Do you build open banking-ready APIs for New Zealand fintechs?

Yes, we build account and payment APIs designed to align with New Zealand's developing customer and product data-sharing standards as they roll out sector by sector.

Which cryptocurrencies can the gateway accept?

Bitcoin, Ethereum and major stablecoins by default; additional chains can be added based on your markets.

How long does integration take?

A standard stablecoin payment gateway typically takes 6–10 weeks depending on the number of chains and compliance checks.

Can this integrate with our existing checkout?

Yes, via REST APIs and webhooks designed to slot into existing checkout, ERP and accounting systems.

Is the gateway PCI-DSS aligned?

Where fiat rails are involved, we follow PCI-DSS-aligned handling practices and recommend a certified payment partner.

Payments · New Zealand

Crypto Payment Gateway & Stablecoin API Integration in New Zealand

Cross-border settlement through banks is slow and expensive. Hurain Technologies builds multi-chain crypto payment gateways and stablecoin APIs that let businesses accept Bitcoin, Ethereum, USDT, USDC and other digital currencies directly, settling in minutes instead of days with instant conversion and built-in AML screening. In New Zealand, that means building to the technical expectations of Asia-Pacific: New Zealand assesses crypto-asset activity under the existing Financial Markets Conduct Act rather than a dedicated crypto licensing regime, with the Financial Markets Authority (FMA) determining case by case whether a token or service is a regulated financial product.

Get a New Zealand Estimate View New Zealand Overview

New Zealand Regulatory Landscape

What crypto payment gateway buyers in New Zealand need to know

New Zealand assesses crypto-asset activity under the existing Financial Markets Conduct Act rather than a dedicated crypto licensing regime, with the Financial Markets Authority (FMA) determining case by case whether a token or service is a regulated financial product.
Payment system oversight and financial stability sit with the Reserve Bank of New Zealand (RBNZ).
Open banking-style data-sharing standards are developing under New Zealand's evolving customer and product data framework.
We build to current FMA and RBNZ expectations and flag classification-sensitive features for review by New Zealand legal counsel given the case-by-case approach.

This information is provided for general orientation only and is not legal or licensing advice. Always confirm current requirements with qualified local counsel.

The Challenge

Problems we see teams struggling with

Cross-border payment friction

Traditional wires are slow, expensive, and limited to banking-friendly markets.

Limited market access

Card and wire infrastructure doesn't reach unbanked regions where crypto provides a clear alternative.

No unified crypto/fiat checkout

Offering crypto alongside traditional payment methods requires disconnected integrations.

Compliance & settlement risk

Customer balances must be screened and settled reliably without custody overhead.

Volatility exposure from holding crypto

Businesses that don't convert incoming crypto to fiat quickly take on price risk they never intended to carry.

Reconciliation complexity across chains

Accepting payments across multiple blockchains without a unified settlement layer turns month-end reconciliation into a multi-system nightmare.

Our Approach

How we deliver crypto payment gateway in New Zealand

Multi-chain gateway

Accept Bitcoin, Ethereum, stablecoins across Ethereum, BNB Chain, Tron, Polygon and more from a single integration.

Stablecoin API

Purpose-built endpoints for USDT, USDC, PYUSD and DAI transfers with automatic fiat conversion.

Instant settlement

Real-time to daily batch settlement, configurable based on your treasury and liquidity needs.

AML/fraud screening

Every transaction screened against sanctions lists and on-chain risk signals before funds release.

Hosted checkout

Drop-in widgets, payment links and e-commerce plugins so you don't build UI from scratch.

Automatic volatility hedging

Configurable auto-conversion to fiat or stablecoin on receipt, so your business isn't carrying price risk on volatile assets it never intended to hold.

Technology

Tech stack we work with

Blockchains

BitcoinEthereumBNB ChainPolygonTronSolana

Stablecoins

USDTUSDCPYUSDDAI

Backend

Node.jsGoPostgreSQLKafka

Security

AML screeningSanctions listsOn-chain monitoring

FAQ

Crypto Payment Gateway in New Zealand — FAQ

We design token and platform architecture with clear documentation of the token's function and rights, which supports an FMA financial-product assessment, and we recommend confirming classification with New Zealand legal counsel before launch.