Open-source, modular Bitcoin payment infrastructure. Accept fiat and crypto across multiple rails. Settle in bitcoin or in the stablecoin that works best for your market.
P2Pay is chain-agnostic. We do not pick chains for ideology — we pick them for what actually works. The settlement layer is Bitcoin or a Bitcoin-native stablecoin, depending on what the market needs and what the best available integration supports. Today that means BTC on-chain, Lightning, and Liquid — because Liquid gives us Bitcoin-native stablecoins such as USDt, BRLz, EURx, and more, without altcoin exposure. That may evolve. The principle will not.
- Settlement-first — bitcoin or a Bitcoin-native stablecoin is the final layer
- Chain-agnostic — best rail wins, always
- Multi-rail — fiat, cards, P2P, and crypto as entry rails
- Self-custodial by default
- Vendor-neutral
- KYC-free where legally possible
- Built for failure scenarios, not demo environments
- MIT licensed. Forever open.
| Rail | Status | Notes |
|---|---|---|
| BTC on-chain | ✅ Live | Via BTCPay Server |
| Lightning | ✅ Live | Via BTCPay Server · Boltz swaps |
| Liquid Network | ✅ Live | USDt, BRLz, EURx, L-BTC · Aqua wallet · SamRock Protocol for BTCPay linking |
| Peach P2P | ✅ Live | KYC-free BTC rail |
| RoboSats P2P | ✅ Live | Lightning-native P2P exchange |
| Credit / debit card | 🔄 In progress | Up to $800 KYC-free via Guardarian |
| Russian local payment methods | 🔄 In progress | 4 methods · up to $1,000 |
| Pix (Brazil) | 📋 Planned | Coming on multiple rails |
| ueno / uPay / uPOS | 📋 Planned | Local rails via Moonshot grant |
P2Pay is not only about accepting payments. It is also about moving value across the rails that actually work in each market.
Through Aqua and our wallet fork, swaps between currencies supported by the wallet will always be possible at the lowest available market rate through the best integration we can expose.
That means a merchant can accept on one rail, settle on another, and still keep spending optionality:
- BTC / Lightning / Liquid for native Bitcoin settlement
- Liquid stablecoins such as USDt, BRLz, and EURx when local market conditions make them more practical
- Revolut as a fiat exit path in Europe
- Belo as a LATAM-friendly exit path, especially for BTC and USDT on Polygon
- Offramp.xyz as a broader global spending and off-ramp option where supported
The principle is simple:
accept where conversion works, settle where custody is strongest, and spend where the region is actually supported.
Regional and asset availability may vary depending on the provider. Some off-ramp paths may be limited by jurisdiction or available only for specific assets.
Main repository. Core application logic, rail integrations, payment flows, dashboard, and mini-app surfaces. Active development happens here.
Mobile wallet forked from Aqua. Merchant-controlled signing, swaps, and self-custodial settlement flows. Liquid-native by default. Part of the P2Pay architecture, not a standalone product.
Upcoming Nuxt mini app embedded in the wallet. Extends P2Pay payment flows through a wallet-native interface.
P2Pay exists for cases where traditional payment stacks break down:
- merchants that need fiat reach without fiat custody
- cross-border businesses with unreliable banking access
- high-risk but fully legal industries
- users in emerging markets
- builders who want modular Bitcoin-native payment infrastructure
If payment platforms work fine for you, P2Pay is not for you. If they do not, this is yours.
Commercial architecture advisory, integration design, and implementation support are available separately via Blockchange.
For teams looking for production-ready, commercial payment architecture solutions today, Blockchange provides independent multi-rail payment advisory: https://www.blockchange.expert/en/#book
