For decades, moving money between businesses has meant a bank transfer. The method works, but it carries costs and delays that have not changed much in a generation: multi-day settlement, fees that stack up across intermediaries, and rails that close on evenings and weekends.

Blockchain networks are not all open in the same way. Some are public: anyone can view the ledger, create a wallet, send transactions, or build applications without asking a central operator for permission.

An embedded payments system lets users pay, receive, exchange, or move value without leaving the product they are already using. A buyer checks out, a seller gets paid, a user buys crypto, or a platform triggers a payout. The complexity sits underneath the interface.

Tokenised payments replace something valuable in a transaction, whether a card number, a bank account, or an asset, with a digital stand-in called a token. The token behaves like the original during a payment but reveals nothing useful if it is intercepted, and in some cases it carries value of its own.