What is JoPay?

Instruction-only payment rail for crypto. No custody, no intermediaries.

What is JoPay?

JoPay is an instruction-only payment platform built on USDC stablecoins. It does not hold, custody, or move your funds. Instead, it creates payment instructions, verifies on-chain transfers, and notifies all parties when a payment is verified.

Merchants receive USDC directly into their own wallets. Partners onboard and manage merchants. Customers pay by sending USDC from any compatible wallet.

JoPay never takes custody of funds. Every payment is a direct wallet-to-wallet transfer on a public blockchain. JoPay only creates, tracks, and verifies payment instructions.

How it works

Every payment follows the same five-step flow, regardless of mode (POS or invoice).

Create a payment request

The merchant enters an amount and optional description. JoPay generates a unique payment link and QR code.

Share with the customer

The merchant shares the payment link or displays the QR code. The customer opens it in their browser or wallet.

Customer sends USDC

The customer connects a wallet (or uses any wallet that supports USDC) and sends the exact amount to the merchant's address on a supported chain.

Verify the transfer

JoPay's verification engine (Trails) watches for the on-chain transfer and automatically verifies that the correct amount, asset, recipient, and chain match the payment request.

Notify all parties

Once verified, the merchant sees the payment as verified in their dashboard. Webhooks fire to the partner. The customer can view a receipt.

Key principles

  • No custody — structurally. Labs (the JoPay interface) holds no user wallet key, no session key, and no signing authority over merchant or payer funds. Payments flow from the payer's wallet through an immutable forward-only contract to the merchant's wallet. Even a full Labs compromise cannot move anyone's funds. See Non-custody.
  • Instruction-only. JoPay creates payment instructions and observes on-chain transfers. The app never signs a fund-moving transaction — every signature comes from the user's own wallet.
  • Automatic verification. The Trails engine watches supported chains and verifies payments without manual intervention.
  • Multi-chain. Supports multiple EVM chains. Merchants and customers choose which chain to use.
  • Multi-currency display. Merchants set a display currency (e.g. USD, EUR, GBP). Amounts are shown in that currency but received in USDC.
  • Partner-driven. Partners onboard merchants, configure platform settings, and receive webhook notifications.

Who uses JoPay?

Merchants

Businesses that accept payments. Merchants create payment requests, share them with customers, view their dashboard, and withdraw funds. Merchants are always scoped to a partner.

Partners

Platform operators that onboard and manage merchants. Partners configure webhooks, set minimum payment amounts, manage FX rates, enable features like auto-forward and recurring billing, and monitor merchant activity through the admin portal.

Customers

End users who pay merchants. Customers open a payment link, connect a wallet, send USDC, and receive a receipt. No account or sign-up is required.

Supported chains

JoPay supports USDC transfers on twelve EVM-compatible chains. Polygon and Base are the most commonly used; Ethereum mainnet is available for high-value transfers where maximum network security is preferred.

  • Polygon, Base, Arbitrum One, Optimism — low-fee L2s and sidechains for everyday payments.
  • Ethereum — mainnet, higher fees, maximum security.
  • Avalanche, BSC, Gnosis — additional L1s and sidechains.
  • Arbitrum Nova, Monad, Soneium, Katana — newer networks supported for compatibility.

See Supported chains for the full list with chain IDs, gas ranges, and verification times.

Most merchants use Polygon or Base for everyday payments due to low gas fees. Ethereum mainnet is best suited for high-value transfers where maximum security is preferred.

Next steps

Merchant getting started

Set up your account, connect a wallet, and create your first payment.

Partner getting started

Onboard merchants, configure webhooks, and manage your platform.

How to pay

Learn how to pay a merchant using USDC from any compatible wallet.

Supported chains

Detailed information about each supported blockchain network.