diff --git a/src/payments/providers/index.js b/src/payments/providers/index.js
new file mode 100644
index 0000000..6e0da7e
--- /dev/null
+++ b/src/payments/providers/index.js
@@ -0,0 +1,72 @@
+const { PaymentProvider, PaymentProviderRegistry } = require('./paymentProvider');
+const BTCPayProvider = require('./btcpayProvider');
+const NativeMoneroProvider = require('./nativeMoneroProvider');
+
+/**
+ * Parse an operator routing override. Accepts JSON ({"BTC":"btcpay","XMR":"native-monero"})
+ * or a compact "CHAIN:provider,CHAIN:provider" string. Returns {} on empty/garbage.
+ */
+function parseRouting(raw) {
+    if (!raw) return {};
+    const s = String(raw).trim();
+    if (!s) return {};
+    if (s[0] === '{') {
+        try {
+            const obj = JSON.parse(s);
+            const out = {};
+            for (const k of Object.keys(obj)) out[String(k).toUpperCase()] = String(obj[k]);
+            return out;
+        } catch (_) { return {}; }
+    }
+    const out = {};
+    for (const pair of s.split(',')) {
+        const [chain, prov] = pair.split(':').map(x => (x || '').trim());
+        if (chain && prov) out[chain.toUpperCase()] = prov;
+    }
+    return out;
+}
+
+/**
+ * Assemble the payment-provider registry from environment/config. Single wiring seam for Pillar 3.
+ *
+ * Behavior-preserving: with no BTCPAY_* env set (prod today), only the native Monero/Wownero
+ * provider is registered and every chain routes to it — identical to the current flow. Set
+ * BTCPAY_URL/BTCPAY_STORE_ID/BTCPAY_API_KEY and BTC/LTC/GRIN route to BTCPay automatically, while
+ * XMR/WOW stay on the native wallet-RPC. PAYMENT_ROUTING overrides any chain->provider mapping.
+ */
+function buildProviderRegistry({ env = process.env, walletService = null } = {}) {
+    const registry = new PaymentProviderRegistry();
+    let hasNative = false, hasBtcpay = false;
+
+    if (walletService) {
+        registry.register(new NativeMoneroProvider({ walletService }));
+        hasNative = true;
+    }
+
+    const baseUrl = env.BTCPAY_URL, storeId = env.BTCPAY_STORE_ID, apiKey = env.BTCPAY_API_KEY;
+    if (baseUrl && storeId && apiKey) {
+        registry.register(new BTCPayProvider({ baseUrl, storeId, apiKey }));
+        hasBtcpay = true;
+    }
+
+    // Sensible defaults, only for providers that are actually present.
+    const routing = {};
+    if (hasBtcpay) { routing.BTC = 'btcpay'; routing.LTC = 'btcpay'; routing.GRIN = 'btcpay'; }
+    if (hasNative) { routing.XMR = 'native-monero'; routing.WOW = 'native-monero'; }
+    else if (hasBtcpay) { routing.XMR = 'btcpay'; routing.WOW = 'btcpay'; }
+
+    Object.assign(routing, parseRouting(env.PAYMENT_ROUTING)); // operator override wins
+    registry.setRouting(routing);
+    registry.setDefault(hasNative ? 'native-monero' : (hasBtcpay ? 'btcpay' : null));
+
+    return registry;
+}
+
+module.exports = {
+    PaymentProvider,
+    PaymentProviderRegistry,
+    BTCPayProvider,
+    NativeMoneroProvider,
+    buildProviderRegistry,
+    parseRouting
+};
diff --git a/test/paymentProviderBootstrap_ultra.test.js b/test/paymentProviderBootstrap_ultra.test.js
new file mode 100644
index 0000000..c21a47d
--- /dev/null
+++ b/test/paymentProviderBootstrap_ultra.test.js
@@ -0,0 +1,52 @@
+const { buildProviderRegistry, parseRouting } = require('../src/payments/providers');
+
+const fakeWallet = { createPaymentRequest: async () => ({}), checkPaymentStatus: async () => ({}), processBatchPayout: async () => ({}) };
+
+describe('parseRouting', () => {
+    test('parses JSON and compact forms, ignores garbage', () => {
+        expect(parseRouting('{"btc":"btcpay","xmr":"native-monero"}')).toEqual({ BTC: 'btcpay', XMR: 'native-monero' });
+        expect(parseRouting('BTC:btcpay, XMR:native-monero')).toEqual({ BTC: 'btcpay', XMR: 'native-monero' });
+        expect(parseRouting('')).toEqual({});
+        expect(parseRouting('{not json')).toEqual({});
+    });
+});
+
+describe('buildProviderRegistry', () => {
+    test('native-only (no BTCPay env): every chain routes to native — behavior-preserving', () => {
+        const reg = buildProviderRegistry({ env: {}, walletService: fakeWallet });
+        expect(reg.getProvider('WOW').id).toBe('native-monero');
+        expect(reg.getProvider('XMR').id).toBe('native-monero');
+        expect(reg.getProvider('BTC').id).toBe('native-monero'); // default provider, no routing entry
+    });
+
+    test('with BTCPay env: BTC/LTC/GRIN -> btcpay, XMR/WOW stay native', () => {
+        const reg = buildProviderRegistry({
+            env: { BTCPAY_URL: 'https://btcpay.lan', BTCPAY_STORE_ID: 's', BTCPAY_API_KEY: 'k' },
+            walletService: fakeWallet
+        });
+        expect(reg.getProvider('BTC').id).toBe('btcpay');
+        expect(reg.getProvider('LTC').id).toBe('btcpay');
+        expect(reg.getProvider('GRIN').id).toBe('btcpay');
+        expect(reg.getProvider('XMR').id).toBe('native-monero');
+        expect(reg.getProvider('WOW').id).toBe('native-monero');
+    });
+
+    test('BTCPay-only (no wallet): all five chains route to btcpay', () => {
+        const reg = buildProviderRegistry({
+            env: { BTCPAY_URL: 'https://btcpay.lan', BTCPAY_STORE_ID: 's', BTCPAY_API_KEY: 'k' },
+            walletService: null
+        });
+        expect(reg.getProvider('XMR').id).toBe('btcpay');
+        expect(reg.getProvider('WOW').id).toBe('btcpay');
+        expect(reg.getProvider('BTC').id).toBe('btcpay');
+    });
+
+    test('PAYMENT_ROUTING override wins', () => {
+        const reg = buildProviderRegistry({
+            env: { BTCPAY_URL: 'u', BTCPAY_STORE_ID: 's', BTCPAY_API_KEY: 'k', PAYMENT_ROUTING: 'WOW:btcpay' },
+            walletService: fakeWallet
+        });
+        expect(reg.getProvider('WOW').id).toBe('btcpay'); // overrode the native default
+        expect(reg.getProvider('XMR').id).toBe('native-monero'); // untouched
+    });
+});