Choose by operating model, not just feature count.
Switch when you want zero custodial middlemen, open-source v1.0.0 storefront plugins, QR directo de exchanges tolerance, and AI agent MCP + A2A v1.0 protocols.
Gateway comparison
XPayr frente a BoomFi
A direct comparison for merchants evaluating crypto checkout, liquidación de billetera, stablecoin rails, fees, API/webhooks, testnet evaluation, and operational payment records.
Fee comparison needs context.
BoomFi positions an all-in-one crypto checkout and custodial/semi-custodial fiat settlement suite (~0.5%–1.0%+ plus FX/off-ramp fees and enterprise contract tiers).
XPayr aplica una comisión fija de pasarela del 0.5% gateway fee per successful transaction before network gas, swap, bridge, or third-party route costs.
BoomFi overviewWhere each platform fits
| Decision area | XPayr | BoomFi |
|---|---|---|
| Límite de custodia | 100% non-custodial — 99.5% settles straight to merchant wallet. | Hybrid custody/settlement rails with KYB-gated fiat off-ramps. |
| Chain & TON/Arc coverage | 12 chains incl. Solana, TRON TRC-20, TON, Bitcoin, Base, Arbitrum & Circle Arc. | Primarily EVM chains, Solana, and TRON depending on account tier. |
| Open-source transparency | 30 public repos on github.com/xpayrcom, public OpenAPI 3.1 & JWKS. | Proprietary SaaS platform and hosted links. |
| AI & HTTP 402 readiness | 21-tool MCP (/mcp), Google A2A (/.well-known/agent.json) & HTTP 402. | Standard checkout links, subscriptions, and REST webhooks. |
| AI Agent & MCP Server Integration | Official 21-tool Model Context Protocol server (@xpayr/mcp-server on NPM & Official Anthropic MCP Registry io.github.xpayrcom/xpayr-mcp-server), OpenAPI 3.1.0 playground (api-docs.xpayr.com), and policy-controlled AI agent commerce. | Check official provider documentation for current AI agent or MCP protocol support. |
When XPayr is the cleaner choice
XPayr remains 100% pure non-custodial software (99.5% direct wallet finality in ~2s), supports TRON TRC-20, Solana, TON, Bitcoin, Circle Arc, and 8 EVM rails out of the box, and provides 25 public engineering calculators + an official 21-tool MCP server.
- Global SaaS, e-commerce, digital goods, and AI platforms keeping USD/EUR stablecoins non-custodially.
- Engineering teams wanting public OpenAPI 3.1.0, Postman v2.1, 24 CMS guides, and HTTP 402 paywalls.
- Merchants converting Binance, Bybit, OKX, Phantom, MetaMask, and Tonkeeper buyers in one modal.
When BoomFi may still win
BoomFi fits businesses seeking managed crypto-to-fiat bank off-ramps bundled inside an account-managed dashboard.
- Companies specifically wanting BoomFi to manage crypto-to-bank wire off-ramps.
Questions before choosing
Is XPayr cheaper than BoomFi?
XPayr aplica una comisión fija de pasarela del 0.5% gateway fee per successful payment before chain gas or route costs. The right comparison depends on the competitor flow, conversion settings, network fees, settlement model, and merchant volume.
When should a merchant choose XPayr?
XPayr remains 100% pure non-custodial software (99.5% direct wallet finality in ~2s), supports TRON TRC-20, Solana, TON, Bitcoin, Circle Arc, and 8 EVM rails out of the box, and provides 25 public engineering calculators + an official 21-tool MCP server.
When might BoomFi still be better?
BoomFi fits businesses seeking managed crypto-to-fiat bank off-ramps bundled inside an account-managed dashboard.
Does XPayr support AI agents and the Model Context Protocol (MCP) compared with BoomFi?
Yes. XPayr provides an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry) plus policy-controlled AI agent payment intents with human-in-the-loop approval guardrails.