Instant Capital for Payment Service Providers.
Fixed Yield for Investors.

PayMate is a programmable credit pool where licensed PSPs draw USDC for corridor settlement, and institutional investors earn a guaranteed 5% APY — all on-chain, all automated.

Pool Status

├─Total Liquidity$2,000,000USDC

├─Available$1,400,000USDC

├─Utilization30%

├─LP APY5.00%

└─Active PSPs3

$2M+

Pool Capacity

5.00%

Fixed APY

T+0

Settlement

7-Day

Yield Cycles

FOR INVESTORS

Earn 5% APY on USDC

→Deposit USDC into the pool
→Fixed yield regardless of utilization
→Weekly distributions, withdraw anytime

FOR BORROWERS (PSPs)

Access Liquidity in Seconds

→Up to $50K USDC liquidity line
→Repay in USDC, EURC, or USDT
→AI-powered risk assessment via nanopayments

How It Works

PSP Onboards

KYB verification and credit scoring

Investors Fund Pool

Deposit USDC, earn from Day 1

PSP Draws Capital

Instant USDC for settlement

Automated Settlement

CRE distributes yield, Uniswap fills gaps

Infrastructure

Arc by Circle•Chainlink CRE•Uniswap Protocol•Circle Nanopayments

Instant Capital for Payment Service Providers.Fixed Yield for Investors.