# Morph > Payments, perfected. Morph is an Ethereum Layer 2 network providing settlement infrastructure for stablecoin payments and programmable financial applications. Morph serves developers, merchants, and AI agents building payment products on Ethereum. Users can process cross-border remittances, automate payroll and subscriptions, and accept merchant payments through Morph Rails, a programmable payment middleware. The network uses BGB as its core gas, governance, and settlement token, and was previously known as Morph L2. - Type: Network - Sector: Payments - Status: Active - Founded: 2024-03-01 - Profile: https://thegrid.id/profiles/morph ## Products - [Morph L2](https://thegrid.id/profiles/morph): Morph L2 is an optimistic zkEVM architecture with decentralized sequencer networks, functioning as a settlement layer for stablecoin payments on Ethereum. The system combines optimistic rollup efficiency with ZK proof security through responsive validity proofs, maintaining full EVM compatibility. It supports EIP-7702 enabling BGB-denominated gas payments and the MorphTx transaction type for optimized payment transaction processing. (L2, Live) - [Morph Bridge](https://thegrid.id/profiles/morph): Morph Bridge is a cross-chain asset transfer service between Ethereum and Morph L2 through smart contract gateways, supporting ETH and ERC-20 tokens with automated withdrawal finalization and optimized gas efficiency. (Bridge, Live) - [Morph Explorer](https://thegrid.id/profiles/morph): Morph Explorer provides blockchain data visualization for the Morph L2 network, enabling transaction tracking, address monitoring, and network statistics analysis through a block explorer interface. (Block Explorer, Live) - [Morph Pay](https://thegrid.id/profiles/morph): Morph Pay provides payment cards that enable crypto spending with DeFi yield generation, supporting multiple fiat currencies and integrating with Apple Pay and Google Pay for global transactions. Built on Morph Rails infrastructure, users can manage balances, activate cards, and access real-time FX. (Card, Live) - [Morph Black Card](https://thegrid.id/profiles/morph): Morph Black Card is a premium DeFi-enabled payment card with NFT-gated access, providing up to 30% APY on deposits, 0.3% crypto-fiat conversion fees, and global payment functionality with traditional banking integration. (Card, Discontinued) - [BGB Staking](https://thegrid.id/profiles/morph): BGB Staking is a fixed-term staking service on the Morph network enabling BGB holders to earn rewards through a 90-day lockup period at a fixed 5% APY. The system settles rewards daily and restricts early redemption, with staked tokens returned to users upon completion of the lock-up period. (Staking Service, Live) - [Morph Rails](https://thegrid.id/profiles/morph): Morph Rails is a programmable payment middleware layer deployed on the Morph blockchain, abstracting on-chain operations into production-grade payment services via SDK, API, CLI, and MCP interfaces. It provides gas abstraction through AltFee, merchant order tracking via Reference Key, AI agent micropayments through the x402 Facilitator, agent service discovery via Morph Skill Hub, and private stealth address transfers. The system is self-custodial and permissionless, supporting stablecoin-denominated transactions across merchant, AI agent, and cross-border payment workflows. (Payments Infrastructure & Orchestration, Live, Main Product) ## Assets - [Morph Platinum Card](https://thegrid.id/profiles/morph): Morph Platinum Card is a soulbound NFT on Morph L2 issued as a membership credential for the Morph Pay ecosystem. It provided priority access to token allocation, physical and virtual payment cards, and DeFi yield opportunities. Following Morph's pivot to BGB as its core token, the program was discontinued and a redemption program was announced for existing holders. (NFT) ## Links - [Documentation](https://docs.morph.network) - [Blog](https://blog.morph.network) - [Media Kit/branding](https://morphbrand.notion.site/Morph-brand-guideline-56eca01ef6d14212be0e9562ad1e2fc1) - [Main](https://morph.network) - [Terms of Service](https://morph.network/terms) - [Privacy policy](https://morph.network/privacy) - [Whitepaper](https://morph.network/micar-whitepaper.pdf) - [Governance](https://morph.network/tokenomics/governance) - [Forum](https://forum.morph.network) - [GitHub](https://github.com/morph-l2) - [Twitter / X](https://x.com/MorphNetwork) - [Telegram](https://t.me/MorphGlobal) - [Discord](https://discord.com/invite/morphnetwork) - [LinkedIn](https://www.linkedin.com/company/morphnetwork) - [Twitter / X](https://x.com/MorphDevs) ## Legal This data is provided under two licensing models. Model 1 - open data. 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