Non-custodial · Permissionless · Zero fees

Trustless on-chain settlement infrastructure

Direct crypto payments without custody, fees, or intermediaries.

CRBPay provides protocol-level building blocks that allow merchants and users to settle crypto payments directly on-chain using Account Abstraction.

CRBPay does not process payments.

CRBPay does not hold funds.

CRBPay does not act as an intermediary.

Account AbstractionImmutable ContractsOn-chain Settlement

Settlement logic enforced by smart contracts on Ethereum, Base, Arbitrum, Polygon.

Settlement Protocol

On-chain Infrastructure

Non-custodial

Immutable Smart Contracts

No admin keys · No upgrades

Direct On-chain Settlement

User → Smart Account → Merchant

Zero Protocol Fees

Only network gas fees

Supported Networks

Ethereum · Base · Arbitrum · Polygon

Live

What is CRBPay?

A non-custodial on-chain settlement protocol

CRBPay is an open, non-custodial settlement protocol that enables direct on-chain value transfer between payers and merchants.

All settlements occur on-chain through immutable smart contracts. CRBPay never takes custody of user funds and never participates in the transaction flow.

Non-custodial by design

Funds flow directly between users and merchants

Permissionless settlement

Anyone can use the protocol without approval

Zero protocol fees

No fees charged by CRBPay protocol

Deterministic outcomes

Smart contract logic is immutable and predictable

Backend is observer-only

CRBPay backend only reads blockchain state

CRBPay is a non-custodial on-chain settlement protocol. It enables direct value transfer between users and merchants through immutable smart contracts, without intermediaries, custody, or protocol fees.

How it Works

Direct on-chain settlement in four steps

Merchant creates an order (off-chain)

Order metadata is created via API. No funds are involved at this stage.

A dedicated smart account is generated

Each order maps to a predictable on-chain account with immutable settlement rules.

User sends funds directly on-chain

Funds are sent directly from the user's wallet to the smart account.

Settlement is executed on-chain

Once conditions are met, funds are forwarded directly to the merchant.

Important

CRBPay infrastructure does not participate in settlement execution.

👤

User Wallet

Sends funds

Direct

📜

Smart Account

Immutable rules

Auto

🏪

Merchant

Receives funds

CRBPay infrastructure only observes — it never touches funds

Important Legal Clarifications

What CRBPay is NOT

Important clarifications for legal and regulatory understanding

CRBPay is NOT:

A payment gateway
A custodial wallet
An escrow service
A money transmitter
A financial intermediary

CRBPay does NOT:

Hold user funds
Decide when payments settle
Approve or reject transactions
Touch user assets at any point

CRBPay provides open-source software and on-chain infrastructure only. All settlement logic is enforced by immutable smart contracts on public blockchains.

Trustless Architecture

Security & Trust Model

CRBPay removes the need to trust any intermediary

Settlement logic is enforced by immutable smart contracts. Anyone can independently verify fund flows on-chain.

No admin keys

No privileged access to modify settlement logic

No upgradeable contracts

Smart contracts are immutable after deployment

No off-chain settlement logic

All settlement rules enforced on-chain

Permissionless execution

Anyone can trigger settlement when conditions are met

Trust Model

Verify, don't trust

Smart ContractsImmutable

Deployed code cannot be changed by anyone

Settlement LogicOn-chain

All rules enforced transparently on blockchain

Fund FlowsVerifiable

Anyone can audit transactions on-chain

CRBPay BackendObserver Only

Only reads blockchain state, cannot modify

Gas & Fees

Transparent fee structure

Protocol Fee

CRBPay charges zero protocol fees.

Network Gas

Gas Fees

Users pay standard network gas fees.

Optional

Gas Sponsorship

Gas sponsorship (if any) is optional and community-funded.

Important Note

Gas funding does not grant any control over settlement.

Fee Type

Charged by CRBPay

Who Pays

Protocol Fee

0% (Free)

—

Network Gas

User (on-chain)

Total from CRBPay

$0.00

—

api-example.js

// Create order metadata (off-chain)

const order = await crbpay.orders.create({

amount: "100.00",

currency: "USDC",

network: "base"

});

// Get smart account address

const smartAccount = order.smartAccountAddress;

// User sends funds directly to smart account

// Settlement happens automatically on-chain

// Observe settlement status (read-only)

const status = await crbpay.orders.getStatus(order.id);

Off-chain Coordination Tools

For Developers

CRBPay APIs are off-chain coordination tools

APIs are used for creating orders, retrieving order metadata, and observing settlement status.

APIs are used for:

Creating orders
Retrieving order metadata
Observing settlement status

APIs are NOT used to:

Move funds
Trigger settlement
Control smart contracts

Frequently Asked Questions

Common questions about the CRBPay protocol

No. CRBPay is a settlement protocol that provides infrastructure for direct on-chain payments. We do not process, handle, or custody any funds.

No one. The smart contracts are immutable with no admin keys or upgrade mechanisms. Settlement logic cannot be changed after deployment.

CRBPay charges zero protocol fees. Users only pay standard blockchain gas fees for on-chain transactions.

Settlement is triggered automatically by on-chain conditions. CRBPay infrastructure does not control or participate in settlement execution.

Legal Disclaimer

CRBPay provides open-source software and on-chain infrastructure.

CRBPay is not a party to any transaction between users and merchants.

Users and merchants are solely responsible for complying with applicable laws and regulations in their jurisdictions.

Non-custodialPermissionlessZero fees

Build with CRBPay

Explore the protocol documentation and integrate trustless on-chain settlement into your application.

Protocol Fees

100%

Non-custodial

Networks

∞

Permissionless