01
All businesses share one address
Funds arrive together, but attribution is unclear
- Manual matching via TxID, screenshots, or amounts
- Hard to map performance and customer ledgers automatically
Pay Protocol
No development needed—upgrade your self-custody wallet into a payment system
Create dedicated receiving addresses for customers, orders, projects, or channels so funds are attributed automatically, with KYT screening and consolidation. Funds can only be withdrawn to your designated treasury wallet under preset rules—private keys and fund control stay with you.
$1B+
Stablecoin volume processed
$150M+
Current monthly volume
The collection dilemma
One wallet can't tell them apart; many wallets become unmanageable
A receiving address is itself a business identifier. Sharing one loses attribution; splitting into many scatters management and fund permissions—ordinary wallets can't do both attribution and unified control.
02
One ordinary wallet per business
Attribution is clear, but fund management and permissions are scattered
- Wallets and seed phrases keep multiplying
- Daily consolidation depends on manual work
- Fund permissions rely on individual custody
How it works
Separate collection, unified control
Create dedicated receiving addresses per business line for automatic attribution. After KYT screening, funds consolidate into a cold contract vault, then withdraw only to your designated treasury wallet under preset rules.
Fund flow: dedicated addresses → KYT → cold vault → designated treasury
Dedicated address
Customer / Order A
Project / Channel B
Business address N
→
KYT check
Screen risk funds before consolidation
→
Safe → Cold contract vault
Unified consolidation · On-chain multisig · Limit controls
Risk → Emergency isolation address
Diverted at KYT · Handled separately
→
Designated treasury wallet
Withdraw under preset rules
Risk funds are diverted at KYT to an emergency isolation address; only safe funds enter the cold vault, then withdraw to the designated treasury wallet after on-chain multisig and preset risk controls.
Use Cases
Does your business fit one of these six stablecoin collection scenarios?
Whenever you need to separate incoming funds by customer, order, project, or channel, you can use Pay Protocol directly.
OTC customer collections
One address per trading customer for clear reconciliation and attribution.
Cross-border e-commerce / B2B
Separate funds by buyer, supplier, or order batch—payments stay obvious.
Gold / commodity settlement
Separate large payments by buyer or trade lot with clear provenance.
Ad agencies / digital services
Separate budgets and fees by client, project, or ad account.
Community / channel collections
Separate funds by promoter or channel partner for performance and commissions.
Web3 services / project billing
Separate development, marketing, and consulting fees by project or client.
In common: turn funds across many addresses into identifiable, reconcilable, centrally managed business capital.
Onboarding
Apply once—self-serve after deployment
Pay Protocol is application-based. After approval and dedicated contract deployment, you log in, create receiving addresses, enable KYT, and configure consolidation and withdrawal policies yourself.
01
Get invite code
Enter your email address to get an invite code in real time.
02
Receive invite code
Enter your email to receive a one-time invite code instantly.
03
Complete registration
Go to adm.payprotocol.network/signUp and provide chain, basic info, email, invite code, 3 admin wallet addresses, and 1 treasury wallet address.
04
Wait for contract deployment
Pay Protocol deploys your dedicated contracts and initializes permissions—no need to write or deploy smart contracts yourself.
05
Configure collections
After go-live, follow Quick Start to create addresses, enable KYT, and set consolidation and withdrawal policies.
Admin wallets must be self-custody Web3 wallets that can connect to the web and sign on-chain. Do not use exchange deposit addresses.
Product Demo
Start by connecting your admin wallet: create receiving addresses, receive USDT, complete KYT risk screening, automatically consolidate into the cold contract vault, then withdraw to your designated treasury wallet via pre-set multisig rules. Follow the demo to understand the full secure collection loop end-to-end.
From connecting an admin wallet to creating addresses, receiving USDT, checking status, auto-consolidation, and withdrawal.
01
Connect and sign in
Connect an approved admin wallet with your self-custody wallet and enter ADM.
02
Create receiving addresses
Batch-create deposit sub-contract addresses in the console.
03
Make a test payment
Send a small USDT amount to one address and review status and balances.
04
See the fund loop
Watch funds consolidate into the cold contract, then withdraw to the designated treasury.
Batch-create addresses
Address status & balances visible
Auto consolidation
Auto withdrawal
Pricing & validation
Simple and transparent—charged only on successful withdrawal
Transparent protocol fee
0.1%
Charged only on successful withdrawal
Protocol service fee. For every 1,000 USDT successfully withdrawn from the cold wallet contract, only 1 USDT is charged. Fees execute via smart contract and are fully verifiable on-chain.
Proven in production
$150M+
Monthly volume
$1B+
Lifetime volume
Pay Protocol runs in real production payment environments, supporting payment, withdrawal, consolidation, and fund management workflows.
FAQ
FAQ
No. The no-API version lets you create receiving addresses, configure KYT, consolidation, and withdrawal policies in ADM—no servers to deploy or maintain.
Going live creates dedicated contracts and initializes wallet permissions—not just an account. Applications are reviewed so contract setup and fund permissions are correct; after approval, Pay Protocol deploys contracts and you self-serve in the console.
Pay Protocol does not hold merchant private keys. Institutions are governed by multiple admin wallets; funds withdraw only along the contract’s preset path to the designated treasury wallet.
Flagged receiving sub-contracts are marked as risk and skip normal consolidation. Via multi-sig you can set an emergency consolidation address and move risk funds to an isolation address for review.
Automatic jobs are not realtime. By default, consolidation scans every 5 minutes and withdrawal every 30 minutes; jobs run only after your thresholds are met. You can also connect a wallet anytime and trigger consolidation or withdrawal manually. Arrival time depends on on-chain confirmation and multi-sig / timelock settings.
The protocol fee is 0.1%, charged only when funds successfully leave the cold contract. 1 USDT per 1,000 USDT withdrawn; executed by smart contract and verifiable on-chain.
Ready to start secure collections?
Submit an application. After approval, Pay Protocol deploys your institution contracts; then follow Quick Start to create addresses and enable automated collections.
Apply