CPAY

CPAY is a non-custodial crypto payment infrastructure platform launched in 2022, designed to give businesses a full-stack toolkit for accepting, processing, and managing cryptocurrency payments without relinquishing custody of funds. Built around the principle that merchants should control their own private keys, CPAY positions itself as an alternative to custodial payment processors by keeping clients in direct control of their assets at every stage of a transaction.

Core Products

Crypto Payment Gateway

CPAY's primary offering is a hosted payment gateway that lets merchants accept over 100 digital assets — including USDT, USDC, Bitcoin, Ethereum, and Binance Coin — through a single integration. Merchants can deploy the checkout via a direct payment link, iFrame embed, or open API, and the platform advertises a same-day go-live for most businesses. Transaction fees are stated at under 1% on incoming payments. Once a payment settles, merchants receive instant webhook callbacks, and an optional auto-swap feature converts received crypto to USDT in real time to eliminate price-volatility exposure. The gateway supports Ethereum, Bitcoin, Binance Smart Chain, Optimism, and over 100 other EVM-compatible networks, with new tokens addable within 24 hours on request.

Crypto Wallet

CPAY provides a non-custodial wallet available on web, Android, and iOS. Private keys are held exclusively by the account holder, protected by multi-layered security including multiple 2FA levels, auto-signature controls that require a signature file before any transaction executes, and optional password encryption on the private key itself. The wallet supports multi-chain asset management and integrates directly with the payment gateway to give merchants a unified view of incoming funds.

Wallet as a Service (WaaS) and Crypto as a Service (CaaS)

For developers and platforms that want to embed crypto wallet functionality into their own products without building from scratch, CPAY offers a WaaS layer that handles key management, transaction signing, and blockchain interaction through API calls. The broader CaaS offering extends this to include payment acceptance, asset storage, and transaction management as configurable services, letting platforms add crypto functionality to existing fintech stacks.

White Label Solutions

CPAY's white label products let businesses launch branded crypto payment gateways and wallets under their own names. Two deployment models are available: a SaaS model with a monthly subscription and limited source-code access, or an on-premise model that provides full source-code access for a one-time fee. The company states white label implementations can reach production in two to four weeks. Supported technology includes seedless self-custody via MPC wallets, account abstraction, gasless transactions, WalletConnect integration, and NFT marketplace support. Clients can also layer in fiat pairs and Visa or Mastercard crypto debit cards through a neobank infrastructure module.

KYC/AML and Compliance

CPAY bundles automated customer onboarding tools and AML/KYC screening directly into its platform. Businesses can run identity verification and transaction monitoring without connecting to a separate compliance vendor, which the company frames as a critical requirement for operating legally in most jurisdictions where crypto payment acceptance is regulated.

Agentic Payments Infrastructure

In mid-2026, CPAY published a strategic pivot toward what it describes as agentic payments — payment infrastructure designed to be operated by AI agents rather than human users. This roadmap is organized around four products.

The AI Copilot is a natural-language dashboard assistant that allows operators to query transaction status, investigate failed checkouts, debug webhooks, and generate financial reports through conversational prompts rather than manual navigation.

The MCP Server (Model Context Protocol) connects external LLMs and AI agents to CPAY's backend through scoped tool access, so automated systems can create checkouts, read transaction data, or trigger refunds with permissions tailored to their role — a support agent can read status only, a finance agent can pull reports, a sales agent can generate payment links.

Agent Wallets are wallets with enforced rules built in: spending limits, approved asset lists, network restrictions, and mandatory human approval thresholds. The stated design principle is that AI agents should not have unlimited access to funds, so every action is logged and larger transactions require explicit authorization.

Machine Payments enables stablecoin transfers between APIs and software services using machine-readable payment requests, allowing backend systems to settle with each other without a traditional checkout interface.

Security Model

CPAY's security architecture is centered on non-custody as a default. The platform does not hold client funds, which means a breach of CPAY's servers does not expose merchant balances. Transaction signing requires a signature file, adding a second factor beyond a password, and the private key can be additionally encrypted with a user-set password. Independent security audits are conducted on a periodic basis, though the company does not publicly identify the auditing firms or publish audit reports on its main website.

Scale and Adoption

As of 2026, CPAY reports more than 50 business clients globally, more than 100,000 active users across its wallet and gateway products, and over 4 million processed transactions. The platform's stated primary verticals include e-commerce, prop trading firms, fintech platforms, and crypto exchanges seeking to add white-label payment capabilities.

Business Model

CPAY operates on a fee-per-transaction basis for the payment gateway, with stated fees under 1% for merchants using the checkout product. For white label deployments, clients choose between a monthly SaaS subscription or a one-time on-premise licensing fee. Operators who deploy CPAY's white label infrastructure can layer in their own platform fees on top of CPAY's base costs, creating a margin-capture structure for resellers and fintech platforms.

Founded in February 2022, CPAY serves businesses seeking to accept crypto without giving up control of funds, with an expanding focus on the infrastructure layer connecting traditional payment operations to AI-driven automation.