A payment processor receives currency information and identification information. The currency information comprising a payer fiat-currency and a payee fiat-currency and the identification information comprises information verifying the identify of a payer and a payee. The payment processor utilizes the currency information and the identification information to determine a transaction restriction level and verifies that the identification information meets the threshold for the transaction restriction level. The payment processor receives payment in the payer fiat-currency and initiates a transaction to convert the payer fiat-currency amount into a crypto-currency amount. The payment processor converts the crypto-currency amount into the payee fiat-currency. The payment processor initiates a transfer of the payee fiat-currency amount to the payee.

本发明公开了一种基于互联网的货币兑换与结算系统，包括：至少两个法币节点，用于接收客户的兑换请求并向其他法币节点发出兑换请求；电子货币节点，用于电子货币与法币之间的流通；平衡模块，用于建立电子货币节点与相应法币节点之间的兑换路径，维持相应法币节点的支出和输入平衡；搜索模块，用于检索同一时间区间内发出兑换请求的法币节点；匹配模块，用于法币节点相互之间和法币节点与电子货币节点之间的兑换匹配。本发明还公开了一种基于互联网的货币兑换与结算方法。本发明面向具有实际法币需求的国际旅客需求，基于大数据的兑付需求价值链网络智能内聚合算法，并通过目的国所在地的实体终端将兑换后的目的地法币交付用户。