The payment network
for humans and AI agents.
Same card chip. Better cryptography. No middlemen. On-chain settlement in 2 seconds. Fiat lands in the merchant's bank. 60 bps flat. No chargebacks.
Two types of crypto payment.
Only one of them is actually crypto.
Still pays Visa fees. Still needs KYC. Adds friction on top of broken rails.
Instant on-chain settlement. Near-zero fees. No chargebacks. No middlemen. Fiat lands in the merchant's bank.
One rail. Three audiences.
Lower fees. Faster money. Same terminal.
60 bps flat. 2-second settlement. Funds reach your AUD bank. No chargebacks.
- EMV terminal, OPK Pay Dashboard
- 30-day timelock vault
- Loyalty + reconciliation built in
Tap or scan to pay with the wallet you already use.
Any ERC-681 wallet. Scan QR or tap NFC. No KYC. Stablecoin in, stablecoin out.
- Local currency stablecoins accepted
- Self-custody, no card account
- Better rewards
Programmable hooks on every transaction.
IVaultHook.onFundsReceived fires per-invoice. Issuers, integrators, merchants, agents — each plug in.
- Open SDK · Solidity + TypeScript
- HTTP 402 / x402 settles natively
- Audited contracts, public ledger
Tap. Settle. Off-ramp.
Tap or scan with any wallet.
ERC-681 standard. NFC or QR. No app install, no KYC, no card.
Settles on Base in 2 seconds.
SessionReceiver collects, ClearingVault distributes — fees, hooks, payout — atomically.
AUD lands in your bank.
AUDD or AUDM redeems through AFSL-regulated issuers. Same/next business day.
The missing settlement layer.
x402 and MPP tell agents how to pay. We handle what happens after they do — clearing, fees, hooks, payout, off-ramp. On the same rail as physical retail.
- No merchant clearing or settlement
- No fiat off-ramp
- No terminal integration for physical POS
- No fee accounting, hooks, or composability
- SessionReceiver — deterministic payment address
- ClearingVault — clearing, fees, hooks, payout
- Terminal-native — physical POS, no server
- Off-ramp — stablecoin → AUD via AUDD / AUDM
“We were paying Square 1.6% on every coffee. With OpenPasskey it's 0.6% and the money is in our account before lunch, not Tuesday.”
Chloe's Mama Kitchen · Turramurra · live since April 2026Run a tap on the future rail.
We'll ship a configured OPK Pay device, set up your vault, and walk you through your first transaction. 60 bps flat. No chargebacks. Australia first, expanding from Q3.