PayRam | Payments without Gatekeepers

Best way to accept #crypto for your business. Self-hosted, multi-chain, private & censorship-resistant. Built for the new internet economy.

[PayRam | Payments without Gatekeepers @PayRamApp]

PayRam now runs on @0xPolygon. 🔥

Spin up your own payment gateway. 🚀

No signups. No custody. No freezes. ✨

You host it. You control it. 🙌

Global payments, minus the gatekeepers. 🌎

Welcome to the future of payments. 😎

[PayRam | Payments without Gatekeepers @PayRamApp]

@DianeEllison @LichTamara Broken payment disrupts business.
Switch to self hosted solution manage everything in house.

[PayRam | Payments without Gatekeepers @PayRamApp]

@FLHealthLawFirm Or have a self hosted payment solution. No more payment disruption with in-house solutions.

[PayRam | Payments without Gatekeepers @PayRamApp]

@panku6688t Hey, thank you for reaching out. Can you DM, would like to get more context on the issue.

[PayRam | Payments without Gatekeepers @PayRamApp]

We're LIVE on Product Hunt! 🚀

PayRam: Payment Gateway for AI Agents

Give your AI agents a payment gateway. No signup, no KYB.

Self-hosted, self-custody crypto + card-to-crypto payments. Funds go straight to your wallet.

Go check us out 👇
https://t.co/BwUB0uJiPW

[PayRam | Payments without Gatekeepers @PayRamApp]

The internet is borderless. Payments aren't. Yet.

@BuddhaSource sat down with @untanglingweb3 to break down why the next payment stack looks nothing like the current one.

No custodian. No gatekeeping. Full control.

This is what we're building at @PayRamApp.

Full episode linked below 👇

[Untangling Web3 @untanglingweb3]

🚨 New Episode: Permissionless Commerce w/ Siddharth Menon 💸🌍

🎧 Watch now: https://t.co/sCtE3nHeZv

The internet made publishing permissionless.
Anyone can launch a website, upload a video, or build an audience instantly.

But payments?

Still controlled by banks, card networks, platform policies, frozen accounts, and regional restrictions.

This week on Untangling Web3, we sit down with Siddharth Menon (@BuddhaSource) founder of PayRam (@PayRamApp) and co-founder of WazirX (@WazirXIndia) to explore why the next evolution of the internet might not be social media or AI… but permissionless commerce itself.

From stablecoins and self-hosted payment systems to AI agents paying each other autonomously, this episode digs into how the financial layer of the internet is being rebuilt in real time.

[PayRam | Payments without Gatekeepers @PayRamApp]

April was our BIGGEST month yet!

6 release dates • 5 core versions • 14+ changes shipped.

▶️ Merchant App v1.0.0 — App Store + Play Store.

▶️ Core v1.9.7 — Smart Contract Wallets, EIP-7702 / EIP-4337.

▶️ Core v2.0.0 — Operator Mode, multi-merchant isolation, MCP Server v1.3.0.

▶️ v2.0.1 → v2.0.3 — Sweep observability, reconciler fixes, auto-refresh, sweep ETA.

Full changelog at https://t.co/fo0q25xFqL

[PayRam | Payments without Gatekeepers @PayRamApp]

Claude Mythos seeing merchants using centralized payment stacks.

[PayRam | Payments without Gatekeepers @PayRamApp]

@krakenfx Strait of Hormuz toll

[PayRam | Payments without Gatekeepers @PayRamApp]

@TheIshanGoswami These Claude Mythos capabilities are getting out of hand

[PayRam | Payments without Gatekeepers @PayRamApp]

@TheIshanGoswami Mythos be wildin'

[PayRam | Payments without Gatekeepers @PayRamApp]

📆 March 2026 at PayRam:
↳ @0xPolygon Support + Webhooks
↳ MCP Server v1.2.0 with zero-key auth
↳ Card-to-Crypto goes live

8 releases. 31 days.

Keep building. 🔨
https://t.co/ENWld4ClKB

[Readone @Ridwanishaq83]

Stripe froze a friend's account last year.

$40,000 sitting there, no explanation, no appeal process, just frozen.

That was the moment I started asking if there's a version of payments where no one can do that to you.

Turns out there is. 🧵

[PayRam | Payments without Gatekeepers @PayRamApp]

PayRam is for everyone.
PayRamはみんなのためのものです。
PayRam는 모두를 위한 것입니다.
PayRam 是为每个人准备的。
PayRam हर किसी के लिए है।
PayRam es para todos.
PayRam для всіх.
PayRam est pour tout le monde.
PayRam للجميع. লিমিটলেস সবার জন্য।

[Siddharth Menon | PayRam @BuddhaSource]

When senior folks discover and integrate @PayRamApp
and then they say this :)

❤️

Payments for your weekend & enterprise project.
https://t.co/EK29Reol21

[PayRam | Payments without Gatekeepers @PayRamApp]

If your payment processor can freeze your account with one email, you don't have a business

You have a hobby that they allow PayRam own your business actually...

[PayRam | Payments without Gatekeepers @PayRamApp]

- Stablecoin volume hit $33T in 2025 (+72% YoY) → already functioning as financial infrastructure
- 30–60% of on-chain activity is stablecoin-based → dominant settlement layer
- 38% of potential users say difficulty buying crypto is their main barrier.

That's not a user problem. That's a product problem

Hence the detour was never the destination
With payram it is one click to activate Zero paperwork Done ✅

[PayRam | Payments without Gatekeepers @PayRamApp]

X Money: The Centralization Crisis
• Your data is collateral.
• Middlemen control your liquidity.
• Freedom is platform-dependent.
One social media wrong think could freeze your entire business revenue. No independent arbitration. No exit ramp. 🧵👇

Centralized Everything Apps suffer from the Generality Paradox: the more diverse the use cases (Social + Banking), the higher the security risk.

According to FTC social media is already the top contact method for fraud, totaling $1.9B in losses. Centralizing your wealth there is a single point of failure.

Stop renting your financial freedom. PayRam lets you deploy a self-hosted node in minutes.
✅ 0% Fees
✅ 100% Non-Custodial
✅ x402 protocol ready for agentic commerce.

Deploy PayRam today - https://t.co/bRw3tv1Yoq

#FinTech #CentralizationCrisis #PayFi #DigitalSovereignty #PayRam

[PayRam | Payments without Gatekeepers @PayRamApp]

Sooner than we think

[Brian Armstrong @brian_armstrong]

How long until agentic payments overtake human payments?

[PayRam | Payments without Gatekeepers @PayRamApp]

Most people building on x402 right now don't know this is an option

Now you do with PayRam

[PayRam | Payments without Gatekeepers @PayRamApp]

Nobody's talking about this and we don't know why

Every time your AI agent makes a payment through x402 facilitator, this is what gets logged

→ Your IP address
→ Your wallet signature
→ The exact timestamp
→ The exact resource your agent accessed

[PayRam | Payments without Gatekeepers @PayRamApp]

x402 is an open protocol. The facilitator in the middle doesn't have to be

The quiet fix is just self-host the facilitator. Your payments still settle onchain that is why PayRam is here but the log stays on your server, not theirs