the opportunity to participate in the project as strategic participants.
The partnership format assumes a limited number of companies and long-term interaction focused on joint development of the payment layer.
Partnership built around:
Crocodile is being developed as a systemic payment layer designed for long-term operation, scaling, and integration into fintech ecosystems.
The platform is developed in partnership with companies for which payment infrastructure is a critically important part of their business.