PayOS
Documentation

PayOS Whitepaper

Technical documentation and protocol overview

Contents
01 — Overview

What is PayOS?

PayOS is a payment infrastructure protocol built on Solana. It provides a suite of tools for creating payment links, escrow transactions, revenue splits, and crowdfunding campaigns — all without requiring users to give up custody of their funds.

Core Principles

  • Non-Custodial: Users maintain control of their funds at all times.
  • Trustless: Smart contract logic ensures fair execution without trust.
  • Instant: Sub-second finality on Solana.
  • Low Cost: Transaction fees averaging $0.0003.
02 — Architecture

Technical Stack

PayOS ARCHITECTURE
├── Frontend      Next.js + React
├── Blockchain    Solana Mainnet
├── Wallet        Wallet Adapter
├── Database      Supabase (PostgreSQL)
└── Hosting       Vercel Edge Network

Transaction Flow

  1. 01User creates a payment request through the interface
  2. 02A unique payment wallet is generated
  3. 03Payer sends funds via standard Solana transfer
  4. 04System monitors for incoming transactions
  5. 05Funds are automatically forwarded to recipient
03 — Products

Escrow

Trustless P2P transactions where both parties deposit funds into a smart contract. Funds are released only when both parties confirm completion.

Mutual ConfirmationTimeout Protection

Splits

Automatic revenue distribution to multiple recipients. Define percentage allocations. Incoming payments are instantly split and forwarded.

Auto DistributionMulti-Recipient

Goals

Crowdfunding with full transparency. Set a target amount and deadline. Automatic refunds if the goal is not reached.

Target GoalsAuto Refunds

Payment Links

Simple, shareable payment links. Generate a unique URL and QR code. Funds auto-forward to your wallet upon receipt.

QR CodesAuto Forward
04 — Security

Security Model

Non-Custodial Design

PayOS never has access to user private keys. All transactions are signed locally.

Encrypted Storage

Sensitive data is encrypted at rest and in transit using industry-standard protocols.

Open Source

Core protocol code is open source and available for community audit.

Timeout Protection

Escrow transactions include automatic timeout refunds.

05 — Fee Structure

Transparent Pricing

FEE STRUCTURE
──────────────────────────────
Payment Links      1.0%
Escrow             1.0%
Splits             1.0%  
Goals              2.0%
──────────────────────────────
Network Fee        ~$0.0003/tx

Fees are deducted automatically from the transaction amount. No hidden charges or subscriptions.

06 — Roadmap
Q1 2026Complete

Payment links, escrow, splits, and crowdfunding MVP

Q2 2026In Progress

API access, webhooks, merchant integrations

Q3 2026

Multi-chain expansion, fiat on/off ramps

Q4 2026

DAO governance, protocol token

07 — Tokenomics

Protocol Token ($PAYOS)

The native utility token for the PayOS ecosystem. Holders participate in governance and earn a share of protocol revenue.

Contract Address (Solana)

6CE74g1iZWhR5uKJuqwYCTFy85yKfhnMrZuUeKfGBAGS

Official CA. Verify on Solscan.

Max Supply

1,000,000,000

Tax

0/0