PayNetwork — Payments & DeFi

1. Overview

PayNetwork is Toii’s decentralized Payments & DeFi layer. It delivers secure digital payments, cross-border remittance, and digital asset management with transparent, easy-to-integrate rails. Built to power the GAO SuperApp, satellite dApps, and global Web3 users.

2. Core Services

  • Remittance Low-cost international transfers with smart FX routing, batch payouts, payment links, and optional compliance workflows (KYC/KYB via partners where required).

  • Token Swap AMM/RFQ aggregation across supported chains; live quotes, slippage limits, MEV-aware routing, and failover paths.

  • Stablecoin Vault Multi-asset vaults for stablecoins; programmable balances, escrow, scheduled payouts, and proof-of-reserve style transparency (where supported).

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