Introduction:

Cryptocurrencies were initially created as a tool for instant payouts without geographical restrictions or bank operating hours. However, when transferring business volumes to blockchain, large companies unexpectedly face delays: mining queues, slow off-chain processing, unsynchronized balances, and even manual "scoring pause" from compliance services.

We will delve into why this happens and show how the payment platform NORD PAY eliminates bottlenecks, providing nearly real-time settlements for clients and partners. Throughout the article, we will also address popular search queries like how to withdraw crypto to a card, what is AML, and track a bitcoin transaction — so you will have a ready-made checklist for your team.

Reasons for Delays:

1. Network Limitations:

Most public networks operate on the principle of minimum finality guarantee. Bitcoin requires 6 blocks, Ethereum — 12 or more. Until the transaction is confirmed, services are forced to "freeze" funds, while users anxiously refresh the blockchain explorer in search of the coveted confirmed.

• High-priority blockchain transactions are more expensive: higher fees reduce waiting time but impact cost-effectiveness.

• In mass payouts, delays increase dramatically: while the first batch is getting confirmed, the queue has time to get replenished with new requests.

2. Liquidity is Distributed:

• The company's wallet may be empty at the moment a payout request is received, and the liquidity provider exchange responds only through the API. Transfers from network to network can take minutes — which is critical if you are processing tens of thousands of transactions a day.

3. Human Factor:

• If your compliance procedures include manual AML verification free of charge, it does not work: a paid provider, a queue of tickets, and the risk of a "lazy" timeout, where an employee literally switched to a neighboring tab, are needed.

• Support staff also slow down the flow: they have to verify a bitcoin transaction, request TXID from the counterparty, and manually check statuses.

4. Regulatory Risks:

• Tighter rules (for example, a potential ban on cryptocurrencies in Russia) force businesses to keep reserves on exchanges with KYC or even in custodian banks. The withdrawal process takes longer, and some payment scenarios are completely "cut off".
  
  

How NORD PAY Solves the Problem:

Architecture at the Liquidity Hub Level:

• At the core of the platform is our own pool of addresses in BTC, ETH, Tron, BSC, and other networks, combined into a "single account". It is replenished by the Just-In-Time Liquidity algorithm: the system itself tracks the bitcoin transaction, sees it in the mempool, and instantly issues a credit confirmation to the client, without waiting for on-chain finality.

• Casino processing and other high-risk areas also go through: additional scoring + dynamic requests for reserves from market makers.

Multi-Chain Accelerator:

• NORD PAY analyzes the network fee at the moment of sending, and if it makes economic sense, uses a "bridge" layer — the same Tron USDT network with instant finality. This means instead of the traditional question "how to withdraw usdt to a card?" the client simply chooses the banking rails, while inside NORD PAY several hop exchanges occur.

Parallel AML+KYT:

• Automatic screening across 40+ databases instead of manual "verifying a bitcoin transaction".

• The Light-KYT algorithm analyzes 4 blocks back, so a "green" status is issued before hitting the block, without the risk of missing a suspicious hop.

API-First Integration:

The B2B client has only two endpoints left: POST /payout and GET /status/{invoice}. The final check, how to withdraw usdt from bybit to a card, becomes the platform's task: NORD PAY signs off-ramps and takes the exchange risk upon itself.