Abstract: Payment processing policies for implementing using multi-signature addresses includes defining an address associated with the multi-signature addresses and generating a plurality of keys and associating them with each of the addresses. For each of the plurality of keys one or more rules is defined that when triggered enable each of their corresponding plurality of keys to be signed. Each rule is a logical combination of one or more conditions and each of the one or more conditions has one or more attributes that when true allow each of the conditions to be true. A number of keys must be signed in order to unlock each address. One or more exit rules may be defined associated with each address where if not all of the plurality of keys have been signed before the exit rule is triggered then all of the plurality of keys are reset to an unsigned state cancelling the transaction.

Abstract: A payment processor receives a first fiat-currency amount and information comprising a payee deposit destination. The payment processor receives a first plurality of criteria and evaluates a first plurality of exchanges against the first plurality of criteria to select a first transaction exchange from the first plurality of exchanges to initiate a first conversion between a first fiat-currency amount and a crypto-currency amount. The payment processor receives a second plurality of criteria and evaluates a second plurality of exchanges against the second plurality of criteria. The payment processor selects a second transaction exchange from the second plurality of exchanges to perform a second conversion between the crypto-currency amount and a second fiat-currency amount. The payment processor initiates a transfer of said second fiat-currency amount to the payee deposit destination.

Abstract: A payment processor receives currency information and identification information. The currency information comprising a payer fiat-currency and a payee fiat-currency and the identification information comprises information verifying the identify of a payer and a payee. The payment processor utilizes the currency information and the identification information to determine a transaction restriction level and verifies that the identification information meets the threshold for the transaction restriction level. The payment processor receives payment in the payer fiat-currency and initiates a transaction to convert the payer fiat-currency amount into a crypto-currency amount. The payment processor converts the crypto-currency amount into the payee fiat-currency. The payment processor initiates a transfer of the payee fiat-currency amount to the payee.