# Skyline Digital

> Skyline Digital is a Swiss-regulated, non-custodial Web3 financial infrastructure platform that bridges crypto and traditional finance. It enables organizations, DAOs, institutions, and high-net-worth individuals to execute crypto-to-fiat payments, manage virtual bank accounts, access DeFi lending, process OTC trades, and handle invoicing — all through a compliance-first architecture with KYC/KYB, AML/CTF monitoring, and full audit trails.

Skyline Digital AG is a regulated Swiss non-bank financial intermediary. The platform is built on a NestJS backend with MongoDB, Redis/BullMQ for async job processing, and ethers.js for multi-chain EVM interactions. Authentication supports JWT, API keys, and SIWE (Sign-In with Ethereum). The system is multi-tenant with organization-based data isolation and CASL-powered role-based access control.

## Core Products & Services

- [Crypto to Fiat Payments](https://skylinedigital.xyz/): Execute payments worldwide in EUR, USD, CHF, SGD, GBP, DKK, or SEK using any major stablecoin. Supports on-ramp (fiat-to-crypto) as well.
- [Virtual Accounts](https://skylinedigital.xyz/): Named e-money accounts in GBP and EUR with SEPA, CHAPS, and Faster Payments support.
- [OTC Trades](https://skylinedigital.xyz/): Over-the-counter trades and payments using any token into any fiat currency or vice versa.
- [Crypto Payments](https://skylinedigital.xyz/): Batched crypto payment processing for payroll and operational disbursements.
- [DeFi Loans](https://www.skylinedigital.xyz/blog-posts/defi-loans-connecting-traditional-finance-with-crypto): Access fiat liquidity without selling crypto assets, powered by Aave and Spark protocol integrations.
- [Payables & Invoicing](https://skylinedigital.xyz/): Send custom invoice links, track and approve payables, batch payments, and manage invoices in crypto or fiat.
- [Tokenised Securities](https://skylinedigital.xyz/): Treasury management with tokenised T-bills and money market funds.

## Use Cases

- [Ultra High Net Worth Individuals](https://skylinedigital.xyz/ultra-high-net-worth-individual): Swiss banking-style asset management on a non-custodial platform.
- [DAOs & Organizations](https://skylinedigital.xyz/daos-and-organizations): Pay for goods, services, contractors, and operational expenses from crypto treasuries.
- [Institutional](https://skylinedigital.xyz/institutional): Institutional-grade infrastructure for digital asset management and fiat settlements.
- [Real Estate](https://skylinedigital.xyz/real-estate): Invest in real estate across 30+ countries using crypto payments.
- [Platforms](https://skylinedigital.xyz/platforms): White-label and integration capabilities for platforms seeking crypto-fiat rails.

## API & Technical Architecture

- [Skyline Digital Platform](https://app.skylinedigital.xyz/): Production application for account creation and transactions.
- [Beta Platform](https://beta.skylinedigital.xyz/): Beta environment for new features.

### API Endpoints

The Skyline Digital API provides RESTful endpoints with OpenAPI/Swagger documentation:

- `/transactions` — Transaction creation, monitoring, and lifecycle management
- `/payments` — Payment processing and status tracking
- `/bank-accounts` — Banking integration and account management
- `/receivers` — Payment recipient management
- `/payables` — Invoice and billing operations
- `/wallets` — Crypto wallet operations (creation, management, multi-chain)
- `/tokens` — Token information, pricing, and ERC20 operations
- `/networks` — Blockchain network configurations (Ethereum + EVM-compatible)
- `/loans` — DeFi lending positions and operations
- `/trading-pairs` — Token trading pair information
- `/payment-rails` — Payment method configuration (OpenPayd, Bivial, etc.)
- `/currencies` — Supported currency information
- `/countries` — Geographic coverage and restrictions
- `/organisations` — Multi-tenant organization management
- `/auth` — Authentication (JWT, API keys, SIWE)
- `/sumsub` — KYC/KYB verification workflows
- `/elliptic` — Blockchain compliance and AML monitoring

### Crypto-to-Fiat Transaction Flow

The core transaction pipeline processes crypto-to-fiat conversions through these settlement states:

1. **IDLE** — Transaction initiated as DRAFT with source wallet, target bank account, token, and amount details.
2. **WITHDRAWING** — Crypto withdrawn from user wallet via `transferFrom()` (ERC20) or Safe Allowance Module (Gnosis Safe).
3. **FUNDS_RECEIVED** — Blockchain confirmation received, compliance checks triggered (Elliptic).
4. **SETTLED_TO_PARTNER** — Crypto converted to fiat via RFQ system with liquidity providers, routed through banking partners (OpenPayd, Bivial).
5. **COMPLETED** — Fiat distributed to recipient bank account with full audit trail.

Background job queues (BullMQ) handle withdrawal processing, blockchain monitoring, and fee settlement asynchronously.

## Compliance & Security

- **Regulatory Status**: Swiss-regulated non-bank financial intermediary
- **KYC/KYB**: SumSub integration for identity and business verification
- **AML/CTF**: Elliptic blockchain compliance monitoring + ComplyAdvantage sanctions screening
- **Authentication**: Multi-layer (JWT + API keys + RBAC via CASL)
- **Audit Trails**: Complete fund flow event logging for regulatory compliance
- **Non-Custodial**: Users maintain control of their crypto assets via their own wallets

## Wallet Integrations

Supports Safe (Gnosis Safe), MetaMask, and WalletConnect for seamless non-custodial wallet connectivity.

## Company Information

- [Our Team](https://skylinedigital.xyz/our-team)
- [Blog](https://skylinedigital.xyz/blog)
- [Contact](https://t.me/skylineotc): Telegram support channel

## Optional

- [Blog Posts](https://skylinedigital.xyz/blog): Latest updates, product announcements, and industry insights.