Your customers pay in BTC, ETH, USDC or USDT. You receive EUR, USD or USDC — to a bank (SEPA/ACH), card, PayPal, Payoneer or an on-chain wallet. PayS locks the rate, converts and settles; you just handle the webhook.
Routes across the rails you already use
PayS abstracts the messy middle of money movement — FX, compliance routing, rail selection — behind primitives that feel like Stripe, but reach further.
Send EUR, receive USDC. Charge a card, settle to a bank. PayS picks the cheapest, fastest path across fiat and crypto rails automatically — and you never see the plumbing.
The customer sees a fixed rate locked for 30 seconds and pays exactly the invoice — no surprise slippage between checkout and settlement.
KYC, travel-rule and sanction screening run inline on every transfer. No separate vendor to wire up.
Retries never double-charge. Every request carries a key; PayS guarantees exactly-once settlement.
A real-time double-entry ledger ships with every account. Subscribe to any state change — authorized, converted, settled, refunded — and reconcile without a spreadsheet in sight.
If payments are core to your product but not your core business, PayS is the layer you don't have to build.
Launch wallets, accounts and payouts without a banking licence or a year of integrations.
Pay sellers and contractors worldwide — in fiat or stablecoins — through one API.
On/off-ramp, swaps and cross-chain settlement without building the infrastructure yourself.
Collect from anywhere in the coin the customer holds, settle to a bank, card, PayPal or Payoneer — without correspondent-bank delays.
Three everyday business flows — money lands in seconds, not days.
Ask PayS what it costs to move value from source to destination. You get a locked rate, fee and ETA valid for 30 seconds.
Confirm the quote with a single call. PayS selects the rail, runs compliance, converts and dispatches — all inside the request.
A signed webhook fires the moment funds land. Your ledger updates itself; you just react to the event.
Businesses in Ukraine, LatAm and beyond already price and settle in USDT every day. The rails are here — the tooling for everyday merchants isn't. That's the gap PayS fills.
The infrastructure giants build for enterprise treasuries. PayS brings the same any-to-any settlement to SMBs and developers first — with pricing and onboarding built for teams, not banks.
Stripe takes cards. PayS takes crypto and hands you clean fiat or stablecoin — conversion, compliance and settlement built in.
| Criterion | PayS | Legacy PSP | Crypto gateways |
|---|---|---|---|
| Fiat + crypto in one API | Yes | Rarely | Crypto payout |
| Settlement speed | Seconds | 1–3 days | Fiat: next-day |
| Compliance (KYC, travel-rule) | Built in | Separate vendor | Basic / add-on |
| Cost | 2% flat, from payout | 2.9% + fees & spread | ≈1% + off-ramp |
| Ledger & webhooks | Out of the box | Partial | Varies |
PayS is not a Stripe replacement for card checkout. Stripe takes cards; crypto gateways hand you coins. PayS takes crypto and turns it into fiat or stablecoin — quoting, conversion, KYC/AML and settlement in a single API, without stitching together an exchange, a compliance vendor and a payout provider.
Launch pricing, locked for waitlist members. No setup fees, no minimums.
Flat 2%, from payout — no spread
Not live yet — join the waitlist to get early access and locked launch pricing.
Today PayS takes any crypto and settles you in EUR, USD or USDC. We're building toward any currency into any other — crypto, cards, bank rails and fiat, in any direction, through the same API.
We're taking a limited number of teams into private beta. Waitlist members get access first, locked launch pricing and a direct line to the founders.