QR Direto de Corretoras proof
0.5%taxa fixa de gateway
16 Proofsoperational explainers
Sem custódiadirect multisig & vault routing
Rede de Testes (Testnet)antes da revisão da mainnet
Eliminate stuck Binance, Bybit, and OKX checkout orders without margin leakage.
XPayr QR Direto de Corretoras allows merchants to configure a strict 1% (capped at $0.50 USD equivalent) underpayment tolerance so minor centralized-exchange withdrawal fee deductions resolve automatically as payment.underpaid_accepted.
When a buyer withdraws $100 USDT from Binance, Bybit, or OKX via QR code and the exchange deducts a $0.50 network fee from the principal, $99.50 arrives on-chain. With XPayr Underpayment Tolerance enabled, the session resolves cleanly as payment.underpaid_accepted with exact received_amount accounting instead of stalling in manual support queues.
01
Merchant enables Underpayment Tolerance (default 1.0%, hard cap $0.50 USD) in workspace checkout settings.
02
Buyer scans the XPayr QR Direto de Corretoras from Binance, Bybit, OKX, Kraken, or any CEX app.
03
XPayr 6-second explorer polling detects the incoming transfer and compares any shortfall against both the percentage and $0.50 ceiling.
04
Eligible transfers emit a signed payment.underpaid_accepted HMAC webhook carrying expected_amount, received_amount, and tx_hash.
Who pays gas?
Withdrawal fees are charged by the buyer exchange on the sender side; the merchant pays zero sweep or forwarding gas.
Operational limit
Shortfalls exceeding 1% or $0.50 USD remain in payment.underpaid status so high-ticket margins are never exposed to arbitrary discounts.
FAQ
What problem does this XPayr flow solve?
When a buyer withdraws $100 USDT from Binance, Bybit, or OKX via QR code and the exchange deducts a $0.50 network fee from the principal, $99.50 arrives on-chain. With XPayr Underpayment Tolerance enabled, the session resolves cleanly as payment.underpaid_accepted with exact received_amount accounting instead of stalling in manual support queues.
Who pays gas or network fees?
Withdrawal fees are charged by the buyer exchange on the sender side; the merchant pays zero sweep or forwarding gas.
What should merchants not assume?
Shortfalls exceeding 1% or $0.50 USD remain in payment.underpaid status so high-ticket margins are never exposed to arbitrary discounts.
Verifiable Open-Source & AI Protocol Registry
Publicly auditable SDKs, cryptographic evidence envelopes, and MCP registries.
Servidor MCP Oficial de 21 Ferramentas
Registered as io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry and published as @xpayr/mcp-server on NPM and ghcr.io/xpayrcom/xpayr-mcp-server:latest.
Merkle Payment Evidence & ES256 Tokens
Verify on-chain settlement envelopes with @xpayr/payment-evidence and offline-verifiable ES256 wallet licenses with @xpayr/extension-kit.
30 Open-Source Repositories & RFC 9116
Inspect all 20 REST API v1 schemas interactively at api-docs.xpayr.com, review our 30 repositories at github.com/xpayrcom, and check /.well-known/security.txt & /.well-known/jwks.json.
Precisa comprovar o fluxo antes da produção?
Use checkout testnet, documentos de API, guias de webhook e explicadores operacionais antes de solicitar a ativação da mainnet.