Ju.com One-Click Payments, Connecting the Global Crypto Lifestyle

From wallet to account, from on-chain to real-world, one click is all it takes.

You have USDT in your wallet and want to place an order on an overseas website, but the checkout page only accepts credit cards. You made a profit in your Hong Kong stock account and want to transfer it to your crypto wallet, only to go through the hassle of currency exchange and deposit again. Assets are split across three systems: banks, wallets, brokers. You can earn, but can’t spend. What Ju.com does is connect these isolated islands onto a single clearing line.

That line is JuPay. Ju.com’s PayFi infrastructure. It connects the fiat payment network and on-chain settlement system under the same underlying logic. From scanning to swiping, from transaction to account, every settlement is handled within JuPay.

Why Is Payment So Difficult?

Traditional payment networks like Visa, MasterCard, and bank transfers do not accept cryptocurrency. Their systems are built on fiat and must comply with regulations, KYC, and AML requirements—thus, they inherently reject the anonymous nature of blockchain assets. Meanwhile, crypto payment tools like Binance Pay, Coinbase Wallet, or MetaMask only circulate within the Web3 circle. You can transfer USDT to another crypto user, but can’t use it to shop on Amazon, buy coffee at Starbucks, or book hotels on Booking.com.

Cross-border payments are even worse. Bank wires are slow, expensive, non-transparent on FX rates, and subject to capital controls. Crypto transfers are fast, but for the receiver, how to cash out, report taxes, and comply with regulations is a headache. These systems are isolated, forcing users to switch, reconcile, and wait across platforms. Often, your funds spend more time “in transit” than in your hands.

Ju.com’s Solution: Dual-Settlement PayFi System

JuPay is Ju.com’s core clearing system and the backbone of the entire PayFi architecture. It allows both fiat and on-chain paths to share the same clearing system. No more “convert to fiat first, then pay” or “convert to crypto first, then transfer”—the system will automatically select the optimal route.

User Perspective: Pay in Seconds with a QR Code

Imagine shopping at a convenience store in Singapore and scanning a JuPay QR code. The payment page pops up with the total price—15 SGD. You can choose to pay by credit card (via Visa) or with USDT, JU, BTC, and other crypto assets. Select USDT and tap confirm—within seconds, the transaction is complete, your receipt prints, and you walk out.

The whole process feels as natural as using Alipay: “scan—choose currency—confirm.” In reality, the system fetches real-time USDT/SGD rates and locks the price to avoid FX swings, then deducts USDT from your wallet, settles the equivalent SGD to the merchant through JuPay, and generates a complete transaction record for both parties. The merchant receives SGD; you pay with USDT. The exchange, settlement, and reconciliation all happen automatically behind the scenes.

Merchant Perspective: One Backend to Manage All Payments

For merchants, JuPay lets you manage all currencies in a single backend. Whether orders come from in-store QR scanning or online payments, the dashboard shows daily transactions, currencies, amounts, and settlement cycles. Settlement periods are customizable: choose instant settlement for faster funds or delayed settlement for lower fees. The system automatically alerts on excessive FX swings and flags abnormal orders, like failed payments, refunds, or suspicious activity.

Chain stores can set different permissions for each outlet, manage accounts and cash flow centrally. Risk controls are built in: large transactions get automatic alerts; suspicious IPs are blocked. All data is handled in a closed-loop system, no need to reconcile or sync between multiple platforms.

Technical Layer: Integrating Fiat and On-Chain Channels

JuPay’s key innovation is allowing fiat and on-chain channels to run in parallel within a unified settlement architecture. The fiat channel connects Visa, MasterCard, and banking systems, supporting credit cards, debit cards, and bank transfers—using a regulated, centralized settlement path with full KYC and AML. The on-chain channel connects JuChain and other major public chains, supporting USDT, BTC, ETH, JU, AIC, and more, providing real-time arrival and on-chain transparency in a decentralized way.

The system’s smart routing layer determines the optimal channel or even combines both, based on your payment choice. For example, if you pay in USDT and the merchant wants fiat, the system handles the swap in the middle. The FX engine fetches quotes from multiple liquidity providers to give the best rate. If volatility exceeds the set threshold, the system pauses and notifies you to avoid slippage. Every transaction generates a complete, auditable record—for tax reporting and compliance needs.

JuPay’s core value is that regardless of which asset users pay with and which asset merchants receive, all the complexity is handled by the system. What both parties see is a simple, instant transaction—with no delay.

JuCard: Bring Crypto Assets to Your Credit Card

JuCard is built on top of the JuPay clearing layer, solving the “card payment” scenario. If JuPay is the payment engine, then JuCard is its credit card extension. It’s a physical or virtual Visa/MasterCard, but the funding source isn’t your bank account—it’s your Ju.com wallet.

Hold USDT, JU, and other assets in your Ju.com wallet, bind a JuCard, and when you swipe the card, the system automatically deducts from your wallet and converts to the fiat currency the merchant requests. Merchants see a standard Visa/MasterCard transaction, completely unaware that crypto was used behind the scenes. This means you can shop on Amazon, book hotels on Booking.com, hail an Uber, or pay at any POS terminal worldwide.

Compared to other crypto cards like Binance Card or Crypto.com Card, JuCard offers broader coverage—not just major coins, but also meme coins, niche tokens, and RWA assets. For example, Hong Kong stocks staked via xBrokers can be spent with JuCard. JuCard is deeply integrated with the Ju.com ecosystem—your stock trading profits, staking rewards, or trading earnings can be directly used for payments and purchases.

Unlike traditional bank cards, JuCard spends directly from your wallet balance, no need to withdraw to a bank or manually exchange currency. The system handles all conversions automatically and compliantly. Swipe in Japan, and USDT is auto-converted to JPY from your wallet—instant and transparent, with no need to pre-exchange funds.

From Stocks to Account, One-Click to Wallet

Through the integrated clearing channel of xBrokers and JuPay, users can directly transfer Hong Kong or US stock profits into their crypto wallet—no manual withdrawal, no currency exchange, no waiting for bank settlements. JuPay handles FX conversion and cross-border clearing automatically, allowing traditional and crypto assets to flow naturally in the same account for the first time.

Supported Coins and Use Cases

JuPay supports major stablecoins like USDT and USDC, leading cryptocurrencies like BTC and ETH, ecosystem tokens like JU and AIC, and over 200 other tokens. Users can pay in convenience stores, restaurants, or e-commerce sites with QR codes, as well as cross-border transfers with real-time settlement and transparent fees. JuPay also supports daily utilities like mobile top-up, hotel and flight booking (via JuLife), and Ju.com’s own mall and services.

JuPay isn’t just a standalone payment tool; it’s tightly integrated with the whole Ju.com ecosystem. Your Hong Kong stock profits can be used directly via JuPay, staked stock rewards can be spent with JuCard, and trading earnings can flow instantly into JuPay for payment. This seamless asset movement across different scenarios is unmatched by any other payment tool.

Underlying Tech: JuChain Infrastructure

JuPay’s fast settlement is powered by JuChain, Ju.com’s high-performance, self-developed L1 blockchain. JuChain delivers second-level block times, millions of on-chain addresses, and tens of thousands of TPS concurrency—enough to meet global-scale payment needs.

When you scan to pay with JuPay via on-chain, transaction confirmation is near-instant. JuChain’s deep integration with JuPay gives payment transactions priority packaging; gas fees can be paid in JU with discounts, and all reconciliation records are automatically on-chain—tamper-proof and traceable.

Making Payment the Universal Language of Blockchain

Web3’s vision is the free flow of value, but if your assets only move on-chain and not in daily life, that vision is meaningless. The mission of JuPay and JuCard is to bring on-chain assets into real-world spending, so users don’t have to choose between holding crypto and living normally—or constantly shuttle funds between banks and exchanges.

Scan. Point. Click. Trade. That’s JuPay, making “Point. Click. Trade.” a daily way of life.

From wallet to account, from on-chain to real life, one click is all it takes.