Payment Gateway Layer

Bridges Web2 cards, QR codes, and Web3 assets.

Spendler integrates with:

• Web2 card issuers (Visa, MasterCard, etc.)

• POS terminals (via QR/NFC-based systems)

• Crypto wallets and decentralized payment protocols

It supports:

• Real-time crypto → fiat conversion

• Stablecoin or SPDL payment routing

• Fiat-to-token swaps for top-ups

The gateway layer ensures that users can pay anywhere, with any method — while the AI decides what’s best.