Customized generation and secure authenticated processing of transfer instrument

An apparatus associated with a payment service, the apparatus comprising:

• one or more memory units storing instructions;
• and
• one or more processors, wherein execution of the instructions by the one or more processors causes the one or more processors to:
• receive an indication of a payee device associated with a payee optically scanning a glyph of a transfer instrument to decode an identifier that is encoded in the glyph, wherein the indication includes the identifier, wherein the transfer instrument indicates an amount of funds to be transferred to the payee, and wherein the transfer instrument comprises at least one of a check, a promissory note, a bill of exchange, an invoice, a receipt of transaction, or a smart contract with payment terms;
• determine, based at least in part on the identifier, multiple user accounts of the payee associated with the payment service;
• determine, based at least in part on a transfer history of the payee, an allocation that matches a previous allocation previously selected by the payee, as indicated in the transfer history of the payee, the allocation indicating respective amounts of the funds that are to be apportioned to respective asset types of multiple asset types comprising a first asset type and a second asset type, wherein the first asset type comprises at least one of a fiat currency, a security asset, a cryptocurrency, or a non-fungible token (NFT), and wherein the second asset type comprises at least one of a fiat currency, a security asset, a cryptocurrency, or a NFT;
• and
• cause a transfer of the respective amounts of the respective asset types to respective ones of the multiple user accounts of the payee.

One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a payment service, cause the payment service to:

• receive an indication of a payee device associated with a payee optically scanning a glyph of a transfer instrument to decode an identifier that is encoded in the glyph, wherein the indication includes the identifier, wherein the transfer instrument indicates an amount of funds to be transferred to the payee, and wherein the transfer instrument comprises at least one of a check, a promissory note, a bill of exchange, an invoice, a receipt of transaction, or a smart contract with payment terms;
• determine, based at least in part on the identifier, multiple user accounts of the payee associated with the payment service;
• determine, based at least in part on a transfer history of the payee, an allocation that matches a previous allocation previously selected by the payee, as indicated in the transfer history of the payee, the allocation indicating respective amounts of the funds that are to be apportioned to respective asset types of multiple asset types comprising a first asset type and a second asset type, wherein the first asset type comprises at least one of a fiat currency, a security asset, a cryptocurrency, or a non-fungible token (NFT), and wherein the second asset type comprises at least one of a fiat currency, a security asset, a cryptocurrency, or a NFT;
• and
• cause a transfer of the respective amounts of the respective asset types to respective ones of the multiple user accounts of the payee.