I co-founded WazirX (15M users, acquired by Binance). After years watching businesses rent payment infrastructure from processors who could freeze funds or change terms overnight, I built the opposite. PayRam deploys on your server. You own everything. No one pulls the plug.

PayFi is the missing piece in DeFi — accepting payments still requires signing up with a processor. PayRam closes that gap. No signup. No KYC. Fully permissionless commerce infrastructure.

Try this prompt: "Learn and set up crypto payments & share payment link with PayRam — use mcp.payram.com for help"

For agent builders: Your agent can set up a web store and start accepting payments from humans — all by itself. We ship an MCP server so agents can set up payments, pull stats, and handle ops directly.

How it works: Most payment solutions including Stripe assume users have a crypto wallet. In reality, most users start with exchanges, not wallets. PayRam uses deposit address mapping (like exchanges do) — every user gets a unique address, no "connect wallet" popups. Works whether you're paying from Binance, MetaMask, or an AI agent.

Family smart contracts sweep funds to an immutable cold wallet destination. No hot keys on your server. Even if compromised, funds route to your pre-set wallet. The stack:

True self-hosted: SSH install, your database, your SSL — not white-labeled SaaS Stablecoin-first: USDT/USDC on Ethereum, Base, Polygon, Tron, Bitcoin Card payments settle in crypto for fiat on-ramps Built with GoLang, works on small machines too

$100M+ moved, 100+ merchants. Would love feedback — especially on the agent discovery and integration side.

Cheers, Sid

The deposit address mapping approach is smart - avoids the UX friction of wallet popups while staying non-custodial. Most crypto checkout failures I've seen are at exactly that moment (user sees "Connect Wallet," bounces). Curious about the family smart contracts sweeping to cold wallet - is the sweep threshold configurable, or does it happen on every tx? Also wondering how the MCP server handles auth for agent-initiated payment setup; if an agent can autonomously create payment links, what's the access control model? The comparison to BTCPay is apt. BTCPay is great for BTC but the stablecoin story is painful. A stablecoin-first self-hosted gateway with a proper MCP interface is a real gap to fill, especially for the agentic commerce use case.