> For the complete documentation index, see [llms.txt](https://docs.pepay.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pepay.io/getting-started/key-features.md).

# Key Features

***

## Multi-Chain Model

Pepay supports multiple blockchain networks (e.g., Ethereum, Solana, BASE), allowing AI agents and merchants to transact in their preferred chain. This **polyglot** approach future-proofs Pepay against shifting market trends—adding new chains is as simple as plugging in a new module.

**Why it matters:**

* **Seamless Cross-Chain Payments**: Accept ETH, SOL, and beyond, all under one unified interface.
* **Future-Proof**: Easily adapt to emerging L2s or new blockchains without overhauling your payment logic.

***

## Self-Custody Architecture

Pepay is **non-custodial** by design, ensuring that merchants and AI agents maintain full control over their private keys. There are no third-party custodians—Pepay simply provides the payment rails. Merchants may use the KMS encrypted custodial wallets or operate with their own wallets

**Why it matters:**

* **Security & Ownership**: Your wallet, your keys. No middleman controlling your funds.
* **Trustless Transactions**: Reduce counterparty risk and remove friction in on-chain payments.

***

## Developer Testnet

Test new payment flows and integrations without risking real funds. Pepay offers a **dedicated testnet** environment to let you break things in a sandbox before going live.

**Why it matters:**

* **Safe Experimentation**: Build and iterate faster without incurring costly on-chain fees.
* **Frictionless Onboarding**: Lower the barrier to entry for developers looking to integrate Pepay into AI agent workflows or merchant platforms.

***

## Partial Payment System

Pepay’s partial payment feature enables you to accept or send payments in increments, rather than settling an invoice in full.

**Why it matters:**

* **Flexible Billing**: Allow your customers or AI agents to pay as they go.
* **Improved Accessibility**: Smaller amounts lower the commitment threshold and widen your user base.

***

## Time-Bound Invoicing

Set an **expiry period** for each invoice, ensuring payments are made within a specific window. If the deadline passes, the invoice expires automatically.

**Why it matters:**

* **Fraud Prevention**: Close payment channels before bad actors exploit them.
* **Revenue Protection**: Keeps payment expectations clear for both AI agents and end users.

***

## Multi-Platform Support

Pepay integrates with popular communication tools and AI frameworks, making it easy to embed payments where conversations and collaborations happen.

**Building Support for :**

* **Multiple AI Agent Models** (AI16z, 8n8, PyDantic, ARC, Virtuals)
* **Discord, Twitter, Telegram** connectors
* **Document Ingestion & Retrieval**: Pepay integrates with AI workflows that require data ingestion and context retrieval for transactions or invoice generation. This could include emails, addresses, or customer information. 

***

## Observability & Logging

Pepay provides logs, alerts, and health checks to ensure you have full visibility into your payment flows.

**Why it matters:**

* **Real-Time Monitoring**: Quickly diagnose issues or failed transactions.
* **Scalability**: Track metrics as your user base or number of AI agents grows.

***

## Putting It All Together

Pepay doesn’t just handle payments; it **empowers** AI agents, merchants, and users to transact seamlessly in an evolving multi-chain world. Whether you’re building an autonomous AI service, an on-chain social casino, or a retail crypto gateway, Pepay’s flexible, non-custodial, and developer-friendly architecture has you covered.

**Next Steps**

<table data-view="cards"><thead><tr><th></th><th></th><th data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Architecture &#x26; Design</strong></td><td>dive deeper into the tech</td><td><a href="/pages/QI4T6YqOuJ7rL2BrKiqm">/pages/QI4T6YqOuJ7rL2BrKiqm</a></td><td><a href="/files/53PF6z17zvkCTjyObptE">/files/53PF6z17zvkCTjyObptE</a></td><td></td><td></td></tr><tr><td><strong>Getting Started</strong></td><td></td><td></td><td><a href="/files/2ojdeD9NsYaKfuqi2FwA">/files/2ojdeD9NsYaKfuqi2FwA</a></td><td></td><td></td></tr><tr><td><strong>Check out our SDK</strong></td><td>get started with app integrations</td><td></td><td><a href="/files/GN9bh7yb1fWtIEOXDbk1">/files/GN9bh7yb1fWtIEOXDbk1</a></td><td></td><td><a href="/pages/CyH2xJQs9yWJ1S8BYNav">/pages/CyH2xJQs9yWJ1S8BYNav</a></td></tr></tbody></table>


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