Self‑hosted onchain payments, at scale

PayRam exists to widen access to commerce. We help merchants and builders become their own payments processor, removing middlemen and settling funds directly onchain, on infrastructure they control. The goal is financial liberalization: zero gatekeepers, more choice, and money flows that answer to code and policy you define.

Financial liberalization (first principles)

Payments should expand opportunity, not restrict it. By self-hosting PayRam, operators keep custody, set rules locally, and compose the services they actually need.

• Sovereignty over wallets, data, and cash flows.
• Choice of networks and assets, with policy expressed as code.
• Compliance as a module you add, not a chokepoint that blocks.
• Resilience to freezes, reversals, and offboarding.

Stablecoins as the practical rail

Stablecoins turn cross-border payments into a minutes-long task and make pricing predictable.

• Invoice and settle in stable value; reduce FX slippage and volatility risk.
• Run payroll, partner payouts, and rewards across borders with clear amounts.
• Automate treasury routing, buffers, and conversions by policy.
• Keep the option to receive or sweep into BTC or ETH when you choose.

What is broken in the industry

Despite programmable money, most merchants and builders still rely on custodial platforms.

• Funds can be frozen, outcomes reversed, or accounts offboarded.
• Policies are enforced by tickets rather than code you control.