Papaya lets PSPs, fintechs, and SaaS platforms accept stablecoins as a recurring payment method without building settlement infrastructure from scratch. Merchants get one-time customer authorization then pull payments automatically on any schedule - daily, weekly, or monthly - without repeat wallet signatures. Our O(1) aggregation architecture settles unlimited recurring payment collections in a single onchain transaction, so gas cost stays flat regardless of how many subscribers a merchant has. This makes stablecoin billing viable at scale in a way that per-transaction models are not. Papaya is non-custodial: funds move directly between customer and merchant wallets; Papaya never holds or controls user funds. This lets partners add a stablecoin payment rail alongside existing card and bank rails while keeping their own compliance, KYC, and fiat conversion flow untouched.
- AI & Agentic Platforms
- Fintechs
- Infrastructure Providers
- Payments
- B2B Payments
- Payment Settlement
- Arbitrum
- Avalanche
- Base
- Ethereum
- Polygon PoS
- Web
- APAC
- North America
- United States
- Vietnam
Infrastructure that powers financial flows.
Papaya Finance is infrastructure that powers financial flows in the stablecoin economy.
Live on 9+ EVM chains with native stablecoin support, we provide scalable settlement rails for recurring payments - connecting businesses, platforms, and users through fast, low-cost onchain execution.
Use Cases
Papaya lets users set up automated dollar-cost averaging that executes hourly instead of daily or weekly, giving much finer-grained entry over time compared to traditional DCA tools. Users authorize once, then Papaya executes recurring stablecoin-to-asset swaps on a fixed schedule, fully onchain and non-custodial. No repeat wallet signatures, no manual intervention. Our O(1) aggregation architecture keeps execution costs low even at high frequency, making hourly DCA practical where gas costs would normally make it uneconomical.
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