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2PiR.Lab

We build platforms, standards and infrastructure, and our partners launch their own products on top of it — from a payment service and a bank to FX settlement and an education platform.
We have been building payment and financial platforms for more than ten years: the practice started with a single product and today there are about a dozen. Some of them we build for ourselves, some to order, and some we test as a hypothesis before offering them to the market. Below is what is in progress now; for details, each card links to the product’s own site.

See the products  ·  Discuss a partnership
We provide the foundation, the partner launches the product
We do not open our own storefronts in other people’s markets. Our role is to give a working foundation to those who are already there and know their customer.
The partner launches the product under its own brand, while the platform, the development and the support stay with us. The payment platform, the education platform, the wallet and the key-protection standard all work this way — each on its own terms, described on its own site.

How we work →
Financial platforms and products
  • 4pay.online
    A foundation for launching a financial product under your own brand: a payment service, a neobank, a crowdfunding platform, a crypto service or industry billing. The partner gets payment acceptance and payouts, accounts and deposits, card issuing, transaction screening and an operations console, plus more than 700 ready-made integrations with providers and banks in 50 countries.

    Product site — 4pay.online
    Launch scenarios — 4pay.online/use-cases
    Developer documentation — docs.4pay.online
  • dCLS
    FX settlement with a guarantee of simultaneous execution: both sides receive their currency together, or the trade is not settled at all. The product is intended for payment companies, banks and foreign-trade participants that work with currencies outside the large international settlement systems. Since July 2026 the contracts have been running on the Ethereum mainnet; the product is in beta.

    4pay.online/dcls
  • Heth.me
    A crypto wallet in the form of a web app: code payments, transfers between users, payment at the till and payment acceptance for business. It works on the Ethereum and TRON networks and serves as the workplace of a dCLS settlement participant.

    heth.me
  • U—U Pay
    The payment form the buyer sees. It is embedded into a site, sent as a payment link or opened as a page under the merchant’s brand; cards, instant payments, the wallet and cryptocurrency are supported, and the interface is translated into fourteen languages. Released in 2024 together with the Moosehead studio.

    4pay.online/uupay
Participatory finance
A separate direction of the platform — products in which money is not lent at interest but invested in a business with a share in the outcome.
This covers collective funding with a stake in the project, revenue participation without an equity stake, funding against a percentage of future revenue, a cooperative account with member shares and a mutual-aid fund.

The mechanics of these instruments differ, but the accounting task is the same: you have to track shares, record the terms, calculate the distribution when income arrives and answer the regulator’s questions. The platform solves it once for every model — on top of the banking layer, with a common ledger, payment acceptance and payouts. For Islamic financial products a separate audit trail is kept to AAOIFI standards.
Where each model is described
  • Crowdfunding platform
    A launch scenario with escrow, regulatory limits and a cooling-off period for the investor.

    4pay.online/use-cases/crowdfunding
  • Islamic banking
    Murabaha, Mudaraba, Ijara, Sukuk and Wadiah to AAOIFI standards.

    4pay.online/use-cases/islamic-finance
  • Chervonets: communities and cooperatives (beta)
    A closed loop of mutual offsetting, interest-free mutual aid and pooling money for shared causes. It is launched with a step-by-step wizard in the console; the product is in beta.

    Launch guide — 4pay.online/resources/chervonets
  • Credit unions and ROSCA
    Digital banking for communities: accounts and member shares, interest on contributions and dividend distribution, microloans with arrears control, payout order in a mutual-aid fund.

    How to automate a credit union — 4pay.online/resources/community-banking
A platform rarely stops at one model: a crowdfunding project grows into revenue-based funding, a cooperative adds a mutual-aid fund, an Islamic bank adds collective campaigns. When all the models live on one accounting foundation, moving between them becomes a setting rather than a new integration.
Products and standards beyond finance
  • Pipir
    Adaptive maths practice: the platform takes every student along an individual path, tracks how topics are mastered and serves tasks by readiness rather than by age or school year. The content is available in Russian, English and Swahili and is aligned with national exams. We offer the platform to partners as a franchise: joint localisation for the country’s school curriculum and acceptance of the payment methods common in the region. The first market is Tanzania.

    pipir.online
  • Family chat
    A family messenger on the open Matrix protocol with end-to-end encryption. Parental control works at the server level, so it cannot be bypassed by reinstalling the app; there are geofences, an SOS button and school or neighbourhood communities. A family or an organisation can deploy the server on its own infrastructure. The product is in beta.

    gaml.tech
  • CCSA
    A standard for protecting critical cryptographic material: private keys, seed phrases and session tokens of custodial wallets. It is built as an extension of PCI DSS with a narrow scope and pass-or-fail assessment. The draft has been published for discussion; assessments will be carried out by accredited audit firms rather than by the council of the standard.

    Standard site — ccsa-council.com
  • Artificial intelligence
    We apply language models where a human checks the result: draft standard learning tasks are approved by a methodologist, bots appear in family chats with a parent’s permission, and platform functions are available to operator assistants. The research part of this direction is engAIne, a cognitive architecture in which memory, attention and knowledge consolidation work as separate layers.

    Read more →
Smart contracts to order
A separate direction of the lab — developing smart contracts for clients.
We build asset-backed tokens tied to a real asset, escrow with conditional release, bond contracts with coupon payments and multi-signature governance with delayed execution. The client gets not only the code but also the procedure for working with it: deployment scripts, handover of multisig control and a role policy for their own team.
Security by design

Separation of powers between roles, withdrawal limits, a delay on critical operations with the option to cancel, an emergency pause and two-step withdrawal of large amounts are built into the contract from day one rather than added after an incident.
Verifiability

We use the proven OpenZeppelin libraries, keep the option to upgrade without changing the address and cover the logic with unit and invariant tests. For contracts backed by a real asset we run formal verification — a mathematical check that the code matches the stated properties.
Networks and support

We work on the Ethereum and TRON networks. We support the contract up to production and stay available after launch: upgrades, incident analysis, help when the set of signers changes.
An example of our work. ZolT is our study of a token backed by physical gold: one unit corresponds to one gram of 999 fine metal in allocated storage, and the presence of the metal is verified against audit data inside the contract itself. The work grew out of discussions at the Russia-Africa Expo 2025 forum and became a tested foundation for anyone launching such a product. The write-up is in our blog post on ZolT (in Russian).

If your product needs a backed contract, escrow or treasury management, describe the asset and the jurisdiction and we will discuss the rest: partners@2pir.org.
Technology components
We wrote part of the infrastructure ourselves because off-the-shelf solutions did not fit on price, on requirements or on the degree of control. For partners this means fewer intermediaries in the chain and fewer dependencies that cannot be verified.
  • Our own blockchain nodes
    The platform reads the Ethereum and TRON networks directly, through our own nodes rather than through third-party services. An external provider of such access sees which addresses the system is interested in and can restrict operation at any moment; since July 2026 no such dependencies remain in the perimeter.
  • NFC payment acceptance at the till
    The component connects a contactless payment to the point-of-sale software directly, without an intermediate acquiring terminal. The buyer’s data is decrypted only on the merchant’s side; two till protocols common in food service are supported.
  • Operations automation
    Robotisation of an operator’s routine work: exports, reconciliations and regular checks, including where the provider has no programmatic interface. For a partner launching a product with a small team this is a direct saving on support.
  • Tooling for operator assistants
    Platform functions are available to language models through the standard tool-connection protocol, so an operator assistant is assembled without a separate integration for every scenario.
Why a consulting company builds its own products
We advise on what we run ourselves. Provider outages, reconciliation gaps, disputed payments and auditors’ questions — we have worked through all of them on our own platform.
That is why we quickly find the places in someone else’s system where the same thing will happen. The recommendations from our audits are backed by working solutions: almost everything we advise can be shown in our own platform, with an explanation of how the mechanism is built, how it behaves under load and what it costs to support.

How we work →
Projects of earlier years
The current line-up did not appear out of nowhere. Since 2019 we have built a donation gateway for charities designed for a large flow of small payments, a notification service with a mobile app and a support chat that embeds into a site.
There was also a browser messenger with no central server, the Vsrok task management app and a map-based catalogue of orders. Some of these projects are closed, some were handed over to clients, and some turned into modules of the platforms in use today: the experience of delivering events to devices became the basis of wallet notifications, and the browser messenger was our first approach to the task that Family chat now solves.

In parallel we ran projects for external clients: payment gateways for a specific task, recurring payment and subscription services, anti-fraud solutions for banks and fintech companies, integration with a self-employment platform and support of PCI DSS certification. Under the terms of our agreements we do not name clients publicly, but when discussing a specific task we are ready to say more within the limits our obligations allow.
Launch a product, become a partner or get a consultation
If you are launching a financial product, start with the 4pay.online platform. If you are a consultant, an integrator or a payment provider, we have a partner model rather than a sales department.
And if you need an outside view of an existing system, that is what our consulting practice is for: audit and architecture of payment systems, information security from PCI DSS preparation to anti-fraud, and legal support on personal data, corporate and digital law and the contractual base of fintech.

4pay.online  ·  Write to us  ·  Consulting and audit