Introduction To 3PAY

What is 3PAY?

3PAY is a stablecoin-based payment solution that enables businesses to accept, hold, and send digital payments globally with instant settlement, predictable fees, and minimal banking friction.

3PAY replaces slow and expensive traditional payment rails with blockchain-powered stablecoin infrastructure, while maintaining the operational discipline required by modern businesses.

Who is 3PAY for?

3PAY is built for businesses that need fast, reliable, and borderless payments, including:

• Merchants & E-commerce platforms
• FX brokers and financial service providers
• Marketplaces and platforms
• Companies operating in high-friction or cross-border markets

If your business struggles with slow settlements, high fees, or unreliable banking access, 3PAY is designed for you.

What problems does 3PAY solve?

Traditional payment systems suffer from:

• Long settlement times (T+1 to T+5)
• High intermediary fees
• Geographic and banking restrictions
• Operational complexity across multiple providers

3PAY solves this by:

• Enabling near-instant settlement
• Using stablecoins to eliminate volatility
• Reducing dependency on legacy banking rails
• Providing clear APIs and dashboards for control and visibility

How 3PAY works (high-level)

At a high level, 3PAY operates through the following flow:

1. A customer initiates a payment using a supported stablecoin

2. Funds are transferred on-chain to a 3PAY-managed wallet

3. Transactions are recorded in an off-chain ledger for reporting and reconciliation

4. Merchants can:

   • Hold funds
   • Transfer internally
   • Withdraw to external wallets
   • Trigger payouts via API

All flows are designed to be transparent, auditable, and predictable.

Supported assets & networks

3PAY currently focuses on stablecoins to ensure price stability and operational clarity.

Supported assets and networks may include:

• USDT
• USDC
• Major blockchain networks (details in later sections)

ℹ️

Supported assets and networks may expand over time. Always refer to the latest documentation.

Custody & control model

3PAY is designed with a controlled operational custody model, balancing usability, security, and compliance.

• Merchants maintain visibility over balances and transactions
• Access controls and permissions are enforced
• Transactions are monitored for risk and compliance

Detailed custody and security models are covered in later sections.

Fees & pricing (overview)

3PAY uses a transparent, usage-based pricing model, which may include:

• Pay-in fees
• Pay-out fees
• Network transaction costs
• Volume-based pricing tiers

Full pricing details are available in the Pricing & Limits section.

Compliance-first approach

3PAY is built with compliance in mind from day one.

This includes:

• Merchant KYC / KYB
• Transaction monitoring
• Jurisdictional restrictions
• Risk-based account controls

Compliance requirements vary by merchant type and volume.

What’s next?

To continue:

• Learn How 3PAY Works for a deeper flow explanation
• Follow Create Your First Account to get started
• Jump directly to Make Your First Test Payment if you’re ready to integrate

Final note

3PAY is designed to be boringly reliable.

Our goal is not to experiment with payments — it’s to give businesses a modern, dependable payment rail they can build on with confidence.