Paycrest

Paycrest is a decentralized payment routing protocol for crypto businesses, liquidity providers, and merchants that need fast crypto-to-bank payouts and onchain-to-offchain currency swaps for end recipients who may not use crypto.

Key capabilities include:

• Intent-based payment orders: creates and manages payment intents via a Gateway smart-contract system, including escrow for secure payments and intent state management.
• Liquidity aggregation: matches intents across a distributed network of provider nodes, provision nodes, and aggregator nodes to allocate liquidity and automate crypto settlement.
• Multi-chain support: works across multiple networks including Base, Polygon, BNB Smart Chain, Arbitrum One, Lisk, Celo, and Tron.
• Sender and provider tooling: includes Noblocks (payment-intent creation and execution), a Sender Dashboard with Forwarder API (receive address) plus P2P order creation and invoicing and fee management, and a Provider Dashboard for multi-network node deployment and real-time liquidity management.

Available on Web and via APIs, with open-source components published on GitHub.

It targets B2B use cases such as DeFi and exchange payouts, crypto payroll, and e-commerce checkout, enabling businesses to send local-currency payments to recipients through integrations with payment service providers, bank accounts, and mobile wallets.

Paycrest is notable for improving payout speed and reducing reliance on manual P2P flows in high-friction markets, with examples and community feedback referencing local currency payouts in contexts like Nigeria and some other African countries