PayMoney logo PayMoney Trustless P2P Settlement Read Protocol

Privacy-preserving P2P settlement

Crypto-fiat exchange where proof, not trust, drives settlement.

PayMoney combines smart-contract escrow, TLS Notary proofs, and Smart Accounts so users can trade without handing custody to a centralized platform.

Explore the flow Read security model
~0.5% trade fee
2-of-3 recommended FROST setup
Revolut first payment rail with TLSN templates

Offer Locked

Maker escrows crypto in a smart contract.

Fiat Sent

Taker pays through Revolut.

TLSN Proof

Only payment facts are disclosed.

Settlement

Contract releases funds automatically.

Current launch scope

  • Revolut payment proofs are prioritized first.
  • Additional payment providers are added per proof template maturity.
  • Escrow settlement is algorithmic, not support-ticket based.

Why this feels credible

Built like infrastructure, not like a black box exchange.

No platform custody

Funds move through escrow contracts and user-controlled Smart Accounts. PayMoney does not hold user keys.

Verifiable outcomes

Trades settle when cryptographic conditions are true. The rules are deterministic and visible in contract logic.

Transparent tradeoffs

Timelocks, irreversibility, and self-custody risks are stated explicitly so users can make informed decisions.

Concepts in detail

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How It Works

End-to-end trade lifecycle, timeout behavior, and proof submission flow.

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Security Concepts

TLSN selective disclosure, FROST threshold signatures, and elliptic-curve security assumptions.

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Architecture

UI, application, security, cryptographic, and blockchain layers with data flow between them.

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FAQ & Risks

Operational responsibilities, irreversible payment realities, and common edge-case outcomes.

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Operational risk disclosure

Trustless does not mean riskless.

  • If proof is not submitted before expiry, escrow returns to maker automatically.
  • Revolut transfer finality means fiat mistakes cannot be reversed by PayMoney.
  • Self-custody requires secure device and backup management from each user.