Crypto-adjacent businesses
On-ramps and Web3 commerce banks still treat as radioactive.
Fiat on-ramps, exchanges, NFT marketplaces, and Web3 services face the strictest underwriting of any vertical. Instant, irreversible fulfillment against reversible card payments is the core tension — and it's exactly the mismatch acquirers refuse to hold.
Irreversible
Fulfillment vs reversible cards
Velocity
Funding spikes spread across MIDs
AML-ready
Canonical record for scrutiny
Why you get flagged
Normal for the vertical. Anomalous to the model.
These are the patterns generic risk engines punish — even though every one of them is standard operating procedure for crypto-adjacent merchants.
Irreversible fulfillment
Crypto delivered instantly against a chargeback-eligible card is a one-way risk banks price as near-uninsurable.
High-velocity funding
Users funding accounts rapidly to catch a market move fingerprints as card testing to a generic velocity model.
AML / KYC scrutiny
Money-transmission overlays mean any anomalous pattern is treated as a laundering signal, not a growth spike.
How NeverDown helps
Routing built for how crypto-adjacent actually operates.
We sit above the processors you already hold and keep you live through the flags, freezes, and terminations this vertical sees more than any other.
Route around exchange-hostile banks
We keep you live across the few crypto-tolerant accounts available so one exit doesn't shut off fiat on-ramping entirely.
Absorb funding velocity
Bursts of rapid account funding distribute across MIDs so legitimate market-driven spikes don't trip a single processor.
Ledger built for scrutiny
A canonical transaction record supports the AML/KYC documentation regulators and acquirers demand of the vertical.
Stop betting your revenue on one processor.
Bring the accounts you already hold. We'll route across them, keep an independent record, and keep you processing through the next termination event.
V1 onboarding · Stripe, Authorize.net, NMI, Maverick Bancard