{"id":"payairo","title":"PayAiro","content":"**PayAiro** is a U.S.-focused payments and financial infrastructure platform designed to connect traditional banking systems with digital assets. The service aims to offer a unified application for users to manage, send, and receive both fiat currency and cryptocurrency within a single, regulated ecosystem. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)​\n\n![](https://ipfs.everipedia.org/ipfs/QmdtMNE9gdVnsZkXs6XnUM1YKqL7LtKvoc9WYFrm7Xxvry)\n\n## Overview\n\nPayAiro is a financial technology application developed for the United States market, designed for both individual consumers and businesses. The platform's stated goal is to simplify money movement and make payments faster by integrating conventional financial systems, such as bank accounts and card networks, with digital assets. It seeks to address the fragmentation users often experience when managing their finances across separate applications for banking, investments, and cryptocurrency. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\nThe core of the platform is a mobile application, available for iOS and Android, that functions as a unified wallet. This wallet is designed to allow users to add funds via bank transfers and cards, hold balances, and transact in both U.S. dollars and various cryptocurrencies. PayAiro also plans to expand its platform to provide a consolidated view of a user's entire financial portfolio, including bank balances, stocks, cryptocurrencies, tokenized Real World Assets (RWAs), and Individual Retirement Accounts (IRAs). [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\nThe company emphasizes its focus on operating within the U.S. regulatory framework, stating that its infrastructure is built with bank-level security and compliance measures. By acting as a licensed intermediary, PayAiro aims to provide a compliant bridge between traditional payment rails and the digital asset economy, positioning itself as an alternative to conventional payment systems that can have longer settlement times. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n## Products\n\nPayAiro's product suite is divided into solutions for individual users and services for business clients. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)​\n\n### Consumer Products\n\nFor individuals, PayAiro offers a comprehensive application intended to serve as a central hub for personal finance. The primary product is the Unified Wallet, which allows users to connect their U.S. bank accounts and payment cards to fund their accounts. Within the app, users can hold, send, and spend both fiat currency and supported digital assets. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)​\n\nThe platform also plans to incorporate an integrated investment component. This feature aims to provide users with access to a variety of asset classes beyond cryptocurrency, including traditional stocks and tokenized assets such as gold, real estate, and securities backed by other real-world assets. The service also intends to allow U.S. users to roll over funds from their IRAs to invest in the assets available on the platform. [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)​\n\n### Business Solutions\n\nFor business clients, PayAiro provides a suite of tools built on an API-first infrastructure. This approach is designed to offer businesses modern and flexible payment integration options. The platform aims to help companies address operational challenges related to slow settlement times and complex payment processing. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)​\n\nBusinesses can use the platform to accept payments from customers in-store or online through QR codes. These payments can be made in fiat, cryptocurrency, or stablecoins. To mitigate price volatility, the system allows for direct settlement of customer payments into U.S. dollars or stablecoins like [USDC](https://iq.wiki/wiki/usdc). Additional business functionalities include tools for managing payroll, executing vendor payments, and handling corporate treasury and remittances from a single dashboard. Businesses are provided with a dedicated merchant dashboard for tracking transactions and revenue. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE)​\n\n## Features\n\nThe PayAiro platform is built around several core capabilities designed to integrate different financial services. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE)\n\n### Fiat and Crypto Bridging\n\nA fundamental feature of the platform is its crypto on-ramp and off-ramp functionality. This allows users to add funds (on-ramp) from their linked U.S. bank accounts and payment cards to buy digital assets and withdraw funds (off-ramp) by converting digital assets back to fiat currency sent to their bank. This provides a direct connection between the traditional financial system and the digital asset economy within the application. The platform also supports QR code-based payments for both in-person and online transactions. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n### Peer-to-Peer Transfers\n\nPayAiro facilitates peer-to-peer (P2P) payments through a system that uses unique \"PayAiro Tags.\" These tags are identifiers that allow users to send funds instantly to one another. The platform states that these P2P transfers are processed with zero fees for the users. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n### Unified Wallet and Dashboard\n\nAll funds and assets on the platform are managed through a unified wallet. This wallet is designed to let users hold, send, and spend their assets from a single interface. Expanding on this concept, PayAiro is also developing a Unified Financial Dashboard. This feature aims to give users a complete, consolidated view of their entire financial portfolio, aggregating data from linked bank accounts, investment holdings like stocks and crypto, and retirement accounts. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n### Tokenized Asset Access\n\nThe platform intends to provide its users with the ability to invest in tokenized real-world assets (RWAs). This feature aims to make it possible for users to purchase and hold fractional ownership in traditionally illiquid assets, such as real estate or commodities, directly through the application. [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n## Ecosystem\n\nThe PayAiro ecosystem connects individual users, businesses, traditional financial institutions, and digital asset markets within a single framework. The foundation of the ecosystem is its mobile application, which connects individual users who can transact with each other through PayAiro Tags, and participating merchants who accept PayAiro for payments. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE)\n\nThe platform functions as a closed-loop system for its internal P2P transactions while providing an open gateway to external financial networks. It acts as a licensed intermediary that facilitates value transfer between fiat-based banking rails, such as the Automated Clearing House (ACH) and card networks, and [Web3](https://iq.wiki/wiki/web3) technologies. PayAiro's B2B solutions, built on its API-first infrastructure, are intended to extend this ecosystem to merchants and other companies seeking to integrate modern payment processing. [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n## Use Cases\n\nPayAiro is designed to support a range of use cases for different types of users.\n\n### For Individuals and Investors\n\n* Sending fiat currency or cryptocurrency instantly to other PayAiro users in the U.S. with zero fees using a unique PayAiro Tag.\n* Managing both fiat and crypto funds within a single, regulated application.\n* Buying, selling, and converting various cryptocurrencies, such as [Bitcoin](https://iq.wiki/wiki/bitcoin) and [Ethereum](https://iq.wiki/wiki/ethereum).\n* Making payments to participating merchants for goods and services using a QR code.\n* Accessing and investing in traditional assets like stocks and tokenized real-world assets.\n* Rolling over funds from an IRA to invest in assets available on the platform.\n\nThese use cases are based on information from the company's official website and social media channels. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n### For Businesses\n\n* Accepting customer payments in-store or online via QR codes in fiat, crypto, or stablecoins.\n* Receiving customer payments settled directly in USD or stablecoins like [USDC](https://iq.wiki/wiki/usdc) to mitigate digital asset price volatility.\n* Integrating PayAiro's API for payment processing to potentially achieve faster settlement times.\n* Executing payroll, vendor payments, and invoice management using stablecoins.\n* Managing corporate treasury and remittances from a single platform.\n* Monitoring revenue, transaction history, and other financial data through a unified merchant dashboard.\n\nThese use cases are based on information from the company's official website. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE)\n\n## Architecture\n\nPayAiro's architecture is a hybrid system that integrates traditional financial infrastructure with blockchain-based technology. The platform is built on an API-first model, which is intended to allow for flexible integration with third-party services and business clients. [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\nOn the front end, the architecture supports a user-facing mobile application that features the unified wallet interface. On the back end, the system connects directly to conventional bank and card payment rails (such as ACH and card networks) to process fiat deposits and withdrawals. For its digital asset services, the architecture incorporates an on-chain and off-chain infrastructure to facilitate cryptocurrency trading, P2P transfers, and settlement. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE)\n\nFor business clients, the architecture includes a QR-code payment system and a merchant-specific backend that enables transaction settlement in either fiat or stablecoins. The entire system operates as a licensed and regulated entity, indicating a centralized infrastructure designed to prioritize security and compliance with U.S. financial regulations. [\\[1\\]](#cite-id-LiOF3tH0ROpxlWUE) [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)\n\n## Confirmed Partnerships\n\nConfirmed partnerships includes:\n\n* **DePIN Alliance:** In March 2025, PayAiro announced a partnership with the [DePIN](https://iq.wiki/wiki/depin) Alliance, which operates under the U2U Network. The stated goal of the collaboration is to jointly develop decentralized payments and infrastructure within the [Web3](https://iq.wiki/wiki/web3) space. [\\[2\\]](#cite-id-UKU4tjvxCcAVbBkg)","summary":"PayAiro is a U.S.-focused payments and financial infrastructure platform designed to facilitate on-ramps and off-ramps between traditional banking and digital assets. It provides a unified wallet for managing both fiat and crypto funds.","images":[{"id":"QmeYsaxhti28nDHeTZERTuXKPP3qjXNJTXXQZRdBZyGvnd","type":"image/jpeg, image/png"}],"categories":[{"id":"dapps","title":"dapps"}],"tags":[{"id":"Organizations"},{"id":"Protocols"},{"id":"Venture"}],"media":[{"id":"QmdtMNE9gdVnsZkXs6XnUM1YKqL7LtKvoc9WYFrm7Xxvry","name":"payairo banner.jpg","caption":"","thumbnail":"QmdtMNE9gdVnsZkXs6XnUM1YKqL7LtKvoc9WYFrm7Xxvry","source":"IPFS_IMG"},{"id":"QmdSPqqdnUo3q4K9U8Efo8yQ6zd7K6itNL5N8oiNMQiF6i","name":"payairo sub.jpg","caption":"","thumbnail":"QmdSPqqdnUo3q4K9U8Efo8yQ6zd7K6itNL5N8oiNMQiF6i","source":"IPFS_IMG"}],"metadata":[{"id":"references","value":"[\n  {\n    \"id\": \"LiOF3tH0ROpxlWUE\",\n    \"url\": \"https://payairo.com\",\n    \"description\": \"PayAiro official website\",\n    \"timestamp\": 1770620347023\n  },\n  {\n    \"id\": \"UKU4tjvxCcAVbBkg\",\n    \"url\": \"https://x.com/PayAiro\",\n    \"description\": \"PayAiro on X\",\n    \"timestamp\": 1770620347023\n  }\n]"},{"id":"website","value":"https://payairo.com"},{"id":"twitter_profile","value":"https://x.com/PayAiro"},{"id":"commit-message","value":"\"Added PayAiro wiki page\""}],"events":[{"id":"e14a548e-b1ea-4946-9ce1-617fa10c58a3","date":"2025-03","title":"Partnership with DePIN Alliance","type":"DEFAULT","description":"Announced a partnership with the DePIN Alliance (under U2U Network) to collaborate on developing decentralized payments and infrastructure within the Web3 space.","link":null,"multiDateStart":null,"multiDateEnd":null,"continent":null,"country":null}],"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"operator":{"id":"0x44864d85CAe284ca28D010f741bb26A336756E94"},"language":"en","version":1,"linkedWikis":{"blockchains":["ethereum","bitcoin-etfs"],"founders":[],"speakers":[]}}