OwnPay provides non-custodial USDC payment rails across Base L2 and Solana SPL. Funds settle directly into merchant-controlled vaults with zero rolling reserves, transparent transaction-based pricing, and native support for autonomous AI agents.
Cross-border commerce is fundamentally broken. Traditional card networks extract excessive fees, lock up merchant capital, and cannot service the emerging autonomous software economy.
Legacy processors levy interchange fees, international card markups, and currency conversion penalties that silently erase up to 40% of merchant net operating income.
Centralized payment platforms routinely lock 10% to 25% of merchant revenues for months under the guise of fraud risk, starving high-growth companies of working capital.
Card networks allow consumers to reverse transactions up to 120 days post-fulfillment with minimal burden of proof, costing global e-commerce over $100 billion each year.
Autonomous AI agents cannot receive 3DS SMS codes or solve CAPTCHAs. Without internet-native cryptographic micro-rails, autonomous machine commerce remains stranded.
A unified settlement gateway connecting real-world merchants and autonomous AI agents directly to on-chain liquidity without middlemen.
Transactions route directly into merchant-controlled smart accounts or hardware vaults. OwnPay holds zero custodial keys and cannot freeze or seize your revenue.
Natively deployed on Base L2 (Chain ID 8453) with sub-cent gas and Solana SPL with 400ms finality. Settle transactions instantly in stablecoins accepted worldwide.
Native HTTP 402 instant paywalls (RFC 9110) and Model Context Protocol (MCP) server tools, enabling autonomous LLMs and bots to transact within programmable budget policies.
From intent creation to cryptographically verified settlement in seconds.
Your application or AI agent creates an intent with the required USDC amount and destination vault via our REST API, SDK, or MCP server tool.
The human shopper signs with their preferred self-custody wallet or passkey; autonomous AI agents authorize payments using delegated session keys within policy guardrails.
USDC transfers directly on-chain into the merchant vault. OwnPay indexers verify the transaction receipt and dispatch signed HMAC webhooks to your servers.
No monthly SaaS subscriptions. No setup fees. No hidden foreign exchange markups. We only succeed when you successfully settle volume.
Start accepting non-custodial USDC payments in minutes, or empower your autonomous AI agents with programmable spending policies.
