Payments
How MiFinity is wired into the platform
Fiat payments and e-wallet. MiFinity is the fiat side of the hybrid wallet that sits beside crypto in one reconciled ledger.
- What the connection carries
- 3 capabilities, listed in full below
- Who owns what
- Scalara owns the integration and the record it writes. MiFinity owns its own service, under its own terms.
What the integration covers
The capabilities this connection actually carries. Anything MiFinity sells that is not on this list is not part of what you get here.
Fiat deposits into the player wallet
Payments land in the same ledger as crypto, so a brand keeps one set of books rather than two.
E-wallet payouts
Withdrawals are released through the same reviewed queue as every other payout.
Compliance gated movement
The wallet checks the player's compliance standing before a fiat transaction is allowed to proceed.
MiFinity is a payments business with an e-wallet. It moves conventional money: card and bank funded deposits into a player balance, and payouts back out again.
Inside Scalara
MiFinity is the fiat half of the hybrid wallet. Crypto arrives through a separate rail, but both land in the same reconciled ledger, against the same player, under the same compliance gate. That is the part worth being precise about. The wallet asks the compliance layer about the player before it allows a fiat transaction to move, exactly as it does for a crypto transaction, so a player who has not cleared the tier required for a withdrawal does not get one because they happened to use a different payment method. Real, bonus and locked balances stay separate inside the ledger and are reported separately, which is what makes a month end figure something you can hand to an accountant.
The problem it removes
The usual arrangement is one processor for cards, another for crypto, and a spreadsheet in the middle that somebody maintains. Two systems mean two sets of totals that never quite agree, two reconciliation jobs, and two different answers to the question of what a player is actually allowed to do. Bringing both rails into one ledger removes the spreadsheet and the argument.
What stays with you
The commercial terms with the payment provider are yours to negotiate, and the processing fees they charge sit outside the Scalara fee. Which methods you offer, in which markets, and what your payout policy is remain operator decisions. Payment onboarding is also one of the things that decides when you can actually trade, which is why we sequence it with you rather than treating provisioning and trading as the same clock.
Where it sits on the platform
It powers wallet and payments and is checked by compliance and audit.
Questions about MiFinity
Fiat through MiFinity and crypto through NOWPayments, with both landing in the same reconciled ledger, against the same player, under the same compliance gate.
Which specific methods and assets you offer, and in which markets, is decided with you rather than assumed, because it depends on your licence and on each provider's own coverage. Payment onboarding also helps determine when you can trade, so we start it early and report on it honestly.
On the Turnkey Platform route you keep your own payment relationships, because you hold the licence and the operation. On White Label, payments run through the orchestration that sits under our licence, which is part of what the route provides.
If you have an existing provider you need to keep, raise it in discovery. The answer depends on the route, the market and the provider, and we would rather scope it properly than agree in principle and renegotiate later.
See it running against your own operation
Commercial terms and jurisdictional availability are assessed with you during discovery.
