CPAY

CPAY is a non-custodial crypto payment and wallet infrastructure platform for businesses, enabling merchants, fintech operators, and high-risk industry verticals to accept, hold, and move cryptocurrency without a third party taking custody of funds. Founded in 2022 under the tagline Decentralized Infrastructure for Crypto, the platform reports over 50 clients, more than four million transactions processed, and 100,000-plus active users. The platform core architectural choice is the non-custodial model: when a customer pays through a CPAY checkout, the on-chain transaction goes directly to the merchant own wallet address. CPAY monitors the blockchain, verifies confirmations, and fires a signed webhook to the merchant backend, but the platform never holds, routes, or freezes funds. This removes CPAY as a counterparty in the settlement flow and eliminates custody risk for merchants. The platform is modular: operators can adopt a single layer or combine all five into a full-stack infrastructure deployment. The five product layers are: Crypto Payment Gateway, Wallet-as-a-Service, Agentic Payments, White-Label Solutions, and KYC and AML Compliance. The payment gateway generates unique on-chain addresses for each order, monitors confirmations across supported networks, and optionally triggers an auto-swap to stablecoins at settlement. Integration options include a full REST API, a hosted checkout page, an embeddable iFrame widget, and a WooCommerce plugin for e-commerce stores. Outgoing transfers cost only network gas fees; incoming payments carry a flat 0.5% fee with volume-based discounts for high-throughput merchants. The Wallet-as-a-Service layer provisions one wallet per end-user with multi-chain addresses. CPAY implements Multi-Party Computation for key management, splitting signing authority across encrypted key shares rather than relying on a single private key, which eliminates seed-phrase vulnerabilities. The SDK ships for web JavaScript, iOS, and Android. Supported operations through a single integration point include deposits, withdrawals, internal transfers, asset swaps, and mass payouts. The Agentic Payments layer targets AI agent use cases: CPAY has integrated an MCP Server so that large-language-model agents can trigger payment operations natively, and supports the x402 protocol for HTTP-native payments between autonomous software agents. Controlled agent wallets allow developers to set spend limits and approval conditions on funds managed by AI systems. White-label solutions allow businesses to deploy fully branded gateways and wallets under their own domain, targeted at neobanks, payment service providers, and licensed fintech operators. The KYC and AML compliance layer provides automated identity verification, transaction monitoring, and sanctions screening without requiring a separate third-party integration, which matters for CPAYs target verticals in iGaming, forex, and contracts-for-difference brokerage where regulatory scrutiny on incoming crypto flows is high. CPAY operates across eight live blockchains: Ethereum, Tron, Base, Polygon, BNB Chain, Solana, Arbitrum, and Bitcoin. More than 100 assets are supported, including BTC, ETH, USDT, USDC, SOL, and BNB. New assets can be added within 24 hours upon merchant request. On security, CPAY documents MPC-based key share architecture, encrypted key storage with separate password protection, and mandatory multi-factor authentication. The platform describes conducting independent third-party security audits on a regular cycle, though specific audit firms and published reports are not publicly listed as of mid-2026. No named founders or leadership team are disclosed on the CPAY website. The company directs business development inquiries to [email protected]. The platform has been operational since 2022. Solana is one of eight networks that CPAY treats as a first-class integration, meaning SOL and Solana-native tokens including USDC on Solana are routable through the same payment gateway and wallet SDK tooling as Ethereum or Bitcoin. For Solana builders, this matters at the infrastructure layer: applications requiring fiat-equivalent settlement or embedded wallet functionality can integrate CPAYs SDK without building payment processing in-house. The non-custodial architecture aligns with Solanas permissionless design, since merchant wallets receive on-chain settlements directly. CPAYs agentic payments work, including x402 and MCP Server support, is also relevant to the emerging Solana AI agent ecosystem, where micropayment settlement speed and programmable wallet controls are active design constraints.