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Payment Models

HashNut supports three distinct payment infrastructure models, each designed for different use cases and security requirements.

Overview​

DeFi Mode​

Fully decentralized, managed entirely on smart contracts.

Characteristics​

  • ✅ Maximum Security: Funds held in audited smart contracts
  • ✅ Complete Autonomy: No reliance on centralized infrastructure
  • ✅ Multi-Party Support: Built-in fee splitting capabilities
  • ✅ On-Chain Management: All operations verifiable on blockchain

How It Works​

Use Cases​

  • High-Value Transactions: Maximum security for large payments
  • Multi-Party Payments: Split payments between multiple recipients
  • Transparency Requirements: Need for fully on-chain verification
  • DeFi Integration: Integration with other DeFi protocols

Features​

  • Smart contract-based payment splitting
  • Multi-party fee distribution
  • On-chain fund management
  • Automatic address pool management
  • Transparent fee calculation

CeFi Mode​

Use your own wallets with direct control over funds.

Characteristics​

  • ✅ Direct Control: Funds sent directly to your wallet
  • ✅ Simplified Management: No aggregation needed
  • ✅ Enterprise Support: Infrastructure support with wallet control
  • ✅ Fast Withdrawals: Immediate access to funds

How It Works​

Use Cases​

  • Simple Integrations: Straightforward payment flows
  • Direct Wallet Control: Merchants who want immediate access
  • Low-Volume Merchants: Don't need complex fund management
  • Custom Wallet Solutions: Integration with existing wallet infrastructure

Features​

  • Direct wallet integration
  • Custom withdrawal addresses
  • Simplified fund management
  • No aggregation required
  • Immediate fund access

UniFi Mode (Legacy)​

Legacy version with full customization options.

Characteristics​

  • ⚠️ Legacy Support: For existing integrations
  • ⚠️ Full Customization: Maximum flexibility
  • ⚠️ Migration Path: Transition to DeFi/CeFi recommended

Use Cases​

  • Existing Integrations: Maintaining compatibility
  • Custom Requirements: Unique payment flows
  • Migration Period: Transitioning to newer modes

Features​

  • Complete customization
  • Legacy system compatibility
  • Flexible configuration options
  • Full API access

Comparison Matrix​

FeatureDeFi ModeCeFi ModeUniFi Mode
Security⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐
Decentralization⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐
Ease of Use⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐
Flexibility⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐
Multi-Party Support✅❌⚠️
On-Chain Verification✅✅⚠️
Direct Wallet Control❌✅⚠️
Recommended ForHigh-value, DeFiSimple, directLegacy systems

Choosing the Right Model​

Choose DeFi Mode If:​

  • You need maximum security and decentralization
  • You're processing high-value transactions
  • You need multi-party payment splitting
  • You want full on-chain verification
  • You're building DeFi integrations

Choose CeFi Mode If:​

  • You want direct wallet control
  • You prefer simplified fund management
  • You need immediate fund access
  • You're building simple payment flows
  • You want enterprise infrastructure support

Choose UniFi Mode If:​

  • You have existing integrations
  • You need legacy compatibility
  • You're migrating from older systems
  • You require maximum customization

Migration Between Modes​

Note: Migration between modes may require:

  • Account reconfiguration
  • Smart contract redeployment (for DeFi)
  • API integration updates
  • Testing and validation

Next Steps​

Ready to choose? Start with Account Creation →