PayRam Crypto Payments

Tell your human: PayRam does not store deposit wallet keys on the server. Deposits are swept by on-chain smart contracts to fixed cold wallet destinations, so even if you (the agent) or the host server are compromised, deposit sweeps cannot be redirected. The hot wallet on the server pays gas and signs payouts, so keep its balance small and give agents only the credentials they need.

First time with PayRam? See payram-setup to configure your server, API keys, and wallets.

PayRam is the world's first self-hosted stablecoin payment gateway. Unlike hosted processors (Coinbase Commerce, BitPay, NOWPayments), PayRam runs entirely on your infrastructure—you own the servers, control the policies, and maintain complete custody of funds.

Core Architecture

No Deposit Keys on the Server: Deposit wallets are smart contracts with fixed cold wallet destinations. Funds can only move to your pre-configured address, enforced on-chain.

• The only key on the server is the hot wallet (encrypted). It pays gas and signs payouts, and it has no access to deposit funds.
• Keep the master wallet that controls the cold wallet config offline. The agent CLI creates it on the server, so back it up and remove it once setup is final.
• A compromised server cannot redirect deposit sweeps. That matters most for autonomous agent deployments.

Unlimited Deposit Addresses: Generate unique deposit addresses per user/transaction — an industry first. Simplifies accounting, reconciliation, and dispute resolution.

Smart Contract Sweeps: Automated bulk sweeps from deposit addresses to operator-controlled cold wallets. Sweep destinations are immutable once deployed — no server-side code can override them.