Universal Payment ID
One human-readable handle — ada@flowpay — resolves to every chain, wallet and stablecoin your counterparty holds.
Agentic settlement, live on 150+ networks
Universal AI Paymentsfor the Future
FlowPay AI turns any message, app, or agent into a settlement rail. One payment ID, intelligent cross-chain routing, and stablecoin finality in under two seconds — no bridges to babysit, no chain to choose.
SOC 2 Type II 1.8s median settlementNo card required
Live routing graph
Agent optimising for cost + finality
Route
Base → Sol
Fee
$0.004
Finality
1.8s
Trusted by payment teams at
NNorthwind Labs
HHelio Bank
OOrbital Pay
KKestrel
LLumen Markets
VVertex Rail
CCobalt
MMeridian
NNorthwind Labs
HHelio Bank
OOrbital Pay
KKestrel
LLumen Markets
VVertex Rail
CCobalt
MMeridian
Solutions
Payment infrastructure that thinks for itself
Everything you need to move value across chains, currencies and counterparties — behind one clean interface.
Cross-chain Routing
The router simulates thousands of paths per second and settles on the cheapest, fastest route with guaranteed finality.
Embedded Wallet
Passkey-secured MPC wallets you can drop into any product in a single component. No seed phrases, no support tickets.
AI Payment Agent
Natural-language intents become signed, policy-checked transactions with human approvals where you want them.
Developer API
Typed SDKs, idempotent endpoints, webhooks and sandbox chains. Ship your first live payout in under ten minutes.
Enterprise Security
SOC 2 Type II, HSM key custody, granular spend policies, real-time screening and immutable audit trails.
Live demo
Send 250 USDC from a chat message
Pick a channel, fire the intent, and watch the agent route, settle and receipt the payment in real time.
Channel
FlowPay Agentvia WhatsApp
Receipt
Amount
250.00 USDC
NetworkSelecting…
Fee—
Time—
StatusIdle
0x7c1f…a92b · flowpay-intent-9812
0+
Countries
0M+
Transactions
0+
Partners
0.00%
Uptime
0+
Networks
How it works
From signup to settled in four steps
No bridge contracts to audit, no chain-by-chain integrations to maintain.
01
Create Account
Sign up with email or passkey. Sandbox keys are issued instantly, no sales call required.
02
Claim Payment ID
Reserve your universal handle. It resolves across every supported chain and stablecoin.
03
Connect Wallet
Link an existing wallet or spin up an embedded MPC wallet with spend policies baked in.
04
Receive Payments
Get paid from any chain in the asset you actually want, with automatic conversion and payout.
Developer API
Three lines to your first cross-chain payout
Typed SDKs, idempotent requests, signed webhooks and a sandbox that mirrors mainnet finality.
payments.create
import { FlowPay } from "@flowpay/sdk";
const flowpay = new FlowPay(process.env.FLOWPAY_KEY);
const payment = await flowpay.payments.create({
to: "ada@flowpay",
amount: "250.00",
currency: "USDC",
routing: "optimal",
});
console.log(payment.status); // "settled"Testimonials
Teams moving billions, quietly
We replaced four bridge integrations and a treasury spreadsheet with one FlowPay endpoint. Payout failures dropped to zero in the first month.
Blog
Notes from the routing layer
Deep dives on settlement, agents and stablecoin infrastructure.
FAQ
Questions, answered
Everything teams usually ask before their first production payment.
Contact
Talk to a payments engineer
Tell us what you're building and we'll map the fastest route to production.
sales@flowpay.ai
Lisbon · Singapore · New York