The world's first self-hosted stablecoin payment gateway with MCP integration. No signup. No KYC. No middleman. Deploy in 10 minutes. Built for humans and autonomous agents.
In the autonomous economy, your agent needs to move money without asking permission. PayRam makes that possible.
Other gateways require signup, API keys, KYC verification, and ongoing compliance reviews that can revoke your access at any time. PayRam deploys on your server. There is no account to create and no authority that can disable it. Your agent's payment capabilities are permanent and sovereign.
PayRam ships a production MCP server that exposes payment tools directly to any MCP-aware client — Claude, Copilot, custom agents, n8n workflows. Tools include create-payee, send-payment, get-balance, generate-invoice, and test-connection. Your agent discovers capabilities automatically via the MCP handshake.
In x402, every HTTP payment call inherently exposes client metadata: IP addresses, request headers, timestamps, and wallet signatures — creating traceable patterns that link web2 identity to on-chain activity. With PayRam, your agent generates unique deposit addresses and monitors deposits server-side. The payer and the infrastructure never touch a third-party facilitator. Complete identity isolation.
While BTCPay Server requires complex plugins for non-Bitcoin assets, PayRam supports USDT/USDC natively across Ethereum, Base, Polygon, Tron, and TON — the chains where real commercial volume flows. Bitcoin is also supported. Agents can specify chain preference per transaction.
The internet is entering its payments era. Protocols like x402 are making HTTP-native payments a reality. But protocols need infrastructure. PayRam is to crypto payments what WordPress is to web publishing — neutral, self-hosted infrastructure that you own and operate permanently. Whether you're building an AI agent marketplace, a SaaS platform with embedded payments, or an autonomous commerce system, mastering self-hosted payment infrastructure isn't optional. It's the foundational skill for internet commerce in the agent age. PayRam is the fastest path to acquiring it.
Every pillar is a capability you gain permanently when you deploy PayRam. No recurring fees. No permission required.
No accounts, no onboarding forms, no waiting for approval. Deploy the binary, connect your wallets, start accepting payments. Your agent or your team can be live in under 10 minutes.
PayRam is infrastructure, not a financial institution. Like a web server, it doesn't ask who you are. Operator compliance is your responsibility — PayRam gives you the tools without the gatekeeping.
Your server. Your database. Your SSL. Your cold wallets. Every byte of transaction data lives on infrastructure you control. No third party can access, freeze, or censor your payment operations.
Payments flow directly from payer to your smart contracts, then sweep to your cold wallet. No facilitator taking a cut. No intermediary holding your funds. Peer-to-peer by architecture, not by marketing.
Runs on public blockchains. No entity can revoke your ability to receive payments. Unlike hosted gateways, there's no terms-of-service that can be changed to exclude your industry overnight.
Hosted checkout for human buyers. Headless API for programmatic flows. MCP server for autonomous agents. x402-compatible for HTTP-native payments. One infrastructure, every use case.
x402 is a protocol. PayRam is the sovereign infrastructure that makes it work without sacrificing privacy or control.
The x402 protocol embeds payment data directly into HTTP headers. This creates traceable links between web2 metadata and on-chain transactions.
PayRam acts as your self-hosted facilitator and settlement engine. You get x402 compatibility without the privacy tradeoffs.
// Standard x402 flow — identity exposed Client → HTTP GET /resource → Server returns 402 Payment Required Client → Signs payment with wallet → X-PAYMENT header includes wallet + amount Server → Sends to Coinbase Facilitator for verification ← centralized, logs everything Result: Client IP + wallet + timestamp + resource = full identity graph // PayRam-backed flow — identity isolated Agent → Calls PayRam MCP: create_payment → Gets unique deposit address Payer → Sends stablecoin to deposit address → standard on-chain transfer PayRam → Detects deposit, confirms, triggers webhook → all on YOUR server PayRam → Smart contract sweeps to cold wallet → policy-driven, keyless Result: Payer sees only a deposit address. No facilitator. No identity linkage.
Walk through these questions to find the right infrastructure for your use case. Compare honestly — then decide.
You need a self-hosted solution. Hosted gateways (Stripe, Coinbase Commerce, NOWPayments) can change terms, freeze funds, or shut you down. Continue to Q2.
Consider hosted options: Coinbase Commerce for simple crypto, NOWPayments for multi-coin, or Stripe for fiat + limited crypto. Accept the tradeoffs of third-party dependency.
PayRam is stablecoin-native. It supports USDT/USDC on EVM, Tron, and TON out of the box — no plugins needed. BTCPay Server requires complex third-party integrations for stablecoin support. Continue to Q3.
BTCPay Server is excellent for Bitcoin-only use cases. It pioneered self-hosted Bitcoin payments and has a mature Lightning Network integration. PayRam also supports BTC but is optimized for stablecoin-first workflows.
PayRam + MCP is purpose-built for this. Agents discover payment tools via the MCP handshake. Headless APIs support programmatic flows. No human-in-the-loop required for standard operations. BTCPay has no MCP integration. x402 alone exposes client identity.
PayRam's hosted checkout works beautifully for human buyers. But if you don't need agent capabilities, BTCPay Server is also a strong choice for human-facing Bitcoin payments.
PayRam is built for you. No terms of service that excludes your industry. No compliance review that can revoke access. Permissionless architecture means nobody can shut your payments down. You handle your own compliance — PayRam provides the neutral infrastructure.
You have more options, but the sovereignty argument still applies. Any hosted gateway can change policies. PayRam's 0% processing fee vs. 1-3% at hosted gateways saves significantly at scale.
PayRam wins decisively. Unique deposit addresses per transaction, no third-party facilitator logging metadata, all data on your server. x402's HTTP-based flow creates identity graphs. Hosted gateways log everything.
Any solution works. But even transparent businesses benefit from data sovereignty — knowing that only you hold your transaction data, not a third party that could be breached or subpoenaed.
Self-hosted. Stablecoin-native. Agent-ready. Privacy-first. Permissionless. Deploy in 10 minutes and own it forever.
We respect every project in this space. Here's how they differ on the dimensions that matter.
| Capability | PayRam | BTCPay Server | NOWPayments | x402 (Protocol) |
|---|---|---|---|---|
| Self-Hosted | ✓ Full stack on your VPS | ✓ Self-hosted | ✗ Hosted SaaS | ~ Server-side only |
| Stablecoin Native | ✓ USDT/USDC first-class | ~ Via plugins | ✓ Multi-token | ~ USDC only (EIP-3009) |
| No Signup / No KYC | ✓ Deploy and go | ✓ Self-managed | ✗ Account required | ✓ Wallet-based |
| MCP Integration | ✓ Production MCP server | ✗ None | ✗ None | ✗ Not applicable |
| Agent-Friendly API | ✓ Headless + MCP | ~ REST API | ~ REST API | ✓ HTTP-native |
| x402 Support | ✓ As settlement layer | ✗ No | ✗ No | ✓ Native |
| Privacy / Isolation | ✓ No identity leakage | ✓ Self-hosted data | ✗ They hold data | ✗ HTTP metadata exposed |
| Processing Fees | ✓ 0% (gas only) | ✓ 0% (gas only) | ✗ 0.5–1% | ✓ Network fees only |
| Multi-Chain | ✓ BTC, EVM, Tron, TON | ~ BTC + limited alts | ✓ 200+ coins | ~ Base, Solana |
| Deploy Time | ✓ ~10 minutes | ~ 30–60 min | ✓ Instant (hosted) | ~ Varies |
| High-Risk Friendly | ✓ Permissionless | ✓ Permissionless | ✗ Subject to ToS | ✓ Open protocol |
| Cold Wallet Sweeps | ✓ Smart contract policy | ~ Manual | ✗ N/A | ✗ N/A |
Three steps from zero to accepting sovereign stablecoin payments on your own infrastructure.
One command installs the entire PayRam stack on your VPS via Docker. Ubuntu 22.04+, 8 CPU cores, 8GB RAM, 100GB SSD.
Add the PayRam MCP endpoint to your agent's configuration file. Works with Claude, Copilot, custom MCP clients, and n8n.
Your agent discovers tools automatically. Create invoices, monitor deposits, manage payouts — all via natural language or programmatic calls.
Building agents that need to pay for APIs, data, or compute? PayRam's MCP server gives your agent autonomous payment capabilities without external dependencies or identity leakage.
Traditional processors reject you. Hosted gateways can freeze your funds. PayRam runs on your infrastructure — nobody can shut your payments down or change the rules on you.
White-label PayRam to offer stablecoin payment infrastructure to your own clients. Transform from a payment user into a payment service provider with complete infrastructure ownership.
Embed sovereign payments into your platform. Cut processing fees from 3% to near-zero. Accept payments from 195+ countries without geographic restrictions.
Build your payment infrastructure instead of renting it. Full data sovereignty, complete audit trails on your own database, and no dependency on third-party uptime or policy changes.
Multi-merchant settlement with on-chain reconciliation. Unique deposit addresses per seller, automated sweeps, and real-time analytics — all without trusting a middleman with your float.
"The future of internet commerce runs on infrastructure you own, not services you rent. PayRam exists to widen access to commerce — helping merchants and builders become their own payment processor."