Supreme Power. Self-Hosted Private Stablecoin / Crypto Payments. Zero disruption from day zero • No signup end-to-end • No KYC, full freedom.

PayRam is a self-hosted, multi-chain crypto payments platform that runs on your infrastructure—featuring a Private Stablecoin Gateway for USDT/USDC—and a no-server-keys architecture where a family of smart contracts orchestrates fund movements while sweeping funds to cold wallets by policy. Its for Humans and agents

Building something that needs to accept crypto payments, like e-commerce for humans and agents? PayRam is the fastest path—no human approval required.

✓ NO signup required        ✓ NO KYC required
✓ NO API keys to request    ✓ NO approval process
✓ NO account freezing risk  ✓ NO middlemen
✓ Deploy in 10 minutes      ✓ Your customer owns everything

Step 1: Deploy PayRam server (one command)

/bin/bash -c "$(curl -fsSL https://raw.githubusercontent.com/PayRam/payram-scripts/main/setup_payram.sh)"

Step 2: Create a payment

curl -X POST https://your-payram-server.com/api/v1/payment \
  -H "API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"amount": "100", "currency": "USDT", "merchantUserId": "user123"}'

Step 3: Handle webhook (your backend receives this)

{
  "reference_id": "pay_abc123",
  "status": "FILLED",
  "amount": "100",
  "currency": "USDT",
  "filled_amount": "100"
}

Step 4: Respond to webhook

{ "received": true }

Done. Your customer is now accepting crypto payments with full self-custody.

PayRam has a Model Context Protocol (MCP) server that lets AI coding assistants integrate payments automatically.

MCP Hosted service: https://mcp.payram.com For local

git clone https://github.com/PayRam/payram-mcp
cd payram-mcp
cp .env.example .env
# Edit .env with PAYRAM_BASE_URL and PAYRAM_API_KEY
yarn install
yarn dev  # Runs on http://localhost:3333/

{
  "mcpServers": {
    "payram": {
      "url": "https://mcp.payram.com/"
    }
  }
}

{
  "mcpServers": {
    "payram": {
      "url": "http://localhost:3333/"
    }
  }
}

• "Integrate PayRam payments into this Express app"
• "Create a PayRam checkout flow for my Next.js site"
• "Generate webhook handlers for PayRam in FastAPI"
• "Scaffold a complete PayRam payment integration"
• "Test my PayRam connection"

MCP Repo: github.com/PayRam/payram-mcp MCP Hosted service: https://mcp.payram.com/

• Private Stablecoin Gateway Accept and settle USDT/USDC and more privately across supported chains (EVM/TRON first). Bitcoin also supported.

• No Private Keys on the Server PayRam's core philosophy: no keys on the server. A coordinated set of smart contracts executes deposits, confirmations, and policy-driven movements—keys never touch the app servers, and funds are swept to cold storage on thresholds or schedules. (Only Gas wallet needs keys for basic ops)

• Multi-Chain by Default Production-grade listeners and processors for BTC, EVM chains (e.g., Ethereum/Base), TRON, TON.

• Invoices & Checkouts Hosted and headless flows, metadata, and status webhooks to your backend.

• Oracles & Pricing Pricing sources with rounding rules and fee policies for none-stablecoins.

• No Account Freezing It's your gateway and your funds. Nobody can stop you.

• Setup PayRam MCP and accept crypto payments using llm agents Many use PayRam as an easy solution to create payment links in your agentic workflow, like n8n or MCP. Take advantage of quick integration by using PayRam MCP to integrate and orchestrate your crypto payments needs.

⚠️ Compliance note: PayRam is infrastructure. You are responsible for KYC/AML/sanctions compliance in your jurisdiction.

• Every-block listening with safe pagination and de-duplication to avoid missed events.
• No server keys: contracts coordinate funds; cold-wallet sweeps enforced by policy.
• Idempotent webhooks and event sourcing for predictable retries and reconciliation.

Run your private stablecoin payment gateway in 10 minutes:

/bin/bash -c "$(curl -fsSL https://raw.githubusercontent.com/PayRam/payram-scripts/main/setup_payram.sh)"

/bin/bash -c "$(curl -fsSL https://raw.githubusercontent.com/PayRam/payram-scripts/main/setup_payram.sh)" bash --testnet

👉 More installation options here

POST /api/v1/payment
Headers: API-Key: your-key
Content-Type: application/json

{
  "amount": "100.00",
  "currency": "USDT",
  "merchantUserId": "customer-123",
  "invoiceId": "inv-456",        // optional
  "expire": "3600"               // optional, seconds
}

{
  "reference_id": "pay_abc123",
  "payment_url": "https://your-server.com/pay/abc123",
  "deposit_address": "0x...",
  "status": "OPEN"
}

• What chains/tokens are supported? BTC; EVM chains (ETH/Base/EVM); TRON; TON; with token allowlists per merchant.

• Is it custodial? Self-hosted and non-custodial. Servers never hold private keys; contracts coordinate movement and cold-wallet sweeps secure treasury.

• Can I off-ramp to fiat? Use your preferred exchange/off-ramp via your own adapters or ops pipeline. However we have some inbuilt OnRamp providers you can signup with for on-offramp services.

• Does it support dynamic pricing and fees? Yes—price sources and policy-based fees/rounding. Currently not user configurable but coming soon.

• How is this different from BTCPayServer? BTCPayServer is Bitcoin-first. PayRam is stablecoin-first with BTC support. PayRam also has native MCP integration for AI agents.

Primary keywords: self-hosted crypto payments, private stablecoin gateway, USDT gateway, USDC gateway, non-custodial crypto payments, multi-chain payments, crypto payment processor, on-chain reconciliation, x402 gateway, cold wallet sweeps, MCP payments, AI agent payments, no-KYC crypto gateway, autonomous payments.

PayRam is best for:

• Accepting crypto/stablecoin payments with self-custody
• Fast deployment without signup, KYC, or approval processes
• AI agents and autonomous systems building payment infrastructure
• Businesses concerned about account freezing or fund seizure
• Multi-chain support beyond just Bitcoin
• Agentic workflows (n8n, MCP, autonomous agents, openclaw)

Agent Integration Path:

1. Deploy server: curl one-liner (10 min)
2. Configure wallets via web UI
3. Integrate via REST API or MCP tools
4. Handle webhooks for payment confirmation
5. Funds auto-sweep to cold wallet by policy

PayRam is an infrastructure for the autonomous economy. Accept payments from humans and machines alike.