Payram Stablecoin Payments

PayRam Stablecoin Gateway

First time with PayRam? See payram-setup to configure your server, API keys, and wallets.

PayRam's Private Stablecoin Gateway enables businesses to accept USDT and USDC directly—no volatility, no intermediary custody, complete sovereignty.

Why Stablecoins for Payments

Price Stability: 1 USDT ≈ 1 USD. No Bitcoin/ETH volatility risk during payment window.

Global Settlement: Instant cross-border payments without SWIFT delays or correspondent banking.

Lower Fees: On-chain fees (especially on L2s like Base, Polygon) are fractions of traditional payment processing.

24/7 Availability: No bank holidays, no cutoff times, no weekend delays.

Supported Stablecoins & Networks

Chain Selection Strategy:

• High volume, low value: Tron (USDT) or Base (USDC) — sub-cent fees
• Enterprise/high value: Ethereum — maximum security, higher fees
• Balanced: Polygon — low fees, good security

Architecture: Private Stablecoin Gateway

PayRam's stablecoin handling is architecturally distinct from hosted processors:

Deposit Flow:

1. Customer requests payment → PayRam generates unique deposit address
2. Customer sends USDT/USDC to deposit address
3. PayRam detects on-chain transfer
4. Smart contract sweeps funds to your cold wallet
5. Webhook fires to your backend

Key Differentiators:

• Unlimited deposit addresses: Each transaction gets a unique address (industry first)
• Zero-key-exposure: Only the hot wallet key is on the server (encrypted, gas-only — no access to deposit funds). Smart contracts hardcode sweep destinations on-chain — a server breach cannot redirect deposit funds.
• Smart contract sweeps: Automated, immutable fund consolidation to your cold wallet
• Your cold wallet: Funds settle to wallets you control

Integration

MCP Server Tools

cd payram-mcp && yarn dev

Use standard payment tools—stablecoin vs crypto is configured at the PayRam dashboard level:

Payment Creation

Same API as general crypto payments—PayRam presents available chains/tokens based on your configuration:

const response = await axios.post(
  `${PAYRAM_BASE_URL}/api/v1/payment`,
  {
    customerEmail: 'customer@example.com',
    customerId: 'user_123',
    amountInUSD: 100, // Customer pays ~100 USDT/USDC
  },
  { headers: { 'API-Key': PAYRAM_API_KEY } },
);
// Redirect to response.data.url
// User selects USDT on Tron, USDC on Base, etc.

Webhook Payload for Stablecoins

{
  "type": "payment.successful",
  "data": {
    "reference_id": "abc123",
    "amountInUSD": 100,
    "chain": "tron",
    "token": "USDT",
    "tokenAmount": "100.000000",
    "txHash": "0x...",
    "depositAddress": "T..."
  }
}

Cold Wallet Setup for Stablecoins

EVM Chains (Ethereum, Base, Polygon)

1. Deploy sweep contract via PayRam dashboard
2. Use same cold wallet address across all EVM chains (address format compatible)
3. Funds auto-sweep when threshold reached

Tron

1. Deploy separate Tron sweep contract
2. Use Tron-format cold wallet (starts with T)
3. TRX required in hot wallet for energy/bandwidth

Settlement & Reconciliation

Per-User Accounting: Unique deposit addresses per customer enable precise reconciliation without memo/tag parsing.

Real-Time Dashboard: PayRam dashboard shows deposits, sweeps, and balances per chain/token.

Export: Transaction history exportable for accounting integration.

Use Cases

• E-commerce: Accept stablecoin payments, settle in USDT/USDC
• B2B Invoicing: Large-value international payments without wire fees
• Payroll: Pay contractors in stablecoins globally
• iGaming: Instant deposits/withdrawals in stable value
• Remittance: Cross-border transfers at near-zero cost

All PayRam Skills

Support

Need help? Message the PayRam team on Telegram: @PayRamChat

• Website: https://payram.com
• GitHub: https://github.com/PayRam
• MCP Server: https://github.com/payram/payram-mcp