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Encryption system for cryptopayment gateways

The advantages of using a crypto gateway are low payment costs (up to 80% less than for fiat payments), transparency, security (no risk of card fraud), and the absence of chargebacks or rolling reserve requirements.

The Payment integral (Pi) is an algorithm for making payments in p2p, p2b and b2b. This solution allows you to transfer assets from a crypto wallet to a card. It also allows you to transfer crypto assets on a point-to-point basis through the use of your own cryptocurrency and information transfer algorithm, the so-called payment integral.
This algorithm is based on creation of an audio or graphic file which can be listened or read by a camera or graphics program. The use of this algorithm also allows you to create wallets and transfer crypto assets from wallet to wallet with transaction costs close to zero. The Pi will allow you to make a crypto exchange which works with various cryptocurrencies. In addition, this algorithm can be used to verify an electronic signature. On the basis of the Payment Integral algorithm, you can create a depository of non-exchange non-public assets, to verify shares and bonds, and to verify their transfer.

The Pi algorithm allows you to confirm both the presence of crypto assets and the availability of funds outside the blockchain environment. It will help you to create a secured lending mechanism in both DeFi and fiat money environments without violating business and legal restrictions, such as GDPR.

The Credit trust algorithm (CRTR) allows you to transfer any monetary, financial, crypto-asset, and, in principle, any asset using a machine-readable power of attorney from one person to another or from organization to organization. Thus, in this created container there will be a complete set which includes the currency or asset itself, the transfer mechanism and asset ownership rights.
Thus, this container will be accepted by everyone who agrees with the consensus on which this algorithm is built.