Paycrest is a decentralized payment routing protocol that enables stablecoin-to-fiat and fiat-to-stablecoin transfers through a network of KYC-verified providers. Payments are created as orders through a multi-chain Gateway smart contract or the Sender API, with recipients receiving funds via bank transfers, mobile money, or stablecoin wallets. Aggregator nodes route and assign orders to providers, coordinate fulfillment, and settle on-chain.