Wallet Payment Layer
Instant settlement, sub-1% fees, programmable money
Web3 payment rails enable instant settlement with fees under 1%. Stablecoins eliminate currency friction while smart contracts enable programmable payment flows.
Powered by PolkadotHow It Works
The decentralized approach
Wallet Payment
Customer pays from their wallet with stablecoins or any token.
Instant Settlement
Funds arrive in merchant wallet within seconds, not days.
Minimal Fees
Network fees typically under 1%, often under 0.1%.
Programmable Routing
Smart contracts can split payments, hold escrow, or trigger actions.
The Web3 Experience
Accept payment, receive funds instantly. No chargebacks once transactions finalize. Program automatic splits to collaborators. Same low fees whether your customer is across the street or across the world.
Your Value as a User
Benefit from instant payments and near-zero fees. Control your funds with self-custody wallets. Access programmable payment features.
Instant settlement + minimal fees + programmability
Requires wallet management and understanding of token payments
Revenue Model
How value flows in Web3
Revenue Distribution
Direct payment receipt
Blockchain transaction costs
Optional payment provider services
<1% network fees
99%+ instant settlement
Polkadot's sub-second finality enables truly instant settlement. Cross-chain bridges allow accepting payment in any token while receiving your preferred stablecoin automatically.
Benefits
Why Web3 is better
Keep 99%+ of every payment
Instant settlement — no 7-day waits
No chargebacks on finalized transactions
Programmable payment splitting and escrow
Same fees for international payments
The Comparison
Side by side: what changes when you make the shift
"Payment processors make billions holding your money and charging 3% for the privilege. Web3 payments settle in seconds for a fraction of the cost."
Multi-Chain by Design
Polkadot's architecture makes this transformation possible with cross-chain interoperability, shared security, and infinite scalability.
Sub-Second Finality
Transactions settle in under a second, enabling real-time payments and instant value transfer.
Shared Security
All parachains benefit from Polkadot's validator set, providing institutional-grade security from day one.
Cross-Chain Messages
XCM enables seamless communication between specialized chains, creating a unified Web3 ecosystem.
Polkadot's sub-second finality enables truly instant settlement. Cross-chain bridges allow accepting payment in any token while receiving your preferred stablecoin automatically.
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