PayAI Network
- Company typePrivate
- Founded2025
- HeadquartersNot specified, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
PayAI Network firmographics
Firmographics- Name
- PayAI Network
- Legal name
- PayAI Network, LLC
- Website
- https://payai.network
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
PayAI Network industry classification
Industry- Product category
- Blockchain Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ)
- akta.pro secondary industries
- Crypto Payment Gateways & Checkout APIs (FSADAIAA), Micropayments & Streaming Payments (Crypto) (FSADAIAM)
Keywords
Where PayAI Network is headquartered
LocationHeadquarters
- HQ city
- Not specified
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PayAI Network business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations
Revenue model
- Transaction/Settlement Fees: Pay-per-transaction model where merchants pay per settlement processed through the facilitator. Free tier includes 10,000 settlements/month, then $0.001 per transaction. High-volume merchants purchase credits through Merchant Portal.
- Token Discount Program: 10% discount on credit purchases when paying with $PAYAI tokens, encouraging token utility and adoption
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with 10,000 monthly settlements |
| Usage-based | Pay-as-you-go | Pay As You Go at $0.001 per settlement |
| Subscription | Multi-year contract | Custom enterprise pricing for high-volume merchants |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
PayAI Network product offering
Product offeringCore offering
PayAI Network operates a multi-network x402 payment facilitator that enables AI agents and applications to accept stablecoin micropayments across 12+ blockchain networks (Solana, Base, Polygon, Arbitrum, Avalanche, Sei, SKALE, X Layer, IoTeX, Peaq, KiteAI) through a single drop-in endpoint. The facilitator handles payment verification, on-chain settlement, and gas fee coverage, with no API keys required on the free tier. It is the largest x402 facilitator on Solana, processing over 90% of real x402 transactions on the network.
Product overview
PayAI Network is a multi-network x402 payment facilitator enabling AI agents and applications to accept and send stablecoin micropayments via the HTTP 402 protocol. The core product is the x402 Facilitator, which provides a single drop-in endpoint for multi-chain micropayment settlement across 12+ networks (Solana, Base, Polygon, Arbitrum, Avalanche, SKALE, IoTeX, Peaq, XLayer, KiteAI, Sei) with sub-second finality and sub-cent fees. It is offered alongside a Merchant Portal for credit/API key management, x402 Echo for live payment testing, and a Token Gateway and Payment Splitting (both in development). The $PAYAI token provides platform utility including a 10% discount on facilitator fees. Pricing is tiered: free (10,000 settlements/month), pay-as-you-go ($0.001/settlement), and enterprise.
Differentiator
Problem solved
Functional benefit
Products and services
- x402 Facilitator
- Merchant Portal
- x402 Echo Merchant
- @payai/facilitator (npm package)
- @payai/x402-next-starter
- $PAYAI Token
Quantifiable outcome
- Sub-second payment settlement on Solana with 1,396ms average and 1,296ms median
- +4 more outcomes
Companies that use PayAI Network
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
PayAI Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
AI capability4 records
Feature5 records
PayAI Network partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- Solana FoundationcoreSolana is the primary network for PayAI's x402 facilitator, optimized for sub-second finality and sub-cent fees. PayAI is the largest x402 facilitator on Solana handling over 90% of real transactions.
- Base (Coinbase L2)coreBase is a supported EVM network for x402 payments. PayAI facilitates payments across Base with same SDK and endpoints as Solana.
- PolygoncorePolygon is a supported EVM network for x402 payments, enabling Polygon-based dApps and services to accept stablecoin micropayments.
- AvalanchecoreAvalanche is a supported network for x402 payments, providing sub-second finality for micropayment settlements.
- SKALEcoreSKALE is a supported network for x402 payments, enabling SKALE-based applications to accept agentic payments.
- SeicoreSei is a supported network for x402 payments, providing high-performance blockchain infrastructure for micropayments.
- X LayercoreX Layer is a supported network for x402 payments, OKX's ZK Layer 2 for Web3 ecosystem integration.
- IoTeXcoreIoTeX is a supported network for x402 payments, enabling IoT device micropayments and machine-to-machine transactions.
- PeaqcorePeaq is a supported network for x402 payments, focused on DePIN and machine economy applications.
- KiteAIcoreKiteAI is a supported network for x402 payments, enabling AI-focused applications on the platform.
- ArbitrumcoreArbitrum support added June 2026. Ethereum's largest L2 holds $3.87B in stablecoins with USDC making up $2.34B. Enables EVM-native agent payments and API monetization for Ethereum builders.
- BlockruncoreBlockrun builds ClawRouter, an AI-native API gateway that uses PayAI for Solana settlement. Processed 27,217 settlements in 63 days, demonstrating real-world x402 micropayment infrastructure at scale.
- x402 Foundationcorex402 Foundation co-founded by Cloudflare and Coinbase in September 2025. PayAI is an active facilitator in the x402 ecosystem operating the open protocol standard.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
PayAI Network competitors and assessment
Company assessmentBroad incumbents
- Thirdweb: Thirdweb is a web3 infrastructure platform offering payments, smart contracts, and commerce tools across multiple chains. It overlaps with PayAI on multi-chain developer tooling and on-chain payment integration for apps and agents.
- Cloudflare: Cloudflare co-founded the x402 protocol in September 2025 and operates its own x402 facilitator and edge-payment infrastructure. As protocol steward and infrastructure incumbent, it can compete directly with PayAI at the facilitator layer while also defining the standard.
- BitPay: BitPay is an established crypto payment processor and merchant gateway supporting multiple chains and stablecoins. While it targets traditional merchants more than AI agents, it competes in the same stablecoin-payment-facilitator category.
- Circle: Circle is the issuer of USDC and EURC — the primary settlement assets on PayAI's facilitator. As a stablecoin issuer and infrastructure provider, Circle competes upstream in the payment-rail stack and could vertically integrate into facilitator services.
Direct peers
- NOWPayments: NOWPayments is a crypto payment gateway and processor offering merchant-of-record services across many chains and tokens. It is a direct comparable for multi-chain crypto payment facilitation, though with a more traditional-merchant focus.
- CoinGate: CoinGate is a crypto payment gateway and merchant processor accepting multiple coins and stablecoins across chains. Comparable to PayAI on the merchant-facing payment-facilitation layer, though focused on traditional e-commerce rather than agentic commerce.
- Coinbase Commerce: Coinbase Commerce is the merchant-facing crypto payment gateway from Coinbase, which co-founded x402. It accepts stablecoin and crypto payments from merchants and overlaps directly with PayAI's merchant-facing micropayment facilitation use case, particularly on Base.
- Nevermined: Nevermined is an agentic payments platform purpose-built for AI agents paying for APIs, data, and services — the same core use case as PayAI. It supports x402-style payments and competes head-on in the agentic micropayments niche.
Emerging players
- Crossmint: Crossmint provides agentic commerce and onchain payments infrastructure for AI agents and autonomous systems. It overlaps with PayAI on the AI-agent-payment thesis, with a broader wallet and NFT-commerce orientation.
Regional players
- MoonPay: MoonPay is a crypto on/off-ramp and payments infrastructure provider with broader retail focus. While it overlaps with PayAI in the crypto-payments infrastructure layer, it primarily serves fiat-to-crypto conversion rather than agent-to-agent micropayments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
PayAI Network social profiles
Digital presencePayAI Network compliance and trust
Trust signalCompliance1 record
PayAI Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayAI Network leadership team
Management profileNumber of profiles
Profiles1 record
PayAI Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayAI Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayAI Network
What does PayAI Network do?
PayAI Network operates a multi-network x402 payment facilitator that enables AI agents and applications to accept stablecoin micropayments across 12+ blockchain networks (Solana, Base, Polygon, Arbitrum, Avalanche, Sei, SKALE, X Layer, IoTeX, Peaq, KiteAI) through a single drop-in endpoint. The facilitator handles payment verification, on-chain settlement, and gas fee coverage, with no API keys required on the free tier. It is the largest x402 facilitator on Solana, processing over 90% of real x402 transactions on the network.
Is PayAI Network a public or private company?
PayAI Network is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayAI Network founded?
PayAI Network was founded in 2025. It employs 1 to 10 people.
Where is PayAI Network based?
PayAI Network is headquartered in Not specified, United States, in the North America region.
How does PayAI Network make money?
Two revenue lines are on record. Transaction/Settlement Fees are the primary driver. The others are token Discount Program.
Who are PayAI Network's main competitors?
Broad incumbents on record are Thirdweb, Cloudflare, BitPay and Circle. Direct peers are NOWPayments, CoinGate, Coinbase Commerce and Nevermined. Crossmint is listed as an emerging player. MoonPay is listed as a regional player.
Does PayAI Network have an API?
Yes. The PayAI facilitator exposes REST endpoints (/verify, /settle, /supported, /list) for x402 payment verification and settlement across multiple blockchain networks. Developers integrate via @payai/facilitator package (TypeScript/npm) or x402 packages (Python/pip, Go). No API keys required on free tier; production requires merchant account with API key credentials (PAYAI_API_KEY_ID and PAYAI_API_KEY_SECRET). The facilitator handles multi-chain payment verification, on-chain settlement submission, and gas fee coverage for both buyers and merchants. Developer documentation is at docs.payai.network.
What industry is PayAI Network in?
PayAI Network's product category is Blockchain Payment Infrastructure. Its primary akta.pro industry code is FSADAIAJ, Payment Orchestration, Routing & Smart Transaction Management (Crypto), with a secondary code of FSADAIAA, Crypto Payment Gateways & Checkout APIs. Its NAICS code is 522320 and its SIC code is 6200.