A QUESTION FOR EVERY CEX USER
Every trade. Every withdrawal. Every conversion. Those fees add up to hundreds — sometimes thousands — of dollars a year. And you get exactly 0% of it back.
PayMe distributes 80% of all platform fees back to active users. Every week. In USDC. Not a token. Not a promise. Real stablecoins in your wallet every Monday.
And it does everything your CEX does — gasless payments across 7 chains, fiat conversion in 10 African countries via SCAMPROOF on-chain escrow, perpetual trading, and an AI agent that executes for you.
What PayMe Is
No seed phrases. No gas tokens. No app store download. Open the browser, pick a username, set a PIN. You have a smart wallet on 7 chains in 10 seconds.
Every transaction is gas-sponsored. Send USDC, swap to USDT, bridge cross-chain, convert to fiat — you never hold or spend a gas token. PayMe covers it.
Type "send 200 USDC to @ade on Base" or say it out loud. The agent picks the best chain, route, and rate. Supports English, Pidgin, Yoruba, and Hausa.
Open leveraged positions on Hyperliquid without leaving PayMe. Deposit, trade with TP/SL, withdraw — all through the agent. No separate exchange account.
Not a CEX
On a centralized exchange, your balance is a row in their database. They can freeze it, demand retroactive KYC, or shut down — and you are left with nothing. PayMe is structurally different.
A trader has $20,000 on Bybit. One morning, the account is frozen. No warning. No explanation. No recourse. This is not rare — it happens on Binance, Bybit, and every exchange where your balance exists at the mercy of their compliance team.
Your wallet is an ERC-4337 smart account deployed on real blockchains. Your funds are on-chain stablecoins — not a number in a company database. There is no KYC to trigger, no compliance department to freeze you, and no withdrawal approval process. Your money moves when you say it moves.
Your USDC/USDT lives on the blockchain, not in a company ledger. Verifiable on any block explorer, anytime.
No identity verification required. No compliance freeze. No "your account is under review" surprises.
Your wallet key is encrypted with your PIN using AES-256. PayMe cannot spend your funds without your PIN. You authorize every transaction.
P2P Conversion
Convert USDC/USDT to local currency across 10 African countries. Every trade is secured by a 2-of-3 multisig smart contract on-chain. No single party — including PayMe — can move the funds alone. This is enforced by code, not a terms of service.
Crypto is locked before any fiat changes hands. If the vendor fails to pay, the buyer disputes and funds return. No negotiation. No "sorry, nothing we can do."
Once fiat is confirmed, escrow releases automatically. A 2-hour auto-release prevents buyers from holding funds hostage indefinitely.
Nigeria, Ghana, Kenya, South Africa, Tanzania, Uganda, Senegal, Cameroon, Togo, Benin. Bank transfer and mobile money.
Every platform charges fees. Every platform keeps them. PayMe distributes 80% of all platform revenue to active users, every week, in USDC. Not a governance token. Not a points program. Actual stablecoins deposited into your wallet every Monday.
Send payments, convert to fiat, trade, refer friends. Activity earns your share. Weekly streaks multiply earnings up to 2×. The more consistent you are, the more you earn.
No single user can claim more than 25% of the pool. The math favors regular users over whales. You don't need to be rich — you need to be active.
On Binance, your fees fund Binance's profit. On PayMe, your fees fund your own weekly income.
Why Switch
| PayMe | CEX (Binance, Bybit) | Self-Custody Wallets | |
|---|---|---|---|
| KYC freeze risk | No KYC — no freeze trigger | Yes — compliance can freeze anytime | No |
| Funds location | On-chain (verifiable) | Company database | On-chain |
| Gas fees | $0, always | Withdrawal fees | You pay gas |
| Revenue share | 80% back weekly in USDC | 0% | 0% |
| P2P with escrow | On-chain 2-of-3 multisig | Custodial escrow | None |
| Perps trading | Hyperliquid, from wallet | Native | None |
| AI agent | Voice + text, 4 languages | No | No |
| Multi-chain | 7 chains, 1 address | Siloed networks | Varies |
| Setup | 10 seconds, no KYC | KYC required | Seed phrase backup |
Use Cases
Get paid in USDC from anywhere in the world. Convert to naira, cedis, or shillings through P2P at market rates. No bank intermediary. No 3-5 day delays. No 5% conversion loss.
Send stablecoins to a PayMe user in any of the 10 supported countries. They convert to local currency in minutes. Compare that to Western Union's 8% cut and 2-day wait.
Trade perpetuals on Hyperliquid directly from your self-custodial wallet. When you are not trading, your money is in your wallet — not sitting on an exchange that might lock it.
Third-party AI agents integrate via the PayMe API. Your Claude or GPT agent can check balances, send payments, and sell crypto — all programmatically, with spending limits and confirmations built in.
The choice
PayMe is live. The wallet is free. Setup takes 10 seconds.
Flat 0.1% fee on everything. 80% of that goes back to you. Every Monday. In USDC.
by Feedom · payme.feedom.tech