Storefronts, marketplace and consumer credit — one platform, any country

A multi-country commerce platform for merchants and portals: Shopify-compatible storefronts, a configurable checkout, payments, built-in instalments with identity verification, fiscalisation packs per country, a partner portal and APIs for apps and AI agents.

Free to start: an account, then the store — country, name and address. Delivery, payments and the cash register are connected in the admin.

1codebase — country packs instead of forks
3country packs: Serbia, Russia, Mexico
12+provider interfaces: payments, fiscal, carriers, KYC…
API-firstGraphQL storefront, OpenAPI admin, MCP for agents

Capabilities

Everything a store, a portal or a lender needs to sell online

Each capability is a module with its own data and a public interface; everything external is a provider that can be swapped per store or per country.

Storefronts & themes

Each merchant runs its own storefront on Shopify-compatible themes (Online Store 2.0, Liquid): sections, blocks, theme editor, own domain, several locales. Any existing OS 2.0 theme can be uploaded as a zip.

Liquidtheme editorcustom domainsi18n

Catalog & import

Products, variants, media, collections, attributes and price lists per plan. Import from XLSX/CSV + photo archive with dry-run diff, from YML / Google Merchant feeds on a schedule, or through the Admin REST API.

XLSX + ZIPfeedsRESTre-import without duplicates

Cart & checkout pipeline

Checkout is a configurable pipeline of steps (contact → delivery → payment → … → confirm); every step is a JSON schema, so themes, the mobile app and the partner portal share one flow. Hosted checkout, quick «one-click» orders, delivery tabs with pickup points on a map.

JSON-schema stepshosted checkoutmaps & lockersquick order

Payments

PaymentProvider interface: cards, tokenisation, merchant-initiated charges, refunds, redirect or embedded (hosted fields) flows, cash on delivery, BNPL partners. Status only by signed webhook.

tokens & MIT3-D SecureCODwebhooks

Consumer credit built in

Instalment sales by the platform itself: price plans (one-off / short / long), rules-based decision, income self-declaration, KYC with on-device document OCR (MRZ, check digits) and selfie ↔ document face match, OTP-signed agreement, first payment, monthly collection, early repayment.

KYC + OCRface matchOTP e-signatureinstalment collection

Orders, fulfilment & delivery

Orders split by seller, partner confirmation with a timer, 3PL connectors (stock, statuses, marking codes), carriers with tariffs, labels and tracking, pickup points and parcel lockers, returns and complaints with service visits.

3PLcarriersreturns & claims

Marketplace models

The portal storefront sells merchants' goods as reseller (merchant of record) or as agent; a merchant's own store is always merchant of record. One order, several fulfilment orders.

reselleragentmulti-seller orders

Fiscalisation & compliance

Country packs turn regulation into configuration: fiscal receipts (Serbia V-PFR/ESIR, Russia 54-FZ/ATOL + marking, Mexico CFDI/PAC), e-invoices, consent journal with document versions, withdrawal forms, accounting export. Personal data stays in the country cell.

country packse-invoicesconsent journaldata residency

Customers & notifications

Unified customer base per cell with per-store profiles, OTP / social login, saved cards and addresses, order timeline; templated notifications by e-mail, SMS, Viber and push, abandoned-cart triggers.

OTP loginprofiles per storeSMS / Viber / e-mail

Admin & partner portal

Merchant admin for catalog, orders, customers, themes, KYC queue, accounting; partner (agent) portal with POS sale, QR / SMS hand-off to the customer's phone, availability confirmation, instalment calculator, complaints.

multi-storeroles & scopesPOSQR hand-off

APIs, apps & agents

Storefront GraphQL with a public token per store, Admin REST (OpenAPI) with org tokens, signed webhooks, white-label mobile app (Expo) and MCP servers so AI agents can browse, buy and manage stores.

GraphQLOpenAPIwebhooksMCP

Multi-country by design

Global control plane, regional data cells (EU, RU, LATAM) with the same code and different configuration: currencies, taxes, providers, documents, consumer-law periods. New country = new pack, not a fork.

cellscontrol planeone codebase

Architecture

Modular monolith per country cell, everything external is a provider

A global control plane holds merchants, billing and routing; each regional cell runs the same application with its own database, so personal data never leaves the country.

Channels

Storefront themes · hosted checkout · partner portal · merchant admin · mobile app · AI agents

APIs

Storefront GraphQL · Admin REST (OpenAPI) · webhooks & events

Modules

Catalog · Content · Themes · Cart · Checkout · Orders · Fulfilment · Shipping · Lending · KYC · Payments · Fiscal · Accounting · Notifications

Providers

PSPs · fiscal (ESIR, ATOL, PAC) · carriers & 3PL · messaging · KYC vision · maps — pluggable, mocked in tests

Infrastructure

TypeScript monorepo, modular monolith per cell, Postgres with row-level tenancy, S3 media, PDF documents, Docker / Kubernetes

Implementations

Already running on the platform

One live production project, one instalments demo and two stores being filled — all on the same code.

Live

smthcommon.ru

Fashion store running end-to-end on the platform: catalog import, storefront theme, checkout, online payments, 3PL fulfilment, fiscal receipts and marking, customer accounts. No consumer lending.

Demo

ecom.gildia.ai/s/1click

1Click — electronics on instalments in Serbia: three price plans, KYC with OCR and face match, OTP-signed agreement, partner portal. Test data is in the demo block below.

Being filled

fw-dev.gildia.ai

Second merchant store on the same cell: theme and catalog in progress.

Being filled

bats-dev.gildia.ai

Store built from the BATS design system as a Shopify-compatible theme.

Try it

Demo environment

The 1Click demo shows the full instalment purchase: catalog, cart with delivery on a map, KYC with document recognition, agreement signature and the partner side.

Demo store — 1Click

Electronics on instalments (Serbia). OTP code in the demo is always 123456; test card 4111 1111 1111 4417.

Open store

Merchant admin

Catalog, orders, customers, themes, KYC queue, accounting. Sign in with the manager account you were given.

Open admin

Partner portal

POS sale with QR hand-off, active sales, instalment calculator, identity checks. Same login as the admin.

Open portal