We are early, and that is on purpose
A small team building in the open, and why we will not let a polished demo imply more than is live.
About · Company
We build the rails. You keep the money.
ChainPal builds non-custodial payment and treasury infrastructure for global businesses.
Your customers pay in stablecoins at a till, on an invoice, through a link or inside your product. Each payment lands on an address made for it alone and moves straight on to an account your business owns. We never hold it on the way.
What we are building
One platform, from the first payment to the treasury.
Four ways to get paid, four ways to move money, and an assistant that answers from your records. Every product shares the same rule about where money goes: to you.
01Get paid
CheckoutA hosted checkout from your server Payment linksA pay page you can share anywhere InvoicesBills your customers settle in stablecoins TerminalsA payment address for every till02Move money
PayoutsEach product routed to an account you own TreasuryA Safe your team controls with passkeys PayrollContractors paid across borders in one run OTC deskFirm prices, with ChainPal as counterpartyOur principles
Four rules we built everything around.
Two of them were settled before the team was big enough to need a leadership page, and none of them are up for revision as it grows. Each has a post behind it, if you want the long version.
-
01
Never a custodian.
Money lands on a single-use address and routes straight to a destination your business owns. There is no pooled account, no balance to top up and nothing of yours on our books, so there is nothing for us to lose.
Why we are never a custodian -
02
Every number sourced.
A figure without its records is a guess. Aria never states a number without evidence linking to where it came from, and when it cannot source something, it says so.
Why every answer needs a source -
03
The counterparty on OTC.
When you trade on the desk, you are asking ChainPal for a price and ChainPal trades with you. There is no third party on the other side and no order book to wait on.
How a quote gets priced -
04
Early, on purpose.
We are a small team building in the open. You will not find a padded leadership page here, or a demo that implies more than is live. We would rather you knew exactly what you are building on.
Why we are early on purpose
In practice
What those rules rule out.
A principle that never costs anything is a slogan. These are the things ChainPal will not do, because of the four rules above.
- No wallet balance to top upThere is no ChainPal balance to spend down, because there is no balance at all.
- No yield on your moneyWe cannot hold your funds overnight to earn on them. They are never ours to invest.
- No figure without its recordsIf Aria cannot point at the payments behind a number, you do not get the number.
- No one else on the other sideOn the OTC desk, the price you are given is ChainPal’s, and so is the trade.
- No borrowed credibilityThe partners we name are ones we work with. No logos of companies we have never met.
Working with
Where we are
Settling today in 4 markets. More on the way.
Customers pay in USDC and USDT on Base, BNB Chain, Celo and Polygon. Businesses settle in local currency, to an account in their own name, or keep stablecoins in a treasury they control.
- NGNNigeriaNigerian naira
- GHSGhanaGhanaian cedi
- KESKenyaKenyan shilling
- ZARSouth AfricaSouth African rand
- And beyondMore markets are on the way
From the blog
How we think, in our own words.
Notes on payments, treasury and the OTC desk, and why ChainPal is built the way it is. Read the blog
Why ChainPal is never a custodian
Every payment lands on a single-use address and routes straight through to the destination your business named.
What “no setup fee” actually means
Why there is nothing to amortise when there is no custody to provision, and what the rates cover.
Talk to us
Questions about ChainPal, or about us?
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.