Architecture

High-level flow

USER
  → KYC
  → CONNECT WALLET
  → SCAN CHECK
  → QUALITY + OCR + RISK
  → SPONSOR BANK / RDC
  → CHECK NETWORK
  → CLEAR / RETURN
       → CLEAR: USD → USDC → USDC|SOL → WALLET
       → RETURN: FAILED (no crypto)

Core objects

• users, kyc_profiles, wallets
• check_deposits, check_images, check_ocr_results
• check_risk_assessments, check_returns
• ledger_accounts, ledger_entries, fiat_transactions
• crypto_quotes, crypto_swaps, crypto_withdrawals
• devices, sessions, fraud_events, audit_logs

What Paycheck owns

UX, fraud orchestration, check experience, pricing, ledger, and customer relationship — with partners for banking and on-ramp infrastructure.