Payments on Paylias - Demo time

Building a smarter payment network

It all began with the problem: accepting payments is still too expensive, too complex, and too out of reach for those who need it most. The odds are stacked against small businesses, creators, and even the fintechs trying to build something better. When you peel back the surface of most “innovation” in payments, you’ll often find the same institutions and gatekeepers behind the curtain—controlling access, setting the terms, and limiting who gets to participate.

We think we can do better.

At Paylias, we're building a new kind of payment network that reimagines how money moves between people, platforms, and institutions. Inspired by the simplicity of alias-based transfers (think: name@wallet), our goal is to deliver that same convenience across fintech ecosystems—but with lower fees, faster settlement, and no reliance on legacy systems like Visa, Mastercard, or Zelle. Those aliases can then be used to send and receive payments, whether it’s between wallets like Venmo and CashApp, or across completely different rails like Coinbase and Shopify. All of this happens without touching credit cards or bank accounts at a fraction of the cost.

But we wanted to go even further.

Rather than settling over traditional rails like ACH or wires, Paylias uses a net settlement engine that clears obligations using stablecoins directly on-chain - starting with USDC on Base. We outlined this in more detail in an earlier post, but the result is faster, cheaper, and programmable settlement infrastructure that any issuer or acquirer can plug into.

A first look

Today, we’re sharing an early demo of what it looks like to make a payment online using Paylias:

In this example, we show how to make an online payment to a business selling skincare products. Using my Paylias, I'm able to checkout without any credit or debit card and behind the scenes, Paylias uses its routing engine to send my wallet a notification which I can approve (or reject) to complete the payment in real time!

Whats next

We’re still fine-tuning the API and infrastructure ahead of our beta release. Here’s a look at what’s coming next:

1. API Reference & Integration Guides: We’ll be publishing our OpenAPI spec and integration docs in the coming days. Our goal is to collect early feedback on contract design, language ergonomics, and edge cases from developers building on top of Paylias. While we won’t be shipping official SDKs just yet, tools like Swagger will let you generate clients in your preferred language.

2. Dashboard: Our dashboard is currently in development and slated for release in August. Once it's up you'll be able to use it to configure your API Keys and Webhooks, manage your domains and customers, view incoming payments, and connect your USDC wallet to manage your settlements.

3. Integration Simulator: One of the challenges in a multiparty network is coordination: institutions often need each other to test. To help break this deadlock, we’re building a simulator that allows teams to run integrations in isolation, simulate both successful and failed flows, and validate their implementations independently.

Join the Pilot

We’re still working on building Paylias into a robust, developer-friendly network. If you’re interested in participating in our early pilot—or want to help shape what this infrastructure becomes, we’d love to hear from you!

Reach out to me at ziyad@paylias.xyz and subscribe to our newsletter for updates on progress, releases, and technical deep dives.

Let’s build the payment network the internet deserves.