- Platform: Ethereum
- Accepting: Ethereum , BTC
Graft is a global, open-sourced, blockchain-based, decentralized payment gateway and processing platform that anyone can use. Any buyer and merchant can use Graft in a completely decentralized and inexpensive way.
Graft ecosystem is open, so anyone can participate by maintaining Graft blockchain and implementing network services. Graft employs payment processing protocols and flows similar to traditional electronic payment systems such as credit, debit, and prepaid cards, which are already familiar to and trusted by millions of users and merchants around the world.
This approach enables easier and faster adoption of Graft as a mainstream payment platform, while eliminating the need for centralized intermediaries (payment gateways and processors) currently required to facilitate transactions between buyers and merchants.
Most merchants are unable to accept cryptocurrencies without a third-party payment processor due to the uniqueness of the way blockchain networks process transactions, which is conceptually different from traditional electronic payment methods such as payment cards or Paypal. The overall concept of plastic card payments has become outdated, although the technologies developed around them have accumulated an enormous amount of merchant experience and user trust which cannot be abandoned overnight
In order to provide the best user experience for buyers and better conversion rates to merchants, Graft payment transactions can take various convertible cryptocurrencies or local fiat currencies in a form of credit/debit card as an input. Automatic instant conversions will help in the adoption of Graft payments by mainstream users who are not familiar with cryptocurrency ecosystems or those who still feel more comfortable with traditional method of payment, but seek better security, privacy, and full anonymity in their transactions
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