lidya
LIDYA — VOL. 02 · HOW IT WORKS / 2026
§  FROM APPLICATION TO SETTLEMENT

Onboarding,in sixmovements.

Most merchants are live within forty-eight hours.

iAPPLY

One screen, six fields. Sixty seconds.

No account required to begin.

NO ACCOUNT REQUIREDPUBLIC FORM
iiGET AUTO-APPROVED

Under $50k/month: instant. Larger: 24h review.

No KYC paperwork for sandbox.

UNDER $50K · INSTANTNO KYC PAPERWORK
iiiSET A PASSWORD

Invitation in email. Click, set password, 2FA optional.

Dashboard access opens immediately.

2FA OPTIONALDASHBOARD ACCESS
ivRECEIVE SANDBOX KEY

Shown once. sk_test_… Copy it now.

We hash and never display again.

FORMAT · sk_test_…ONE-TIME DISPLAY
vINTEGRATE & TEST

cURL, Node, Python. First charge: five minutes.

Webhooks signed with HMAC.

QUICKSTART · 5 MINWEBHOOKS · HMAC
viSETTLE IN USDT

T+1. TRC20 / ERC20 / BEP20 / Polygon.

No bank rails on the merchant side.

T+1 BUSINESS DAYNO BANK INVOLVED
From form submission to first captured charge, the median onboarding takes under one hour.
— LIDYA OPS METRICS

No paperwork. No phone calls. Just keys.