# OwnPay — Complete Brand & Architectural Knowledge Graph (llms-full.txt)
> Canonical Host: https://ownpay.tech | Developer Platform: https://ownpaylab.dev | Merchant Platform: https://ownpaylab.tech

## 1. Protocol Architecture & Philosophy
OwnPay is unified non-custodial payment infrastructure for merchants, e-commerce, and autonomous AI agents built on Base (Chain ID 8453).
- Settlement Currency: Native Base USDC (sub-cent fees, <2s finality)
- Localized Fiat Conversions: BDT, USD, EUR, INR, GBP converted to exact onchain USDC amount
- Fee Model: Pure Pay-As-You-Go. $0 monthly or annual subscription fee.
  - Starter Tier: 0.25% (25 basis points)
  - Verified Tier: 0.10% (10 basis points)
  - Enterprise Tier: 0.05% (5 basis points)

## 2. Non-Custodial Security & Invariants
- Non-Custodial: OwnPay never takes custody of merchant private keys or funds.
- Merchant-Controlled Settlement Wallet: Funds settle directly to merchant self-custody wallet addresses.
- 15-Point Onchain Verification: Amount, recipient, token contract, block confirmations, and sender checks.
- Mathematical Double-Entry Ledger: Ensuring exact gross amount, platform fee, and net settlement allocation.

## 3. Ecosystem Structure
- ownpay.tech: Primary entity, brand identity, protocol thesis, and governance roadmap.
- ownpaylab.tech: Merchant surface for retail POS, payment links, and payout management.
- ownpaylab.dev: Developer surface for APIs, TypeScript SDK, MCP, and AI agent infrastructure.

## 4. Official Contacts
- Team & Inquiries: team@ownpay.tech
- Merchant Support: support@ownpay.tech
- Security Disclosure: support@ownpay.tech