Introduction

Paygrid is a secure, modular payment infrastructure designed as a chain-agnostic payment layer for blockchain ecosystems. It provides developers and payment operators with a unified platform to build scalable decentralized financial applications (DFAs), abstracting away the complexities of managing payment workflows across multiple chains.

The Problem

For payment operators building the next-generation payment solutions:

• Fragmented Infrastructure: Rebuilding and maintaining a fragmented payment stack across different chains leads to high operational costs and inefficiencies.

• Reliability and Scalability Challenges: Dependence on bridges, and general-purpose RPC nodes that don’t prioritize you or your mission critical payments, treating all transactions equally. That exposes payments to latency, unexplained failures, privacy concerns, and exposure to negative MEV attacks, with no considerations for congestion handling or SLAs.

• Suboptimal User Experience: End-users end up facing the complexities such as manual bridging, swapping, gas management, and handling multiple wallets—barriers that limit widespread adoption for blockchain payments, shifting an infrastructure gap into a UX problem.

The Solution

Paygrid addresses these challenges by providing a dedicated payment infrastructure akin to schemes like RTP, SEPA, or UPI, but reimagined from the ground up for blockchain networks to empower next-generation DFAs.

• Programmable Payment Workflows: Support advanced workflows from e-commerce to autonomous AI agents, enforce compliance requirements such as KYT/AML checks or integrating your own contracts to allow for greater flexibility and innovative payment experiences.

• Chain-Abstracted Payment Intents: Streamline payment processes across networks using intent-based payments that focus on desired outcomes rather than execution paths.

• Operator-centric: Provide payment operators with the tools to facilitate, automate, and scale payments efficiently, including features like fee management, delegated signing, and simple integrations with SDKs / APIs to send payment intents.

Connecting fragmented legos into a unified open payment stack so you don't have to

As a programmable payment layer, Paygrid eliminates the need to interact directly with fragmented components like RPC providers, public mempools, bridges, and decentralized exchanges. By offering a seamless chain abstracted payment framework, we empower developers to focus on creating innovative payment experiences without the operational overhead. Our emphasis is on delivering:

• Programmable Payment Workflows: Un-opinionated infrastructure addressing the operational challenges faced by payment operators and developers in solving for workflows, not transactions.

• Not all payments are equal: Different payment flows require tailored mechanisms for clearing and settlement to achieve optimal performance. This flexible approach optimize for each payment use-case based on its unique needs - prioritizing between speed, cost and reliability, from high-value transfers to micro-transactions.

• Advanced Optimizations: Such as solver competition for optimal execution, clearing and settlement mechanisms, and MEV protection out of the box.

Next Steps

• Learn more about how Paygrid works

• Reach out to us to explore how you can leverage Paygrid