Move money across borders in minutes, not days.

Move money globally in minutes while AI automates the workflows behind every payment.

PayCoin helps businesses send international payments, manage treasury operations, automate approvals, and execute complex payment agreements without the delays and overhead of traditional banking systems.

Our AI agents can monitor payment obligations, enforce contract terms, schedule settlements, manage recurring payouts, and help finance teams reduce operational complexity. Every transaction is recorded on the Stellar network, providing transparency, auditability, and real-time visibility across your global payment operations.

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AI Treasury

Monitor global cash positions, payment obligations, and settlement activity from a single platform. AI helps finance teams manage liquidity, automate workflows, and reduce manual treasury operations.

Cross-Border Payments

Pay suppliers, vendors, contractors, and partners globally in minutes instead of days. Reduce settlement delays, simplify international payments, and gain visibility into every transaction.

Programmable Payments

Create payment agreements that automatically execute based on dates, milestones, approvals, or business events. Automate recurring payments, supplier contracts, and treasury operations without manual intervention.

Security & Ownership

Your business remains in control of its assets. PayCoin is non-custodial and supports hardware wallets, multi-signature approvals, and two-factor authentication to help protect high-value transactions.

PayCoin's testnet demo has officialy launched and in-review for the Apple and Android app stores. Request access to try the app now.

Developer SDK coming July 2026

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