Crypto-bridge for automating recipient decision on crypto transactions

A method comprising:

• receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user;
• predicting, via a machine learning model, a future value of a cryptocurrency of the cryptocurrency account based on historical values of the cryptocurrency over time;
• determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on the predicted future value of a cryptocurrency stored within the digital wallet application of the user;
• transmitting, via a crypto-bridge application programming interface (API), fiat currency from a fiat account of the user to a crypto exchange;
• receiving, via the crypt-bridge API, an amount of the cryptocurrency based on the payment amount and storing the amount of cryptocurrency in the digital wallet;
• generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date;
• and
• storing the entry in a queue.

A computer-readable medium comprising instructions which when executed by a processor cause a computer to perform a method comprising:

• receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user;
• predicting, via a machine learning model, a future value of a cryptocurrency of the cryptocurrency account based on historical values of the cryptocurrency over time;
• determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on the predicted future value of a cryptocurrency stored within the digital wallet application of the user;
• transmitting, via a crypto-bridge application programming interface (API), fiat currency from a fiat account of the user to a crypto exchange;
• receiving, via the crypt-bridge API, an amount of the cryptocurrency based on the payment amount and storing the amount of cryptocurrency in the digital wallet;
• generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date;
• and
• storing the entry in a queue.