🏦 Multisig & Hardware Treasury Compatible
Route incoming checkout splits directly to Gnosis Safe multisigs, Fireblocks vaults, Ledger Enterprise addresses, or cold treasury wallets with zero intermediary custody.
Zero counterparty risk at enterprise stablecoin scale.
When processing $250K to $10M+ per month, custodial payment gateways become an unacceptable balance-sheet liability. XPayr gives high-volume SaaS, marketplaces, Web3 protocols, and licensed operators direct multisig/hardware wallet settlement, custom basis-point tiers, White-Label checkout, and deterministic webhook telemetry.
📉 Volume-Tiered Basis Points
Start immediately at 50 bps (0.5%) with $0 monthly minimums, and unlock tailored basis-point schedules as your monthly confirmed volume scales past $250K, $1M, and $5M+.
⚡ Multi-RPC & Explorer Redundancy
On-chain verification combines primary JSON-RPC nodes with Etherscan V2, Tronscan/TronGrid, and Solana RPC fallbacks for resilient block confirmation detection.
🔄 Settlement Router & Gasless Permits
Standardize incoming multi-token payments toward preferred stablecoins and sponsor buyer gas on ERC-2612 permit-supported routes under strict merchant budget caps.
🤖 Enterprise AI Agent Guardrails
Deploy scoped `agk_live_` agent credentials with per-transaction ceilings, daily caps, chain whitelists, and human-in-the-loop treasury approval queues.
⚖️ Structured KYB & Licensed Operator Review
Testnet is open immediately without gating; regulated verticals complete a transparent domain, license, and compliance review (`/high-risk-merchant-review`) prior to mainnet go-live.
| Operational Dimension | Pay-As-You-Go (Standard) | Enterprise & High-Volume Tier |
|---|---|---|
| Custody & Rolling Reserve | 100% Non-Custodial · $0 Reserve | 100% Non-Custodial (Multisig / Cold Vault Ready) · $0 Reserve |
| Gateway Transaction Fee | Flat 0.5% (50 bps) · $0 Monthly | Custom Basis-Point Schedule ($250K+ / mo volume) |
| Webhook Signing & Retries | HMAC-SHA256 + Automated Exponential Retries | Dedicated Webhook Priority + `@xpayr/payment-evidence (v0.2.0)` Verification |
| Health & Uptime Monitoring | Public `/status` + `GET /api/v1/health` | 24/7 Synthetic Endpoint Telemetry + Priority Incident Escalation |
| Branding & Checkout UX | Dual Checkout (Web3 1-Click + Exchange QR) | Full White-Label Checkout + Custom Legal Links + Dedicated Onboarding Engineer |
Frequently Asked Questions — Enterprise & SLA
Does XPayr offer custom basis-point pricing for high-volume enterprise merchants?
Yes. Standard XPayr pay-as-you-go pricing is already a flat 0.5% (50 bps) with $0 monthly fees. Verified enterprise merchants processing $250,000+ monthly stablecoin volume can apply via /contact?topic=enterprise for custom basis-point tiers and dedicated solution engineering.
Can enterprise platforms deploy XPayr under their own custom domain and brand?
Yes. XPayr White-Label Gateway (/white-label-gateway) lets SaaS platforms, marketplaces, and payment orchestrators customize checkout logos, color palettes, legal links, and branded payment buttons while keeping settlement 100% non-custodial.
How does XPayr verify real-time API, MCP, and multi-chain rail availability?
Enterprise teams can monitor live latency and endpoint health 24/7 on /status and query GET /api/v1/health programmatically from Datadog, Prometheus, or PagerDuty.
How are regulated or licensed high-volume verticals onboarded?
Testnet sandbox access is open immediately for engineering evaluation. Mainnet activation for regulated categories (such as licensed iGaming, fintech marketplaces, or high-ticket B2B) follows our documented KYB & jurisdiction review at /high-risk-merchant-review.