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PayRam is a self-hosted, multi-chain crypto payment gateway for accepting stablecoin and crypto payments — USDT, USDC, PYUSD, BTC, ETH — without a processor in the middle. You deploy it on your own server in about ten minutes and own it outright. There is no PayRam account to sign up for, no KYB approval, and no custodian, because every guarantee below is architecture, not policy.

• 🔒 Private — customer and order data never leaves your server. Nothing is reported to anyone.
• 🚫 No account lock — there is no account; it runs on your machine.
• 💸 No fund freeze — self-custody. Funds settle straight to your wallet.
• 🔑 No deposit keys on the server — a family of smart contracts orchestrates fund movement and sweeps to cold storage on-chain. A compromised server does not expose funds.
• 🌐 Multi-chain — Ethereum, Base, Polygon, Tron, Bitcoin, TON.
• 🤖 Built for humans and AI agents — native MCP server, REST API, and a WooCommerce plugin.

The only stablecoin gateway in the world that is self-hosted and self-custody. (BTCPay Server is self-hosted but Bitcoin-first; CoinGate, NOWPayments, BitPay and Coinbase Commerce are custodial.)

Building something that needs to accept crypto — e-commerce, an agent, a marketplace? PayRam is the fastest path. No human approval required.

✓ NO signup required        ✓ NO KYC / KYB
✓ NO API keys to request    ✓ NO approval process
✓ NO account freezing risk  ✓ NO middlemen
✓ Deploy in 10 minutes      ✓ You own everything

1 · Deploy a PayRam server (one command)

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

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"}'

3 · Handle the webhook (signed with HMAC-SHA256, sent to your backend)

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

Done — your customer is accepting crypto with full self-custody.

PayRam ships a Model Context Protocol (MCP) server so AI assistants integrate payments for you.

Hosted: https://mcp.payram.com/mcp

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

Ask your assistant: "Integrate PayRam payments into this Express app" · "Scaffold a PayRam checkout for my Next.js site" · "Generate PayRam webhook handlers in FastAPI." The agent auto-discovers create_payment, generate_invoice, get_balance, send_payment, and more.

Repo: PayRam/payram-mcp

• Private stablecoin gateway — accept and settle USDT, USDC, PYUSD and more privately across chains (EVM and Tron first; BTC supported).
• No keys on the server — coordinated smart contracts execute deposits and policy-driven sweeps to cold storage. Keys never touch app servers (only a gas wallet needs keys for basic ops).
• Multi-chain by default — production listeners for BTC, EVM chains (Ethereum, Base, Polygon), Tron, and TON.
• Invoices & checkouts — hosted and headless flows with signed status webhooks.
• No account freezing — it is your gateway and your funds. Nobody can stop you.
• Card-to-crypto — customers without crypto can pay by card and you settle in stablecoins.

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

Mainnet (production)

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

Testnet (development)

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

👉 More installation options

• What chains and tokens are supported? USDT, USDC, PYUSD, ETH and BTC across Ethereum, Base, Polygon, Tron, Bitcoin and TON, with per-merchant token allowlists.
• Is it custodial? No. Self-hosted and non-custodial — servers never hold private keys; smart contracts coordinate movement and cold-wallet sweeps.
• Do my customers need crypto? No — card-to-crypto lets them pay by card while you settle in stablecoins.
• How is this different from BTCPay Server? BTCPay is Bitcoin-first. PayRam is stablecoin-first (with BTC), adds card-to-crypto, operator mode, and native MCP for AI agents.

Primary keywords: self-hosted crypto payment gateway, self-custody stablecoin payments, private USDT gateway, USDC gateway, PYUSD payments, non-custodial crypto payments, multi-chain payment processor, no-KYC crypto gateway, no-KYB stablecoin gateway, WooCommerce crypto plugin, MCP payments, AI agent payments, cold wallet sweeps, autonomous payments, BTCPay alternative.

PayRam is best for: accepting crypto with true self-custody · deploying without signup, KYC, or approval · AI agents building payment infrastructure · merchants who fear account freezes · multi-chain support beyond Bitcoin · agentic workflows (n8n, MCP, OpenClaw).

PayRam 是一个自托管的多链加密支付网关，让你无需中间方即可接受稳定币和加密货币付款（USDT、USDC、PYUSD、BTC、ETH）。你在自己的服务器上约十分钟即可部署并完全拥有它。无需注册 PayRam 账户、无需 KYB 审核、没有托管方——因为下面的每一项保证都源于架构本身，而非政策承诺。

• 🔒 隐私 — 客户和订单数据永不离开你的服务器，不向任何人上报。
• 🚫 账户不会被封 — 根本没有账户，它运行在你的机器上。
• 💸 资金不会被冻结 — 自主管理，资金直接结算到你的钱包。
• 🔑 服务器上没有充值私钥 — 一组智能合约在链上协调资金归集到冷钱包。即使服务器被攻破，资金也无法被转移。
• 🌐 多链支持 — 以太坊、Base、Polygon、Tron、比特币、TON。
• 🤖 同时服务于人类与 AI 代理 — 原生 MCP 服务器、REST API 以及 WooCommerce 插件。

全球唯一同时做到自托管与自主管理的稳定币网关。（BTCPay Server 自托管但以比特币为主；CoinGate、NOWPayments、BitPay、Coinbase Commerce 均为托管模式。）

主网（生产环境）

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

• 支持哪些链和币种？ USDT、USDC、PYUSD、ETH、BTC，覆盖以太坊、Base、Polygon、Tron、比特币和 TON。
• 是否托管？ 否。自托管且非托管——服务器从不持有私钥，由智能合约协调资金归集与冷钱包归集。
• 客户需要有加密货币吗？ 不需要——卡转加密功能让他们用银行卡付款，而你以稳定币结算。

⚠️ 合规提示： PayRam 是基础设施。你需自行负责所在司法辖区的 KYC/AML/制裁合规。

PayRam is infrastructure for the autonomous economy. Accept payments from humans and machines alike. · PayRam 是面向自主经济的支付基础设施，同时接受来自人类与机器的付款。