CrossPay

CrossPay is a revolutionary payment aggregation system that solves the fragmentation problem of holding USDC across multiple blockchains. Users often struggle with managing separate balances on different chains (Ethereum, Polygon, Solana, etc.) and face gas fees when bridging/swapping. CrossPay eliminates these pain points by:

Aggregating USDC liquidity from multiple chains into a single spendable balance.

Enabling gasless transactions—users pay in USDC without needing native tokens for gas.

Leveraging smart routing to dynamically select the optimal chain for settlement, reducing costs and delays.

Whether for e-commerce, subscriptions, or peer-to-peer payments, CrossPay makes cross-chain USDC spending as simple as using a debit card, unlocking true interoperability for decentralized finance.

How It's Made CrossPay's architecture combines account abstraction, native USDC bridging, and gasless infrastructure to create the first truly seamless cross-chain payment rail. By leveraging these primitives, we've eliminated the friction of multi-chain payments.

Core Tech Stack

1. Privy Smart Wallets (ERC-4337 + Paymaster) Smart contract accounts enable gasless USDC transactions with social logins, abstracting all gas complexity through relayers and Chainlink-powered fee conversion.
2. Circle CCTP v2 Native USDC burns/mints between chains via Circle's attestations eliminate wrapped assets and liquidity fragmentation.
3. PaymentReceiptNFT On-chain receipts provide immutable payment verification with embedded transaction metadata.

CrossPay isn't just another bridge - we've rebuilt cross-chain payments from the ground up. By combining ERC-4337 smart accounts with Circle's native bridging and adding our own optimizations, we've created a payment system that works exactly how users expect: no gas tokens, no balance fragmentation, and no settlement delays. The optional PaymentReceiptNFT system adds an enterprise-ready compliance layer unmatched by other solutions.