Universal Payment Use Cases
1 · E-commerce Checkout Widget
Elevator Pitch Drop-in plugin (WordPress, WooCommerce, Wix, PrestaShop) that lets any store accept any token on any chain and settle to the merchant’s preferred stablecoin—100 % non-custodially.
How It Works
Merchant installs the Pepay plugin.
Cart subtotal → fiat-equivalent in shopper’s token of choice (e.g., $49.99 → 37 DOGE).
MCP/SDK bundle (
amount + token + chain + slippageGuard) sent as a single JSON.Shopper pays; Pepay routes the swap on the lowest-slippage DEX (< 30 s).
1 % fee auto-burns $RUNEY; net funds land directly in merchant wallet.
Why It Matters
Avoid 4% Mastercard or Visa processing fees
Unlocks meme-coin buyers without price-risk.
No chargebacks, no CEX settlement delays, no PCI scope.
One plugin ≈ Coinbase Commerce + Alchemy Pay—but non-custodial.
2 · Subscription & SaaS Billing
Elevator Pitch Recurring-payment API for SaaS teams who want crypto subs with stable-fiat predictability.
How It Works
User approves a pull-payment smart contract (no cards).
Each cycle, Pepay swaps → settles to USD1/USDC → fires webhook.
Failed swaps auto-retry across fallback tokens/chains.
Why It Matters
Predictable MRR in fiat, flexible pay-in for users.
Zero PCI overhead; merchant never touches keys.
Ideal for VPNs, dev tools, newsletters, game passes.
3 · Freelance Escrow & Marketplace Payouts
Elevator Pitch Lightweight escrow layer that drops marketplace rake from 20 % to ~1 %.
How It Works
Client creates escrow via Pepay SDK, funding with any asset.
Funds lock until
POST /releasesigned by both parties or arbiter.Pepay swaps to freelancer’s chosen coin; settles instantly.
Fee split: 0.7 % burned, 0.3 % rebated to marketplace.
Why It Matters
Global talent paid same-day, minus pennies in gas.
Marketplaces earn without custody, KYC headache, or FX spread.
Goodbye Upwork/PayPal hold periods.
4 · In-Game Micro-Transactions
Elevator Pitch Unity/Godot SDK for on-chain IAP—skins, loot boxes, DLC—priced in stables, payable in gamers’ meme holdings.
How It Works
Player picks token; SDK handles swap + dev treasury settlement.
NFT asset mints & delivers in one tx.
Why It Matters
Avoids Apple/Steam 30 % cut.
Directly works within gaming frameworks rather than building chain centric games
Build token-centric game ecosystem efficiently.
“Any-token onboarding” slashes friction for degen gamers.
Gas abstraction hides blockchain UX from casual users.
5 · Point-of-Sale (POS) for Brick-and-Mortar
Key Promise If the price tag says $4.50, exactly $4.50 lands in the merchant’s wallet—every time.
Elevator Pitch Tablet/phone POS for cafés, events, pop-ups—tap to pay with any token, instant stablecoin settlement.
How It Works
Cashier types amount → QR with MCP bundle appears.
Customer scans & pays.
Pepay webhook confirms payment; receipt prints.
Works offline—QRs queue until connection resumes.
Why It Matters
Instant finality, zero FX fees, no hardware swap.
“Pennies to Teslas” scalability—any ticket size, same UX.
Every sale burns a bit of $RUNEY: built-in loyalty story for crypto crowds.
6 · Crowdfunding & Pre-Sale Platforms
Elevator Pitch Kickstarter-style campaigns that accept any token while tracking progress in fiat.
How It Works
Creator sets goal & accepted tokens.
Backers pledge; Pepay swaps in-flight to campaign treasury.
Real-time USD dashboard; milestone-based vesting.
Why It Matters
Eliminates volatility for project owners.
Backers pledge with on-hand coins—no off-ramp friction.
Built-in escrow / vesting = higher trust, less fraud.
7 · Payroll & Mass Payouts
Elevator Pitch Bulk-payment wizard for DAOs, esports teams, global startups.
How It Works
HR uploads CSV (
address, amountUSD).Pepay batches swaps, nets gas, executes multi-send across chains.
Ledger returns fiat-exact receipt per employee.
Why It Matters
One-click weekly payroll, no manual swaps.
Contributors choose token; company books clean USD expense.
Beats Wise/Payoneer fees for emerging-market talent.
8 · Real-World Asset (RWA) Settlement Rail
Elevator Pitch Pepay serves as the compliant settlement layer for tokenized invoices, real-estate shares, carbon credits.
How It Works
Buyer pays with any token; funds escrow until off-chain asset transfer.
Seller receives stablecoin immediately upon oracle confirmation.
Hash-linked audit trail logged on-chain.
Why It Matters
Replaces slow, expensive banking rails.
Non-custodial flow meets “no-commingling” rules.
Precise fiat parity keeps auditors and regulators happy.
Bill Walsh, Jeff Bezos, Walt Disney—same principle: Execute flawlessly on what you control; the score (and revenue) takes care of itself.
Pepay gives builders that control—outside the AI-agent niche—unlocking fee-generating volume across commerce, gaming, finance, and the physical world.
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