Product Wallet Channel
为 BX、PG 这类产品提供统一充值地址、转账申请、提现申请和状态查询入口。
Payments · Web3 · AI · Future
PayNex
Integrated payment and wallet infrastructure for products that need real operational control: deposits, transfer requests, withdrawals, merchant settlement, risk review, and traceable receipts.
Environment
Staging
Integration
Controlled
Broadcast
Manual Gate
PayNex Network
一个支付网络，连接产品、商户、代理和钱包运营。
Merchant Payment Core
商户收单、退款、结算和对账进入一套 review queue，所有动作都有 receipt 和 trace。
Ops Command Center
运营团队可以查看 pending queue、用户引用、证明、凭证、风险状态和人工复核结果。
Platform Layer
PayNex 不是单一钱包，是资金业务的操作系统。
从账户模型到账本事件，从商户请求到风控 hold，PayNex 把产品侧、运营侧和审计侧放进同一套可验证流程里。
PNX
Available after review
USDT · Controlled
Deposit
Transfer
Withdraw
PG withdraw
Review required
BX transfer
Trace ready
Merchant refund
Proof needed
Operations First
先让资金流程可看、可查、可审，再开放更高等级自动化。
Request
产品/商户提交申请
Review
PayNex + Risk + Human
Receipt
proof / receipt / trace
Settlement
受控执行，不越过红线
Integration Surface
给产品团队的清晰接口。
POST /api/wallet/transfer/request
POST /api/wallet/withdraw/request
GET /api/wallet/operation/{operationId}/trace
GET /api/admin/paynex/product-ledger-queues