3PAY: Institutional-Grade Stablecoin Infrastructure

3PAY is enterprise infrastructure for moving value over stablecoins—simply, fast, and securely. We enable regulated businesses, brokers, and platforms to accept digital payments globally, settle with confidence, and off-ramp to local currencies when required. With transparent fees and full control of funds, 3PAY reduces operating costs and unlocks scalable, cross-border growth without legacy friction.

Non-Custodial by Design

Unlike traditional gateways, 3PAY is non-custodial: funds remain under the merchant’s control at all times. This architecture elevates trust and security—similar to a personal wallet—while meeting the reliability, observability, and controls enterprises expect.

Built for Institutional Use Cases

Whether you’re a broker, a fintech, or a high-throughput merchant, 3PAY adapts to complex workflows. Global reach, policy-based approvals, role-based access, address allow-listing, and flexible settlement flows provide the foundation to operate confidently in a stablecoin-powered economy.

Documentation Map

1) Overview

What 3PAY is, key concepts (accounts, wallets, transactions, settlement), and how the non-custodial architecture works at a high level.

2) Solutions by Segment

How 3PAY fits your operating model:

• Brokers & Trading Platforms
• Enterprises & Fintechs
• iGaming & High-Volume Merchants
• E-Commerce & Marketplaces

3) Payment Flows

Operational guides for treasury and movement:

• Accepting Payments (on-chain, hosted checkout, API)
• Settlements & Off-Ramps (partners, reconciliation)
• Withdrawals (Automated vs. Manual with approvals)
• Fees & Pricing (transparent schedule and examples)

4) Security & Controls

Institutional controls and governance:

• Key management options and signer models
• RBAC, multi-user approvals, and policy workflows
• Allow-listing, audit logs, and monitoring

5) Developer Reference

Implementation details and examples:

• REST APIs & Webhooks
• SDKs and integration patterns
• Sandbox, test vectors, and step-by-step guides

If you want, I can tailor this further for a landing page hero + subhead + three proof-point bullets (e.g., “Non-custodial control,” “Institutional controls,” “Global settlement options”).