# Morph

> Payments, perfected.

Morph is an Ethereum Layer 2 network built for stablecoin payments and settlement. It supports payment applications and merchant tools used by developers, merchants, and payment platforms.

Morph is a Layer 2 blockchain network built on Ethereum that provides settlement infrastructure for stablecoin payments and programmable financial applications. It is designed to offer fast transaction finality and low transaction costs, positioning the chain as a purpose built settlement layer for payments rather than a general purpose network. The network is aimed at developers, merchants, and payment platforms seeking to move stablecoin value across borders.

The network addresses the friction of cross-border money movement by combining onchain settlement with a payments middleware layer, sometimes referred to as Morph Rails, that turns blockchain data into payment services such as checkout, payment links, batch payouts, and fiat conversion. Transactions settle on the Morph chain in seconds, allowing merchants and applications to receive near real time confirmation instead of waiting on traditional banking rails. Users can access these services without needing to manage a traditional crypto wallet setup, since account creation can rely on familiar sign in methods.

Morph's product scope spans a merchant dashboard, payment tools, and a gateway API, alongside core network infrastructure such as a bridge, explorer, and wallet tooling. BGB functions as the network's core gas, governance, and settlement token. The offering is used by online businesses accepting global payments, developers building payment and payroll applications, and platforms integrating stablecoin settlement into their own products.

- 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 provided payment cards that enabled crypto spending with DeFi yield generation, supporting multiple fiat currencies and integrating with major mobile payment wallets for global transactions. The card program ran on Morph's payment middleware infrastructure, letting users manage balances, activate cards, and access real-time foreign exchange. The offering has since been superseded by the Morph Payments and Morph Rails product lines. (Card, Discontinued)
- [Morph Black Card](https://thegrid.id/profiles/morph): Morph Black Card was a premium DeFi-enabled payment card with NFT-gated access, providing elevated yield on deposits, reduced crypto-fiat conversion fees, and global payment functionality with traditional banking integration. The product has been discontinued as the brand shifted toward the Morph Payments and Morph Rails product lines. (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 lockup period at a fixed annual rate. The system settles rewards daily and restricts early redemption, with staked tokens returned to users upon completion of the lock-up period. (Staking & Validation Services, 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, and agent service discovery via a skill hub, alongside private stealth address transfers. The system is self-custodial and permissionless, supporting stablecoin-denominated transactions across merchant, AI agent, and cross-border payment workflows, and underpins the Morph Payments merchant product. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Morph Payments](https://thegrid.id/profiles/morph): Morph Payments is a stablecoin payment platform for online businesses that lets merchants accept, send, and convert stablecoin payments globally. It provides hosted checkout, payment links, an embeddable widget, batch payouts, fiat off-ramp, and idle-balance yield through a merchant dashboard, alongside a gateway API, SDKs, and webhooks for developer integration. Payments settle on the Morph blockchain, with merchants receiving funds on-chain across multiple supported chains and stablecoins. The platform also supports autonomous AI agent payments through a machine-readable payment protocol. (Merchant Payment Gateway, Live, Main Product)

## Assets

- [BGB (BGB)](https://thegrid.id/profiles/morph): BGB is the native token of Morph Chain, a Layer 2 network built for onchain payments. It is used for paying transaction fees, securing the network through staking, participating in governance, and settling value across integrated ecosystems. BGB migrated to a native Chainlink CCIP-based issuance model, enabling cross-chain transfers without a prolonged bridging challenge period. (Native)

## 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. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP