Yes you are right, what i want to visualize is to customize the hikashop multivendor as like payment gateway or act like paypal or payza.
Then replace the word multi-vendor labels to merchant , plus add some merchant features like account balance , and use a default crypto currencies like bitcoin withdrawal method not limited to bank and credit cards.. ..
Now also wanted to convert the hikashop as main payment gateway like paypal or payza and turn the multi-vendor into merchant account management to send fund, balance, withdraw , transfer to other merchant member or or vendor etc.. i hope now you get what i mean...