Systems and methods for processing payments in cryptographic currency

A server platform comprising one or more tangible computer-readable non-transitory storage media comprising program instructions for processing payments using cryptographic currency, wherein execution of the program instructions by one or more processors result in:

• receive from a payment terminal at a point of sale (POS) an invoice message that is comprised of a payment amount in a first currency and a plurality of crypto-addresses of at least one crypto-wallet operably coupled with a software development kit (SDK) installed on a electronic device;
• query an at least one blockchain network for a balance of plurality of cryptocurrencies in said at least one crypto-wallet;
• establish a value of said at least one balance in the first currency by applying at least one available exchange rate with said cryptocurrencies;
• respond to said invoice message by sending a crypto-payment offer message to said SDK, wherein said crypto-payment offer message is comprised of a plurality of payment amounts in said plurality of cryptocurrencies;
• wherein, said plurality of payment amounts are determined based on at least one factor selected from:
• said value of said balance, preferences of cryptocurrency types;
• a risk factor of said at least one cryptocurrency type, a risk factor of a consumer transaction costs of said plurality of cryptocurrencies.

An electronic device comprising one or more tangible computer-readable non-transitory storage media having installed a software development kit (SDK) for processing payments using cryptographic currency, wherein execution of the program instructions of the SDK by one or more processors results in:

• transmitting a plurality of crypto-addresses of at least one crypto-wallet to a payment terminal;
• receiving a crypto-payment offer message from a server platform, wherein said crypto-payment offer message comprises a plurality of payment amounts in said plurality of cryptocurrencies;
• wherein, said plurality of payment amounts are determined based on at least one factor selected from:
• said value of said balance, preferences of cryptocurrency types;
• a risk factor of said at least one cryptocurrency type, a risk factor of a consumer transaction costs of said plurality of cryptocurrencies;
• approving said crypto-payment offer;
• instructing said at least one crypto-wallet to pay said plurality of payment amounts in said plurality of cryptocurrencies, to a crypto-address of the server platform.