Architecting the
Machine Economy
ZPAY is the autonomous financial routing layer designed for a world where humans and AI agents transact seamlessly, instantly, and at near-zero cost.
Our Journey
The Friction Point
Autonomous AI agents began writing code, calling APIs, and generating value. But every API required a human credit card, a manual 2FA SMS code, or high-fee payment processors. The machine economy was stuck in a 1970s banking paradigm.
The Stellar Breakthrough
We chose the Stellar Consensus Protocol for its unmatched sub-cent fees ($0.00001 per tx) and sub-3 second settlement times. We built the ZPAY core pathfinding engine to route cross-currency payments without intermediary spreads.
x402 & UPI Bridge
We integrated native HTTP 402 Payment Required headers into our SDKs, enabling pay-per-use API calls. Simultaneously, we built the Indian UPI Bridge, allowing users to spend crypto balances at any offline merchant QR code.
The Autonomous Layer
Today ZPAY routes transactions for developers, AI agents, and global merchants — powering trustless Soroban smart escrows, instant split payouts, and gasless user transactions.
Built Different By Design
Stellar Consensus Core
Settles transactions in < 3 seconds with sub-cent fees. No energy-wasting mining or multi-dollar gas spikes.
Soroban Smart Escrow
Rust-based, formal-verified smart contracts handling automated multi-party splits and conditional milestone payouts.
Native x402 Micropayments
Implemented directly into AI SDKs to let LLMs pay per API call seamlessly without human intervention.
Join the Autonomous Economy
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