30 · Payment rails matrix (all ops)

How every tender type reaches money truth — cash, card, gift, loyalty, and crypto (DOGE / LTC / BTC). GigaWallet-class crypto is native multi-asset; fiat spine is always Core Invoicing.

DOGE · LTC · BTC create path Cash / card / multi-tender Watchers via CRYPTO_WATCHERS_ENABLED

One money spine

flowchart LR
  subgraph TENDERS
    CASH[Cash]
    CARD[Card / terminal]
    GIFT[Gift card]
    LOY[Loyalty]
    CRY[Crypto DOGE/LTC/BTC]
  end
  CART[POS cart tenders]
  FIN[finalize]
  CORE[Core Invoicing
Invoices + Payments]
  CASH --> CART
  CARD --> CART
  GIFT --> CART
  LOY --> CART
  CRY --> W[CryptoInvoice + watcher]
  W --> CART
  CART --> FIN --> CORE

Crypto settles the cart payment first; finalize writes Core Invoice (fiat cents + multi-tender breakdown).

Fiat & store tenders

Rail	POS path	Core Invoice	Notes
Cash	`tender/cash`	Yes on finalize	Till / shift variance
Card	`tender/card` + terminals	Yes	Refunds: Stripe when `pi_`/secret; else manual
Gift card	`tender/giftcard`	Yes	Balance in GiftCards; refund can re-credit
Loyalty	`tender/loyalty`	Yes	Points reverse on refund rails
Multi-tender	Multiple payments on cart	Yes	payment_details.payments + Payments rows
Store credit issue	Refund method	Yes	SC- codes as GiftCards

Crypto parity matrix (DOGE / LTC / BTC)

Capability	DOGE	LTC	BTC
POS `tender/crypto`	✅	✅	✅
`buildCryptoInvoice`	✅	✅	✅ (added)
Adapter package `crypto/{asset}/`	✅	✅ (restored)	✅
FX quote / price watcher	✅	✅	✅
Address RPC / HD	✅ HD+RPC	✅ HD+RPC	✅ RPC (+ HD account type)
Pay URI / QR scheme	dogecoin:	litecoin:	bitcoin:
Payment watcher	dogeWatcher	ltcWatcher	btcWatcher
Per-tenant CryptoConfig RPC	✅	✅	✅
Optional GigaWallet sidecar	✅ client	—	—

GigaWallet-class natively Create invoice → unique address → quote fiat→coin → watch confs → settle cart → Core Invoice. Multi-asset, multi-tenant — not DOGE-only.

Easy vs Advanced crypto (product modes)

Mode	Who	How POS works
`hosted` (Easy)	Most businesses	`POST tender/crypto` → Coinbase / CoinGate / Coinremitter hosted pay or address
`native` (Advanced)	Crypto-native / own node	Same endpoint → DOGE/LTC/BTC address + QR via `buildCryptoInvoice`
`auto`	Default	Hosted if any easy provider enabled; else native; else off
`off`	—	Crypto tender returns 403

Configure via POST /api/crypto-config body { cryptoMode, hostedProvider, external: { coinbase, coingate, … } } or GET /api/pos/crypto-mode. Cash/card/gift/loyalty unchanged.

vs GigaWallet

GigaWallet is a DOGE payment backend (accounts, invoices, QR, webhooks). GPE implements the same operational loop in-process for DOGE+LTC+BTC, plus POS, Core Invoicing, and tenant config. Optional payments/providers/gigawallet.js remains for pure-DOGE Giga hosting if desired.

Business operations coverage

Need	Supported
Sell with cash/card/gift/loyalty/crypto	✅ POS tenders → finalize → Core
Mixed tenders on one sale	✅
Void / refund with rails	✅ inventory, gift, loyalty, card attempt, store credit
Email receipt / refund / SC code	✅ tenant email ops (DocHub 29)
Accountant CSV export	✅ /api/core-invoicing/export
Crypto under/over pay policy	✅ invoice rules on create
Ticket billable → invoice	✅ Core + optional crypto on ticket
Non-custodial crypto (biz holds keys)	✅ RPC/HD per tenant config

Enablement

# Recommended production
CRYPTO_WATCHERS_ENABLED=1
CRYPTO_WATCHER_ORG_IDS=15,6          # optional; else discover CryptoConfig
CRYPTO_INVOICE_EXPIRY=1              # optional TTL sweeper
CRYPTO_WEBHOOK_DISPATCHER=1          # optional outbound webhooks

# Node RPC (env fallbacks if CryptoConfig incomplete)
DOGE_RPC_URL / DOGE_RPC_USER / DOGE_RPC_PASS
LTC_CORE_RPC_URL / LTC_RPC_USER / LTC_RPC_PASS / LTC_WALLET_NAME
BTC_RPC_URL / BTC_RPC_USER / BTC_RPC_PASS / BTC_WALLET_NAME

Key files

lib/invoices/buildCryptoInvoice.js — POS/ticket create (all three)
payments/providers/crypto/{doge,ltc,btc}/ — adapters
services/cryptoWatchers.service.js — multi-tenant start
services/{doge,ltc,btc}Watcher.js — chain poll
routes/pos.routes.js — tender cash/card/crypto/gift/loyalty
services/coreInvoicing.service.js — fiat money spine
DocHub 20 crypto · 28 Core · 29 email