On-chain proof for the PayAccept trust layer.

PayChain is the evidence anchoring layer behind PayAccept AgentPay and Commerce — not a new blockchain or L1. It commits receipts, delivery proof, settlement batches, and dispute timelines so merchants, developers, and agents can prove what happened after stablecoins move.

Payment via AgentPay (x402) or PayAccept Commerce
→ PayAccept Trust Layer verifies payment & creates receipt
→ Delivery proof recorded (when applicable)
→ Settlement batch created (batched)
→ Hash anchored on PayChain
→ Webhook, dashboard & reconciliation update

What is PayChain?

PayChain records and verifies commitments around PayAccept payments: x402 API receipts, Commerce checkout receipts, proof of delivery, settlement batches, and policy references. Stablecoins still move the money. PayAccept Trust Layer still operates receipts and compliance. PayChain anchors evidence for dashboards, webhooks, partners, and disputes.

How it fits the stack

Stablecoins (USDC, EURC, etc.) — payment money
x402 — agent and paid-API protocol
PayAccept AgentPay + Commerce — gateway, checkout, routing
PayAccept Trust Layer — receipts, binding, policy, reconciliation
PayAccept Protocol Router — x402, AP2, ACP orchestration
PayChain — on-chain proof and settlement commitments
PAYT — ecosystem incentives (optional; not required to pay)

What PayChain will anchor

Only hashes and references go on-chain — never private customer data.

Payment and receipt commitments
Proof of delivery for APIs and commerce
Dispute evidence package timelines
Settlement batch Merkle roots
Merchant and developer reputation signals
Agent spending policy hashes (off-chain policy, on-chain reference)

What PayChain is not

We are not launching an Ethereum or Solana competitor, a speculative L1, or the reason payments work. PayChain does not replace stablecoin settlement, the Trust Layer, or AgentPay/Commerce.

Availability

PayChain ships after the core trust layer is live — authorize, pay, settle, prove, reconcile. Early access follows merchant and developer traction.

PayAccept Trust Layer Talk to our team

Get notified at launch

Join the waitlist for early access to PayAccept AgentPay, Commerce, and Trust Layer updates.