PayFi, the Concordium way. Transform the way money moves — automate fund flows, unlock liquidity, credit and cross-border finance with blockchain built for security, compliance, and unstoppable scale.
What is Pay Finance (PayFi)? PayFi goes beyond transferring money—it unlocks instant access to funds by addressing the time value of money. Unlike traditional finance, burdened by delays, costly intermediaries, and exclusion, PayFi delivers liquidity exactly when and where it’s needed.
TradFi uses intermediaries and pre-funded accounts for cross-border payments, leading to delays, high fees, and inefficiencies, with costs expected to exceed $290 trillion annually by 2030.
Small businesses face a crushing $2.5 trillion global trade finance gap, limiting growth, cash flow, and global trade participation
As per the World Bank (2022), over 1.4 billion adults lack access to basic financial services, limiting economic opportunity.
Through blockchain technology, stablecoins, and decentralized liquidity pools, PayFi enables capital to move instantly, securely, and at a fraction of the cost — freeing up cash flows and fueling real-world economic activity.
With PayFi, liquidity is no longer tied up in multi-day settlements or cumbersome pre-funding requirements. Capital moves in seconds, freeing up working capital and enabling businesses and individuals to seize opportunities in real time.
PayFi leverages blockchain and stablecoins to eliminate unnecessary intermediaries, cutting fees and settlement times dramatically. Cross-border payments become instant, transparent, and globally accessible to all.
From small businesses seeking trade finance to unbanked individuals sending remittances, PayFi ensures access to fast, affordable, and secure financial services — bridging gaps left by outdated financial infrastructure.
Through DeFi protocols, PayFi opens access to lending, yield generation, and payment services for underbanked communities — empowering users to participate in a global financial system using only a digital wallet, no traditional bank account required.
Concordium is purpose-built for PayFi, providing the essential infrastructure, including support for protocol-level tokens — for enterprise-grade secure, compliant, and scalable financial services.
Program money to do smart things. Automate payments, enforce conditions, and ensure security. Programmable locks at the protocol level empower enterprises to execute fund flows with precision and compliance, with zero smart contract risk.
Concordium eliminates the need for traditional risky smart contracts, offering protocol-level, configurable locks, ensuring safe, error-free, and unauthorized access-proof transactions.
Programmable Access Control
Funds move only when predefined conditions are met, ensuring precision, compliance, and security without reliance on centralised intermediaries.
Resiliant by Design
Funds always remain safeguarded at the protocol level and are immune to smart contract vulnerabilities.
Seamless Automation
Locks operate autonomously, enabling seamless programmable fund movements without manual intervention.
Automate payments with custom rules and precision. Concordium enables seamless automation of complex payment scenarios, ensuring security and predictability every step of the way.
Scheduled Release
Instantly transfer funds, but release them incrementally over time based on predefined terms.
Scheduled Send
Securely retain and release funds until conditions are met—perfect for recurring payments and milestone-based disbursements.
Multi-Recipient Locks
Send funds to multiple recipients simultaneously, simplifying transactions and streamlining business operations.
Stay ahead of the curve with Concordium’s advanced security and integration features. New innovations will soon enable secure cross-chain connection and atomic swaps, building a strong bridge between DeFi and TradeFi.
Hash Time-Locked Contracts (HTCLs)
Securely unlock funds using a hash of a secret, facilitating atomic swaps and seamless integration with external systems.
Stablecoins in action: Automating payments across key financial workflows.
Unlocks liquidity instantly at the protocol layer, reducing risk and bypassing traditional intermediaries.
Automates payments with built-in compliance and precision, simplifying financial operations at scale.
Enables real-time capital movement and automation, streamlining treasury workflows securely.
Supports scheduled fund releases and milestone- based flows, with no reliance on smart contracts.
Verticals requiring age checks for access and payments.
Enforces age-gated access with verifiable ID, protecting minors and ensuring platform compliance.
Enables compliant access and payments using verifiable ID at the protocol level.
Supports secure entry and fund flow with integrated age verification and compliance controls.
Ensures regulated access and payments with built-in, verifiable identity enforcement.
Combines access control and payment compliance using verifiable, on-chain ID verification.
Issuing a Stablecoin? Eliminate smart contract risk and unlock limitless possibilities. Join Concordium and redefine how money moves — securely, efficiently, and transparently.
The basics about PayFi.
.svg)
PayFi or Payment Finance is a new era of real-time, low-cost, decentralized payments. PayFi aims to replace outdated financial rails with instant, low-cost payments using blockchain and stablecoins. It enables 24/7 global transfers—no intermediaries and no pre-funding.
PayFi unlocks use cases like cross-border payouts, automated B2B transfers, peer-to-peer payouts, FX settlements, and real-time access to funds—without delays or costly intermediaries.
Concordium is ideal for PayFi thanks to its secure regulatory-ready foundation — featuring a built-in ID layer that enables privacy-preserving age checks and geofencing, protocol-level tokens, and a robust consensus mechanism for fast finality and reliable transactions. It enables smart, regulated payments with features like programmable compliant payments with real-time settlements and advanced controls.
Yes, PayFi can integrate with DeFi and real-world assets (RWAs), with Concordium providing a trusted framework for compliant asset tokenization and on-chain payments within a single, secure tech stack.
PayFi on Concordium removes the friction of traditional finance—eliminating delays, intermediaries, and high costs—while ensuring secure, transparent, and compliant payments.
Concordium is an ideal platform to build your PayFi dApp. The Concordium DevNet program offers early access to co-build advanced PayFi features in a collaborative testnet environment, dedicated to enabling developers to build, test, and optimize applications effectively.
The latest news, tech updates, and resources.
