Local2Coin
Cards & Local Payments settled in Bitcoin and Stablecoins
Local2Coin
Local2Coin started as a personal infrastructure project to solve one problem: operators need payment infrastructure before they have the corporate, banking, and compliance structure that traditional processors require.
It is built on software we both use and release.
The single-user layer is MIT licensed, self-hostable, and designed for complete user-friendly operation — without custodial intermediaries, without documentation requirements, without lock-in.
The multi-user layer extends the same foundation for B2B marketplace operators, self-custodial by design. Its commercial license funds the continued development of the open-source infrastructure it depends on.
Built on BTCPay Server, Aqua Wallet, Vue/Nuxt, and Invopop.
The problem
Traditional payment processors require documentation before a project is even validated:
- Company documents and operating history
- Transaction-flow explanations and source-of-funds evidence
- Proprietary APIs, custodial flows, and rules that can change without notice
This blocks early-stage products, AI agents, small operators, and lawful businesses that do not fit standard onboarding logic.
The solution
A product should use the same payment flows and API logic during development, testing, launch, and growth.
P2Pagos uses open modules with rails that can be activated or deactivated without rebuilding the product. Start with higher costs and slower settlement — improve rates, speed, and volume as the business proves demand.
Multi-rail with reduced false positives
A legitimate payment can fail for reasons outside the operator's control: false positive, unsupported country, processor risk score, card issuer rule, single provider restriction.
A single-rail architecture turns that failure into a lost sale.
A multi-rail architecture gives the operator another route. The goal is not to bypass controls — it is to avoid depending on one fragile provider, one bank, one country, or one settlement rail.
Documentation
For technical rails, wallet options, service modules, and architecture: