Crypto Payments
P
PayChain
Stripe for crypto — instant merchant settlements in any token
The prompt
Build a crypto payment gateway that lets merchants accept any token and receive USDC or stablecoins instantly, eliminating volatility risk. The merchant dashboard shows revenue analytics, refund management, and payout scheduling to their bank. Transaction fees are 0.5% vs Stripes 2.9% + 30¢. Merchants can embed a checkout link in any message, social post, or website. Chargebacks are handled by a decentralized arbitration jury of staked GOV token holders. Payment confirmations settle in under 3 seconds.
Tokenomics
P
PAY
1,000,000,000 total supply
Distribution
45% Merchant staking rewards / 30% Payment network incentives / 15% Team (3yr vest) / 10% Ecosystem
Utility
Merchant staking for fee discounts, arbitration stake for dispute resolution, and governance over fee parameters.
AI Agent lineup
| Agent | Role |
|---|---|
| FraudDetection Agent | Analyzes transaction patterns and flags high-risk payments before settlement. |
| SettlementAgent | Converts accepted tokens to USDC and initiates bank transfer within seconds. |
| DisputeResolution Agent | Manages chargeback arbitration, assigns jury members, and enforces ruling execution. |
| MerchantSuccess Agent | Proactively surfaces revenue insights, suggests optimizations, and handles onboarding questions. |
90-Day roadmap
What this replaces
Traditional team
Payment operations staff, fraud analysts, merchant success managers, and finance controllers
CryptoForge AI
$65,000/mo in salaries + $18,000/mo in payment infrastructure and fraud detection
Per month
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