Risk Management & Finality
0-Conf Instant Speed vs. Multi-Block Finality
Optimize consumer checkout UX without exposing merchant treasuries to chain reorganization or double-spend vulnerabilities.
Tiered Settlement Matrix
| Transaction Tier | Network & Policy | Confirmation Target | Fulfillment Action |
|---|---|---|---|
| Micro Orders (< $50 USD) | Polygon / Solana (0-Conf) | Mempool Seen (< 1.5 sec) | Instant Digital Key / Download Delivery |
| Standard Commerce ($50 - $2,500 USD) | TRON / Polygon (1-3 Blocks) | 1 - 3 On-Chain Blocks (~6 sec) | Physical Shipment / Service Provision |
| High-Value / Whale (> $2,500 USD) | Multi-Chain (12-64 Blocks) | Finalized State (Reorg Immune) | High-Value Escrow & Real-Time Settlement |
Webhook Event Lifecycle
payment.detected: Fired within 400ms when tx enters validator mempool. Ideal for loading spinners or reservation holds.payment.confirmed: Fired upon reaching the merchant's configured confirmation depth. Triggers order fulfillment.payment.finalized: Fired when the block achieves PoS checkpoint finality (100% irreversible).
Official NPM SDKs (v0.2.0) & Remote MCP Server
Integrate Faster with Official XPayr Packages & Zero-Install MCP
Install @xpayr/node-sdk (v0.2.0), @xpayr/payment-evidence (v0.2.0), @xpayr/extension-kit (v0.2.0), or @xpayr/mcp-server (v1.0.0) from NPM, or execute live JSON-RPC 2.0 tool calls via POST https://xpayr.com/api/mcp.