Welcome to Pay Protocol
As the first open-protocol Wallets-as-a-Service (WaaS) powered by smart contracts, Pay Protocol enables businesses to accept crypto payments and deposits with full self-custody—delivery in-house ownership, but faster, cheaper, and more secured.\n\nDifferentiation\n• 81%+ lower gas fees per transfer via our optimized in-house written smart contracts.\n• Smart-contract-native Wallets-As-A-Service (WaaS) lets businesses self-custody their funds in a fully programmable way, while mitigating risks of insider misconduct, third-party dependency, and private-key loss.



