Replace legacy payment rails with instant digital asset transfers. 0% transaction fees, USDC-backed stability, and a drop-in API for your existing payment workflow.
Every swipe, every transfer, every settlement — traditional payment rails extract a fee. That's money out of your business on every single transaction.
Every token transfer on MooChedda is completely free. No per-transaction fees, no monthly minimums, no surprises. Keep every dollar you earn.
Payments settle in the next block — typically under a second. No waiting for batch processing, clearing windows, or next-business-day finality.
Deposit via ACH or wire transfer. Every USDC token is backed by one U.S. dollar held in a fully reserved treasury account. Redeem any time.
Generate QR-code payment invoices in milliseconds. Customers scan and pay — your backend receives a webhook the moment payment confirms on-chain.
BIP39 mnemonic wallets give users full ownership of their keys. No custodial risk, no frozen accounts. Import or export your wallet any time.
Transactions broadcast across a WebSocket peer network. No single point of failure, no central server to go down. Resilient by design.
Generate a BIP39 self-custody wallet in seconds. Download your backup file and you're fully set up — no KYC required to start.
Send USD from your bank account using the on-screen routing and account details. Funds arrive as USDC — 1:1, zero fees deducted.
Transfer tokens to any wallet address instantly, generate merchant invoices, or integrate the REST API into your existing checkout flow.
Every card transaction costs you 2.9% + $0.30. On $100,000 in monthly revenue that's $3,200 out the door — every month, forever. MooChedda transfers settle at 0%, instantly, with no chargebacks.
Every token transfer is completely free. Keep 100% of what your customers pay.
Funds land in your wallet in the next block — no T+2 waiting, no clearing windows.
Blockchain transfers are final and irreversible. No dispute windows, no reversal risk.
Receive instant server-side confirmation the moment a payment confirms on-chain.
Generate a payment page in one API call. Customers scan and pay from any MooChedda wallet.
Add MooChedda as an option at checkout without removing your existing payment methods.
MooChedda is not a wrapper around a third-party blockchain. We run our own custom-built chain engineered for payment-grade throughput and institutional security standards.
High-performance async event loop handles thousands of concurrent connections. REST API with rate limiting, CORS, HSTS, and anti-replay protection out of the box.
Every transaction is signed with the same elliptic curve used by Bitcoin and Ethereum, via the independently audited @noble/curves library. Each signed transfer can be applied exactly once.
Industry-standard 12-word seed phrases for deterministic key derivation. Users hold their own private keys — no custodial risk, no account freezes.
Each block is SHA-256 hashed and chained to the previous. The full chain is persisted in LevelDB for fast key-value lookups and immutable audit trails.
Nodes form a mesh network over WSS. New transactions and blocks broadcast to all peers in real time. Ed25519 node identity keys authenticate inter-node connections.
HSTS, content-security headers, nonce-based anti-replay protection, per-IP rate limiting, server source never served to browsers, and a hash-chained audit log on every sensitive operation.
Pedersen commitments, 64-bit range proofs, MLSAG ring signatures with key images, and one-time stealth addresses on the prime-order ristretto255 group — no trusted setup. Shielded pool in pilot pending independent audit.
AES-256-GCM on every stored value — ledger, balances, orders and credentials — with authenticated decryption so tampered data is rejected. The key never leaves your environment.
Every transaction cryptographically signed. Unauthorized transfers are mathematically impossible.
Nonce-based request signing prevents replay attacks with configurable clock-skew tolerance.
Every admin action appended to a tamper-evident audit log. Full export and retention controls.
USDC is backed 1:1 by USD held in a designated bank account. Redemptions always available.
Large transfers, disclosures and auditor access need two approvers — never the person who asked.
Ledger and customer data encrypted with AES-256-GCM under keys you control.
A signed transfer is applied once. Duplicates and stale signatures are rejected.
Checkout invoices show the merchant's registered name, so customers know who they're paying.
MooChedda is a digital currency platform you run on your own infrastructure. It combines instant settlement with the controls a regulated institution needs: approval workflows, programmable compliance, privacy that regulators can still audit, and data residency by jurisdiction. Issue a tokenized deposit, a stablecoin or a wholesale settlement token — and migrate at your own pace.
Run the two-tier model central banks use. Wholesale-tier tokens only move between approved institutional participants on your allowlist, and can't be moved into private pools. Retail tokens serve customers and merchants.
Configurable approval thresholds, dual approval above a second threshold, hard limits, and mandatory operator IDs, reason codes and change tickets. Default policy: approval from $250K, dual approval from $1M, hard limit $25M.
Settlement rules evaluate every transfer, swap, purchase and mint: allow, block, or hold for human approval. Rules can require verified credentials — for example, block any transfer to a recipient without a KYC claim.
Balances and counterparties are hidden from the public. Customers unlock their own data by signing with their key. Auditors receive scoped, read-only viewing keys — limited to specific accounts and dates, dual-approved, revocable, and audit-logged.
The ledger database, credential store and backups are encrypted with AES-256-GCM under a key you control. A node with a missing or wrong key refuses to start rather than risk overwriting data.
Approved issuers — your KYC provider, a fund administrator — attest facts about a wallet. Payments and rules can require them, and customers can prove "KYC verified" or "resident in CH" to a third party without handing over the underlying data.
An opt-in shielded pool where amounts, senders and recipients are hidden from validators, who still verify every transfer mathematically. Fees are paid privately. Account holders can share a view key with their auditor. Enabled network-wide after independent audit.
Prove "net worth ≥ $1M" or "jurisdiction is one of CH, DE" without revealing the number or the country. Anyone can verify the proof with the issuer's public key alone — no trust in MooChedda required.
Bridges to EVM chains and Cardano. Every inbound release is verified on the foreign chain first; outbound mints can't be duplicated, even across crashes and retries; refunds are blocked while a mint could still land.
| Requirement | How MooChedda meets it | Status |
|---|---|---|
| Control of infrastructure and data | Self-hosted nodes on your servers or cloud tenancy; Docker, systemd and PM2 templates; no dependency on a public network. | Available |
| Data residency by jurisdiction | Sovereignty router assigns each operation a legal jurisdiction and residency zone (e.g. Swiss FADP or US federal) with a defined failover path. | Available |
| Separation of duties | Dual approval for large transfers, disclosures and auditor keys; a requester can never approve their own request; operator IDs, reason codes and change tickets. | Available |
| Complete, tamper-evident records | Hash-chained audit log of every sensitive action, with verification, archiving and retention tooling. | Available |
| KYC / AML controls | Settlement rules with verified-credential checks; transfers can be blocked or held for approval; institutional allowlist for wholesale tokens. | Available |
| Customer privacy (GDPR-style) | Public API redacts balances and counterparties; encryption at rest; customers unlock their own data by key signature. | Available |
| Regulator and auditor access | Scoped, time-limited, revocable viewing keys; dual-approved emergency disclosure; access is audit-logged. | Available |
| Settlement finality | Instant, final blocks; permissioned validator federation with signed attestations and quorum. | Available |
| Transaction integrity | Every transfer signed with secp256k1; each signed transfer can be applied exactly once (replay-proof), and signatures expire after 10 minutes. | Available |
| Key management | Custody adapters separate signing from the application: a local key, or an external HSM or MPC custody service; bridge relayer keys designed for KMS/HSM. | Available |
| Fiat on/off-ramps | ACH and wire deposit instructions, automated bank-feed reconciliation, card on-ramp, and merchant checkout with signed webhooks. | Available |
| Confidentiality between institutions | Shielded pool hides amounts and counterparties from validators while remaining verifiable. | Pilot |
| Selective disclosure without data sharing | Zero-knowledge credential proofs verifiable with the issuer's key alone. | Pilot |
| Connection to other networks | EVM and Cardano bridges with on-chain verification of every release. | Pilot |
Each phase runs alongside your existing core banking system and can be reviewed by risk, compliance and your regulator before the next begins.
Stand up a private node in your environment and map your policies onto it.
Settle between a small group of approved institutions using a wholesale-tier token.
Open wallets to customers and payments to merchants, with fiat rails connected.
Extend across regions and networks as volumes and requirements grow.
Nodes run in your data centres or private cloud. You hold the encryption keys, the node identity keys and the data.
Validators across data centres or partner institutions, with signed block attestations and a configurable quorum.
Wallets, merchant portal and payment pages can be deployed under your name and domain.
We label features by readiness so your risk team can plan around facts. Architecture and security documentation is available under NDA.
Standard JSON endpoints that work with any stack — Node, Python, PHP, Ruby, Go. secp256k1 client-side signing keeps your private key off the wire.
// 0% fee transfer in ~10 lines const timestamp = Date.now(); const sig = await signPayload( privateKey, from, to, amount, 'USDC', timestamp ); await fetch('/token/transfer', { method: 'POST', body: JSON.stringify({ fromAddress: from, toAddress: to, amount, tokenSymbol: 'USDC', timestamp, signature: sig }) });
MooChedda earns through the token ecosystem — not by taxing every payment you make.
"We were paying $4,200 a month in Stripe fees on $140K in revenue. MooChedda brought that to zero overnight. The API swap took one afternoon."
"Instant settlement changed our cash flow completely. We used to float 3 days of receivables — now USDC hits our wallet the second a customer pays."
"The developer docs are some of the cleanest I've seen. We had invoice generation and webhook confirmation running in production within a day."