Unsal Koc, CEOMiracle Pay, a next‑generation crypto payments platform, is built around a deliberate constraint—crypto payments must deliver the same operational certainty merchants expect from traditional rails, with known prices at checkout. Predictable settlement, clean reconciliation and no guesswork.
Meeting that standard requires treating crypto adoption as a design challenge rather than a technology deployment.
Which merchant acceptance capabilities does Miracle Pay enable through existing point-of-sale infrastructure?
The platform lets merchants accept Bitcoin, Ethereum and SOL through their existing point-of-sale (POS) infrastructure, including widely deployed terminal ecosystems such as Ingenico and PAX: no specialised hardware, no staff retraining, no complicated dashboards. A customer wants to pay with crypto; the merchant enters the amount, a dynamic QR code appears on the screen, the customer scans it with their preferred wallet and confirms. The blockchain transaction executes while the merchant receives payment in whichever currency they've configured, whether that's the original cryptocurrency or local fiat.
"We behave like a normal payment rail," says CEO Unsal Koc. "The technology needs to be invisible. If merchants have to think about blockchain, we've already lost."
That invisibility requires serious infrastructure underneath. Miracle Pay splits the payment process into three distinct layers: the customer-facing checkout, transaction orchestration and regulated settlement rails. This separation means the platform can adapt to different regulatory environments without forcing merchants into a one-size-fits-all model. A retailer in Berlin might want fiat settlement for accounting consistency; a tech shop in Bucharest might prefer crypto deposited directly to their own wallet. The checkout experience remains consistent; the settlement path varies by merchant preference and jurisdictional requirements.
By what mechanisms does Miracle Pay deliver rate certainty during blockchain payment execution?
Miracle Pay generates a signed, time-bound payment request and pulls a live quote from pricing sources. The rate locks at the moment of payment. Risk controls such as expiry windows, amount limits and slippage protections reduce execution risk during blockchain confirmation. The platform monitors each transaction through required confirmation states and ties the checkout event to the on-chain record and final settlement outcome for reconciliation. This removes volatility exposure and pricing drift from merchant operations.
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We behave like a normal payment rail. The technology needs to be invisible. If merchants have to think about blockchain, we’ve already lost.
Fiat settlement, when selected, is handled through regulated partners that execute crypto-to-fiat conversion and fiat payout within appropriate licensed perimeters. Depending on the corridor, custody may be managed under a partner-custody model to meet local requirements, while other corridors support merchant-controlled wallet settlement. Regulated activities, custody, conversion and banking payouts remain inside licensed boundaries. Miracle Pay orchestrates the payment experience, POS integration, operational monitoring and end-to-end reconciliation.
Compliance is architected from the start. Merchant onboarding workflows support KYB and KYC where required, along with sanctions and watchlist screening and ongoing monitoring aligned to local expectations. Controls scale with volume, so growth from dozens of transactions to thousands doesn't require redesigning governance.
Security protects the whole lifecycle, as signed, time-bound payment requests reduce tampering and replay risk. Real-time anomaly detection looks for velocity spikes, pattern shifts and high-risk assets or geographies. Rate-lock windows, slippage controls and timeouts limit volatility manipulation during execution. Customer data is minimised, encrypted in transit and at rest, governed by strict key management and least-privilege access and shared only when required for regulated checks and settlement.
Scale in payments depends on more than software. Terminal and technology partnerships drive real-world volume by integrating crypto acceptance into existing POS ecosystems, avoiding hardware replacement and supporting multi-region expansion. Regulated conversion partners provide compliant rails for fiat settlement, enabling faster market entry than direct bank-by-bank integrations.
Where is Miracle Pay being deployed to validate crypto payments as compliant commerce infrastructure?
Miracle Pay is being deployed across a new international airport ecosystem in Romania, connected to discussions with Jetstream, an investor consortium involved in development and operations. The goal is to position Miracle Pay as an official payment rail across eligible airport merchants—duty-free, food and beverage, parking, lounges and select retail partners. Airport commerce raises stakes for uptime, auditability and compliance, making it a proving ground for crypto acceptance that behaves like infrastructure rather than novelty.
What makes this possible is a team fluent in both blockchain engineering and payments operations. Technical depth informs network selection, confirmation policies and secure execution. Payment fluency adds discipline around limits, reconciliation and operational playbooks. MetaTerra Advisory Board oversight, drawing on experience across Wall Street, cross-border trade and economic policy, helps evaluate initiatives for regulatory viability and scalable deployment.
The broader vision extends beyond Miracle Pay itself. It's part of MetaTerra, an ecosystem emphasising security and platform integrity. The goal: give merchants, enterprises and regulators confidence that the platform operates with seriousness, not hype.
Crypto payments won't be defined by blockchain speed. Durable adoption will depend on whether digital assets meet commerce standards: rate certainty at checkout, predictable settlement outcomes and reconciliation that finance teams can defend. Miracle Pay is building toward that standard, payments that work, settle with defined outcomes and require no special consideration—just another way to get paid.
