# Pay Protocol

> Decentralized crypto payment and wallet infrastructure for B2C enterprises

Pay Protocol is a decentralized crypto payment and wallet infrastructure provider for B2C enterprises. It lets retailers and fintechs accept, self-custody, manage, and disburse crypto through smart contract based accounts.

Pay Protocol is a company that builds decentralized crypto payment and wallet infrastructure for business to consumer enterprises. It provides a self-custodial checkout and wallet as a service system that lets retailers and fintechs acquire, manage, and disburse digital assets while retaining in-house control of funds. The platform is aimed at businesses seeking to accept crypto payments without depending on a third party custodian.

The protocol addresses the operational and security burden of running crypto payment systems by removing private key management from the process. Each wallet, including sub accounts, is deployed directly as a smart contract using multi-signature technology, so every transaction settles on-chain and remains recoverable even if backend servers fail. This keyless architecture is designed to reduce gas costs relative to conventional custody and payment solutions while keeping fund movement transparent and auditable.

Its core offering covers collections, payouts, settlements, and treasury workflows for merchants, supported by a developer API and e-commerce plugins for integration. The infrastructure is used by online and offline retailers, food delivery platforms, and other consumer facing businesses that want to add crypto acceptance without altering their existing operations.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/pay_protocol

## Products

- [Pay Protocol Platform](https://thegrid.id/profiles/pay_protocol): Pay Protocol Platform is a non-custodial payment infrastructure and wallet-as-a-service platform for businesses accepting cryptocurrency payments. It deploys smart contract based sub-contract wallets for each customer deposit, isolating funds and sweeping them into cold and hot contracts under multi-signature control, so merchants never hand custody of assets to the platform. The system records every transaction on-chain, uses assembly-level contract optimization to lower gas costs, and exposes an API for businesses to integrate collections, payouts, settlements, and treasury operations across multiple blockchain networks. Retailers and fintechs use it to acquire, manage, self-custody, and disburse crypto while retaining full in-house control. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://payprotocol.network)
- [Documentation](https://doc.payprotocol.network)
- [Blog](https://doc.payprotocol.network/blog)
- [Terms of Service](https://adm.payprotocol.network/terms)
- [Twitter / X](https://x.com/pay_protocol)
- [YouTube](https://www.youtube.com/@payprotocol-web3)
- [Discord](https://discord.com/invite/JWpjkDq5Eb)
- [Telegram](https://t.me/pay_protocol)
- [GitHub](https://github.com/PayProtocol-Network)
- [LinkedIn](https://www.linkedin.com/company/pay-protocol)

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- [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

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- [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
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