Bridging Two Worlds: The Interoperability Challenge in Hyperlender

The Hyperlender project, developed at our technology centre in collaboration with Eurostar under the 2021 Public-Private Partnership (CPP) call, faces not only challenges in the blockchain or regulatory spheres. One of the most significant hurdles is practical in nature: how to build solid and simple bridges between the traditional financial system and the new decentralised paradigm.

Bringing Traditional and Decentralised Finance Together
Blockchain technology offers unprecedented security and transparency, yet for most people, it still poses usability barriers. Users operate in euros, rely on credit cards, and make bank transfers. Therefore, the success of a platform like Hyperlender depends critically on its ability to deliver a seamless experience in which the complex underlying technology remains completely invisible to the end user.

The core interoperability challenge lies in connecting the world of digital assets—anchored in blockchain—with that of fiat currency (euros). An investor must be able to contribute funds using their usual payment method, and a borrower must be able to receive their loan directly into their bank account quickly and easily. Achieving this requires a robust architecture capable of securely and efficiently "translating" operations between both ecosystems.

Building Technological Bridges for a Frictionless Experience
To tackle this challenge, we’ve designed a service architecture that integrates multiple payment gateways, covering both traditional methods and those based on cryptoassets. The cornerstone of our approach is abstraction: we’ve created an intermediary layer in our system that manages communication with each payment provider individually. As a result, the user enjoys a unified, consistent experience regardless of the payment method they choose.

This abstraction layer handles the complexities of each API, varying security protocols, and different confirmation flows. This allows us to support a wide range of payment options without overloading the application’s core logic—and more importantly, it ensures a coherent, frictionless user experience. This modular design also allows us to remain agile, enabling us to incorporate new payment gateways in the future with minimal development effort.

Our priority is to ensure that anyone—regardless of their technical knowledge of blockchain or cryptocurrencies—can use Hyperlender as easily as they would a conventional online banking app. This focus on usability and interoperability is key to driving mass adoption and making the benefits of decentralised finance accessible to everyone.