Over the past decade, stablecoins emerged as a breakthrough, enabling faster and more reliable global value transfer.

In 2025, PayFi entered its real adoption phase.

Rather than existing as a theoretical combination of payments and DeFi, PayFi began to materialize through real users, real merchants, and real transaction flows. PolyFlow stands at the center of this transition — connecting on-chain liquidity with compliant, scalable, real-world payment infrastructure.

2025 at a Glance

1. Scan to Earn officially launched in May 2025

• 1,000,000+ users
• 8,000,000+ real consumer receipts uploaded

2. Core PayFi modules advanced toward production readiness:

• Payment ID (PID)
• Payment Liquidity Pool (PLP)
• Enterprise Payment Gateway

3. PayFi entered mainstream industry at Token2049, KBW, Stellar Meridian, Solana Breakpoint

4. PolyFlow became a founding strategic member of multiple global PayFi alliances

Community & User Growth

In 2025, PolyFlow shifted its growth strategy from crypto-native users to mass-market consumer onboarding.

The launch of Scan to Earn created a new PayFi entry point:

• Offline consumption → on-chain identity and value
• Real receipts → verifiable payment behavior
• Incentives → long-term credit primitives

This marked a critical evolution: PayFi gained real economic signals beyond pure on-chain speculation.

Alongside product growth, PolyFlow continued to invest heavily in community and content operations.

Through online AMAs, in-depth industry articles and media coverage, as well as multiple offline salons and events, we significantly strengthened industry-wide and public understanding of PayFi.

In 2025, “education + real-world practice” became the core strategy of PolyFlow’s community development.

Product & Technology Progress

Scan to Earn (DApp)

• Completed full integration between front-end user experience and back-end on-chain points and identity mapping
• Established a closed-loop incentive and points circulation mechanism
• Laid the foundation for future credit systems and consumer payment scenarios

Payment ID (PID)

• Integrated real consumption behavior data from Scan to Earn, enabling PID to reflect authentic transaction activity and KYC-level attestations
• Launched a multi-chain personal management center, improving cross-chain compatibility and user self-sovereignty

Payment Liquidity Pool (PLP)

• Optimized support for small-amount and long-tail token payments
• Enhanced decentralized gateway capabilities
• Advanced self-custody and non-privileged fund processing architecture, laying the technical groundwork for sustainable incentive mechanisms

Payment Gateway & Enterprise Access

• Built enterprise-facing access solutions for merchants and institutions
• Prepared integrations for multiple payment methods, including cards, stablecoins, and token swaps
• Advanced compliance-ready onboarding and settlement workflows

Global Industry Presence

KBW 2025｜Crypto Mass Adoption Summit

PolyFlow co-hosted the Crypto Mass Adoption Summit with HashKey Group, Kraken, and Chainlink.

• 1,400+ registrations
• 1,000+ on-site attendees
• One of KBW’s most influential industry summits

Token2049 Singapore

Founder Raymond Qu joined Visa, Stellar, and HashKey leaders to discuss:

• PayFi and cross-border payments
• Stablecoins as global settlement rails
• Web2–Web3 financial convergence

Ecosystem Deep Dives

Stellar Ecosystem

• $150,000 Stellar Community Fund Grant awarded to Pelago Labs
• CFO Chuck spoke at Stellar Meridian 2025
• Focus on LATAM–Africa–Asia PayFi corridors
• Tokenized supply chain finance & DePIN financing use cases

Solana Ecosystem

• Integrated Solana Attestation Service (SAS)
• Featured at Solana Accelerate & Solana Podcast
• Co-hosted Solana Night & Breakpoint side events
• Enabled SAS-based PID, eSIM KYC, DePIN payments

Strategic Partnerships

PolyFlow deepened both technical and commercial integrations with a broad range of blockchain networks, wallets, payment providers, and compliance partners, including wallet integrations, cross-chain deployments, and credit infrastructure collaboration.

In parallel, we advanced enterprise and channel partnerships, embedding PayFi payment capabilities into a wider range of merchant and service ecosystems.

Key examples include:

• Solana: Integrated Solana Attestation Service (SAS)
• Circle Payments Network: stablecoin settlement & clearing
• Tabi Chain (Animoca / YZi-backed): real-world PayFi payments
• BNB Attestation Service: on-chain credit & KYC proofs
• Global PayFi Alliance: founding strategic member
• Conflux Network: compliant CNH PayFi bridges
• HashKey Hacker House: UMY Award for decentralized gateway

Looking Ahead to 2026

2025 validated PayFi. 2026 will scale it.

PolyFlow will focus on:

• Enterprise-grade PayFi deployment
• Deeper merchant & financial institution adoption
• Stronger compliance-first global expansion

Thank you to every builder, partner, and community member.

Together, we are building the financial coordination layer for the next generation of global payments.

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The idea of PayFi began as a stablecoin payment narrative and is now quietly slipping into everyday life.

On one side of the stack, blockchains like BNB Chain serve as the invisible plumbing.

On the other side, QR rails, creator income tools, B2B payment flows and household checkout habits form the real world surface where PayFi becomes visible.

For this AMA, PolyFlow brought together leading builders and payment operators already embedded in users’ daily lives to explore one central question:

How do we actually bring PayFi home to BNB Chain?

Panel Speakers

· Chuck, Partner and CFO, PolyFlow

· Jong, Business Development Lead, BNB Chain

· Sarah, Head of Partnerships, Wello

· Mori, Co-founder and CMO, TabiPay

· Chris, Co-founder, Sigma Money

Moderated by Di from PolyFlow.

What PayFi Really Means: Payments That Keep Earning

The panel aligned around a shared definition.

PayFi is the point where payments and DeFi begin working as one system.

Money continues to earn rewards by default and settles only when it is actually spent.

For merchants, PayFi means flexibility.

They decide whether to keep funds in stablecoins, convert instantly to local currency or use a blended route depending on cash flow needs.

Settlement becomes configurable rather than rigid.

For users, stablecoins become spendable internet native money, not static balances.

PayFi transforms payments from a final step into a dynamic financial action.

Why BNB Chain Is Positioned for PayFi Adoption

BNB Chain has quietly built several of the ingredients real payments require.

The most important is zero gas stablecoin transfers.

This removes one of the biggest frictions for new users by eliminating the need for a secondary token to pay fees.

The ecosystem also leads in active stablecoin usage, which makes it a natural home for localized and yield oriented stablecoins.

With a wide user base and strong partner density, BNB Chain offers the distribution and reliability needed to take PayFi from prototypes to daily routines.

Where PayFi Will Break Out First

Southeast Asia’s QR Habits

In Southeast Asia, QR is already a universal behavior.

Users treat stablecoins as spendable value.

TabiPay is plugged directly into regional QR networks in Vietnam and the Philippines, with expansion plans for Thailand, Malaysia and Indonesia.

Creator Income and Social Commerce

Stablecoin based creator tools remove platform fees and simplify global income.

For millions of creators, receiving tips and subscriptions in stablecoins solves both payout friction and foreign exchange loss.

Emerging Markets Already Using Stablecoins as Money

In regions dealing with inflation and currency instability, stablecoins already behave like everyday money.

For these users, PayFi simply formalizes existing behavior rather than introducing something new.

Beyond Checkout: Treasury Becomes the Next On-Chain System

The panel pointed to a second wave of adoption from the treasury side.

As companies hold yield bearing stablecoins, they can automate payouts, reduce settlement time and reconcile directly on-chain.

This changes financial operations at a structural level and brings real efficiency gains for cross-border businesses.

Digital treasuries on BNB Chain are expected to grow as finance teams become more familiar with stablecoin liquidity and programmable capital.

The Playbook for Builders

The speakers highlighted several principles for teams building in the PayFi space:

• Start where utility already exists

SEA, Africa and Latin America already use QR payments, mobile wallets and stablecoins.

• Make settlement a flexible option

Merchants should be able to choose earning in stables, converting locally or automating both.

• Remove fee concerns entirely

Zero gas stablecoin transfers reduce cognitive friction and improve adoption.

• Design for treasury from day one

Payment balances should connect naturally with on-chain yield, routing logic and automated payouts.

What PolyFlow Can Do in This Landscape

From an ecosystem perspective, PolyFlow’s role is becoming increasingly clear.

The panel’s discussion highlighted exactly why PayFi needs infrastructure that can operate across payments, identity and liquidity:

PolyFlow enables this in several ways:

Build the unified payment layer on BNB Chain

PolyFlow integrates on and off ramps, QR logic, cross-border settlement flows and stablecoin routing into a single PayFi gateway.

Provide identity and risk primitives

Tools such as PID help builders verify users and enable compliant real-world payment flows.

Power liquidity through Payment Liquidity Pools

PLP allows businesses and builders to tap into shared liquidity while ensuring yield-aware operations behind the scenes.

Connect chains and real-world endpoints

PolyFlow’s multi chain infrastructure lets builders route payments, settle suppliers and create new financial experiences without needing to manage underlying bridges or custody risk.

PolyFlow does not compete with payment partners.

It enables them, and creates infrastructure that thousands of businesses and apps can build upon.

Conclusion

PayFi is not a slogan.

It is a rethinking of how money should behave online.

It earns while idle, settles when needed and becomes invisible when it gets out of the way.

With gasless transfers at the protocol layer, QR and creator rails at the distribution layer and PolyFlow’s PayFi infrastructure enabling commerce and liquidity, BNB Chain is turning crypto into something that finally feels like everyday money.

Follow PolyFlow to hear real insights, where the flow of ideas becomes the undercurrent that shapes future wealth.

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In October 2025, PolyFlow, a leading PayFi infrastructure provider, proudly announces the launch of its latest innovation — the PolyFlow Crypto Card. This card bridges onchain assets with everyday spending, redefining how crypto users experience real-world payments.

>> PolyFlow Card Intro

>> PolyFlow Card Onboarding Guide

The PolyFlow Card seamlessly connects with Apple Pay and Google Pay, allowing users to pay anytime, anywhere with their crypto assets. Users can easily freeze/unlock cards, track transactions in real time, and earn PF Points with every purchase.

To celebrate the launch, PolyFlow is offering a limited-time 3-in-1 reward campaign:

— No Application Fee — Apply now and save the $5 setup fee.

— Cashback on Your First Month — Enjoy your first month free!

— Bonus Points for First Activation — Earn extra PF Points when you activate your first card!

“Our mission with PolyFlow Card is to make crypto living truly borderless,” Chuck, partner at PolyFlow. “Whether you’re grabbing coffee, booking a subscription, or traveling abroad, your crypto can now power your lifestyle — instantly and securely.”

The launch of PolyFlow Card marks a major milestone in PolyFlow’s PayFi ecosystem, bringing the vision of frictionless crypto payments one step closer to everyday reality.

Apply now and start spending with crypto: 🌐 www.polyflow.tech/card

From Onchain to Checkout — Always with You.

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The real challenge of stablecoin payments doesn’t lie in technology or compliance, but in the “scenario.” Demand always arises from scenarios — just like how water can fetch a gold price only in the desert. Looking back at the Web2 era, the rise of Alipay wasn’t born out of thin air; it was tightly bound to Taobao’s e-commerce scene, solving the trust and funding issues of the “last mile of online buying and selling.”

Stablecoins have moved beyond proof-of-concept; mass adoption now hinges on one thing — live business flows.

At PolyFlow we turn that theory into ledger entries: our stablecoin payment rails move Latam soy and Asian electronics in USDC, Pelago Connect’s encrypted network lets Shopify merchants price in stablecoins yet settle in fiats, and our supply chain finance vault advances working capital to exporters the moment bills of lading hit the blockchain.

Strip away these real-world transactions and stablecoin payments revert to nothing more than hashes spinning in a vacuum. The main battleground for stablecoin payments is concentrated in person-to-person interaction scenarios. However, a more explosive potential mine remains unexplored systematically — that is the interaction between AI Agents. Fortunately, PolyFlow has already laid the groundwork in advance through its crypto payment gateway.

The AI Agent Economy Spurs New Demand

The AI Agent economy is opening up a whole new canvas of demand. Machines are no longer just tools but are becoming “digital customers” capable of placing orders, negotiating, and settling payments on their own. Gartner estimates that by 2030, transactions directly or indirectly influenced by these “machine customers” will reach a staggering $30 trillion. The World Economic Forum provides a more detailed market forecast, projecting growth from $7.8 billion in 2025 to $50.3 billion in 2030, with a compound annual growth rate of 45%.

As AI Agents become the principal entities in transactions, payment systems must adopt a “machine language”: instant confirmations within seconds, thousands of micropayments per second, 24/7 uninterrupted operations, programmable logic for automatic payments upon condition fulfillment, and a plug-and-play global standard that transcends legal jurisdictions. Traditional banking networks are cumbersome and costly in the face of these demands, whereas blockchain architecture and stablecoin payments over the internet fit perfectly.

From the x402 Protocol to Crypto Payment Gateways

In September 2025, Coinbase and Cloudflare jointly launched the x402 open payment protocol, revitalizing the long-dormant HTTP status code 402 — “Payment Required” — thus opening the final gateway for internet-native payments. This protocol embeds blockchain and stablecoins into the communication layer, enabling near-zero fees and instant transactions, allowing value to be routed like data packets. The x402 protocol provides a lightweight channel for machines and AI agents, making micropayments a default, seamless, and underlying service of the internet.

While the x402 protocol provides the communication and transaction layer for payments, AI agents still face challenges in managing incoming payments — including custody, settlement, compliance, and multi-chain aggregation — which require a higher-level crypto payment gateway.

Enter Pelago Connect, a revolutionary plug-and-play crypto payment gateway powered by PolyFlow. Now, it is integrated with x402 to support multiple cryptocurrencies and blockchain networks, providing AI agents with a seamless, cost-effective payment solution with instant settlements and assured compliance.

Traditional financial systems require KYC for account opening, which is unfeasible for AIs without passports or social security numbers, thus preventing them from accessing bank accounts.

Pelago Connect’s embedded PID module enables Know Your Agent (KYA) for AI agents, linking their information with the identity of the agent’s user, potentially forming the foundation for future AI-human interactions.

Moreover, the integrated PLP module ensures AI agents have self-custody of funds and compliance, providing them with autonomous “wallets” and “cash flow.”

Conclusion

As we look to the future, the unstoppable rise of AI in the intelligent era is clear. Once an AI Agent acquires an on-chain identity and account, it genuinely gains property rights, revealing a new payment arena with potential to exceed $10 trillion. Leading this transformation is PolyFlow’s crypto payment gateway, Pelago Connect, which is shifting the payment landscape from human interaction to agent interaction.

At PolyFlow, our mission is to develop solutions that seamlessly integrate traditional systems with blockchain technology, gradually transforming everyday payments and financial activities to ensure that every transaction is meaningful and every payment counts.

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The moment legacy incumbents clear B2B invoices on-chain, “Pay with Crypto” stops being a slogan and becomes a tidal wave washing away yesterday’s rails.

Since its launch in late April, “Scan to Earn” has attracted over 1,000,000 participants, generating tens of millions of scans across real-world payment scenarios worldwide.

From daily coffee purchases to international boarding check-ins, each scan powers the PolyFlow PayFi network and underscores the global demand for seamless crypto payments.

The convergence of these external variables has transformed “PayFi” from an abstract concept in a whitepaper into a tangible industrial pathway: Stablecoin Payments address the question of “How can funds settle instantly, and how can records remain compliant?”; On-chain Finance answers “What can be done with the funds once they arrive?” When these two gears interlock seamlessly, the user experience is distilled into simplicity at the front end — while behind the scenes lies a sophisticated backend architecture of real-time risk control, automated market making, yield aggregation, and identity verification.

This marks the 2.0 vision of “Pay with Crypto, Earn the Future”: Payments become mining. Spending becomes investing. Data becomes property rights.

Cue the “Mint to Earn” season. One question remains: once crypto payments feel as mundane as tap water, how does the average person actually “earn the future”? The answer is an On-chain Profile.

For twenty years, Visa and Mastercard poured hundreds of billions into rails, stockpiling the world’s richest consumer data — and kept every cent of upside for themselves. Users never saw their own data, let alone profited from their creditworthiness. Blockchain writes “data portability” into its base layer. PolyFlow PID (Payment Identity) writes every on-chain payment, every coupon burn, every mile flown directly into the user’s profile.

Think of it as Web3’s “Sesame Credit.” Buy a latte in Bangkok with USDC and the chain quietly logs timestamp, geocoords, merchant category, spend, and gas-discount rate. Mint a flight via PID on a Web3 travel app and the dataset swells with airline tier, seat preference, rebooking cadence, and carbon offsets. Zero-knowledge proofs compress the fragments into PID — private by default, shareable on demand. Need an on-chain credit line? Hand your PID to a DeFi protocol, its ML model scores your cash flow and issues a real-time limit. Want to monetize your preferences for AI training? License the sanitized data to a federated-learning model and collect rent per inference.

To jump-start the flywheel, we’ve teamed up with Web3 travel platform Umy.com. One click mints legacy loyalty tiers into on-chain PIDs and unlocks triple yield:

1. The same airline upgrades and late checkouts you already enjoy.
2. Coupon airdrops are tied to the newly minted status.
3. In the near future, encrypted PID shards will be uploaded to the PolyFlow data market. When an AI firm queries the “high-frequency business traveler” dataset, you will earn USDC royalties proportional to usage. At no point will you need to interact with wallets, private keys, or gas fees; you simply scan your boarding pass while the backend silently mints, authorizes, and splits revenue.

“Mint to Earn” is only the opening act. Once identity is on-chain, users can plug into tomorrow’s financial stack without friction. Imagine: A Shopify plugin that swaps USD checkout flows into USDC in real time and one-click stakes the proceeds in an on-chain money-market fund. A Starbucks “coffee bond”: pre-pay 100 USDC to mint an NFT card redeemable for 102 USDC in 30 days, the yield sourced from floating interest in on-chain lending pools. A UN-WFP refugee-cash program that uses zero-knowledge proofs on PID to verify beneficiaries and airdrops USDC directly to wallets, eliminating leakage and graft.

When the curtain falls on “Mint to Earn,” we will raise it again on “Yield to Earn,” closing the loop from payment rail to asset allocation and turning “Earn the Future” from manifesto into measurable APY.

Only when crypto payments are as invisible as Wi-Fi, on-chain identity as portable as a passport, and every purchase a vote for tomorrow will we have reached PayFi’s promised land: an open financial era where data is self-sovereign and yields are shared. PolyFlow simply opens the door and says —

Welcome to the future. Please mint to earn it.

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Since the official launch of Scan to Earn at the end of April, we have together witnessed the rapid acceleration of the crypto payments wave: stable coin legislation taking effect, Circle’s listing on Nasdaq, and Visa & PayPal launching on-chain settlement pilots — the future of payments and finance has already stepped from paper into everyday life.

In this trend, more than 1,069,000 users participated in this season of Scan to Earn, with total scans exceeding tens of millions.

From a coffee purchase to a flight check-in, every scan you made injected real momentum into the PolyFlow PayFi network.

🎖 Honor & Rewards

With the season coming to an end, we will begin the settlement process:

1. Points Settlement into Badges

• All Scan to Earn points from this season will be settled and converted into different levels of exclusive Scan to Earn badges (Diamond / Platinum / Gold / Silver / Bronze / Participant).
• These badges are not only proof of your contribution this season, but will also be tied to future airdrop rewards and long-term ecosystem honors.

2. Badges Linked to Airdrops & Prestige

• Higher-level badges will carry greater airdrop weight and correspond to larger reward shares.
• As your own assets, badges will be permanently recorded in your account, marking your early role in “Pay with Crypto, Earn the Future.”-
• Last Chance to Boost Your Rank: There’s still time to scan and earn points — the higher your rank before settlement, the greater your rewards.

🔥Don’t miss the opportunity to maximize your badge level!

3. Scan to Earn Continues

• The end of this season does not mean the Scan to Earn feature will be retired.
• Point values will be adjusted in the new season to maintain overall balance, but you can continue scanning and earning rewards as the program evolves.

👉 The exact settlement ratios, reward details, and distribution methods will be announced later — please stay tuned.

🚀 From Scan to Earn → Mint to Earn

Settlement is only the beginning. With the launch of the Mint to Earn season, we will further explore on-chain identity (PID) and user data ownership:

• Every payment, every mileage record, every coupon redeemed will be consolidated into your on-chain credit.
• For the first time, the ownership and value of your data will truly be returned to you.
• Whether in on-chain finance, travel loyalty, or AI data markets, your payment activities will generate tangible value in return.

💡 Looking Ahead

PolyFlow believes that when crypto payments become as natural as utilities, and on-chain identity works like a passport, every transaction will become a vote for the future.

This journey has become real and powerful because of your participation. Thank you to all PolyFlow users — you made Scan to Earn not just an experiment, but a milestone destined to be remembered.

Welcome to the Future, and get ready to Mint to Earn it.

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Moderated by Olivia, the session featured four experts:

· Mayne from OSL, Hong Kong’s first licensed digital asset exchange, providing secure and compliant crypto-fiat gateways including OSL Pay.

· Chris representing Sigma.Money, a DeFi primitive on BNB Chain pioneering volatility traunching and yield-bearing stablecoins like bnbUSD.

· Vincent from Pay with Crypto, a payment service provider helping merchants easily accept crypto payments via its Super App and QR code solutions.

· Chuck, CFO and Co-founder of PolyFlow, the first PayFi infrastructure platform blending traditional payment systems with DeFi and multi-chain interoperability.

Here are the key takeaways from their discussion:

1. Solving Real-World Payment Problems

Mayne (OSL) emphasized that licensed exchanges play a critical role in building trust. OSL’s regulatory compliance ensures smoother fiat on- and off-ramps, making it easier for businesses to adopt stablecoins without compromising on security or legal standards.

Chris (Sigma.Money) explained how yield-bearing stablecoins like bnbUSD tackle the issue of “dead capital” during settlement periods. Instead of losing value or sitting idle, funds continuously earn yield — turning a major pain point into an opportunity for efficiency and growth.

Vincent (Pay with Crypto) shared a real-world example: a merchant reduced payment processing costs by over 60% and accelerated settlement from days to minutes by switching to crypto payments. The super app and QR system made integration seamless even for non-technical users.

Chuck (PolyFlow) highlighted how infrastructure enables innovation. By offering tools like Payment ID (PID) and Payment Liquidity Pool (PLP), PolyFlow allows developers and companies to build competitive payment solutions that rival traditional giants in speed and cost.

2. Competing with Traditional Giants

Mayne believes specialized crypto-native exchanges like OSL outperform traditional entrants through deeper product expertise, faster adaptation, and a focus on compliant digital asset services — something larger institutions are still catching up on.

Chris made the case for yield-bearing stablecoins despite a crowded market. He argued that users and businesses increasingly seek assets that offer utility beyond mere stability — especially passive earning features that protect against inflation and idle capital loss.

Vincent’s most effective merchant onboarding strategy revolves around simplicity and cost savings. Lower fees, instant settlements, and access to a global customer base are key selling points against slower, more expensive traditional options.

Chuck sees PolyFlow as an enabler rather than a direct competitor. By providing robust and compliant infrastructure, it helps smaller projects compete with established players like PayPal or Stripe, who may have brand power but lack agility and DeFi integration.

3. Collaboration Over Competition?

Chris acknowledged that yield-bearing stablecoins represent a DeFi-native innovation that large TradFi firms are unlikely to replicate soon. This creates a natural moat and appeals strongly to a tech-savvy user base that expects more from digital assets.

Vincent’s pitch to merchants highlights better rates, faster settlement, and personalized service — advantages that larger, slower-moving providers can’t easily match.

Chuck left the door open for future collaboration even with traditional players. He suggested that PolyFlow’s infrastructure could eventually serve as a backend for companies like PayPal seeking to connect with DeFi and multi-chain ecosystems.

Mayne confirmed growing interest from traditional financial institutions looking to leverage OSL’s licensed infrastructure — a sign that the industry is increasingly recognizing the value of crypto-native expertise.

4. Biggest Challenges

Vincent cited lack of understanding and regulatory uncertainty as the toughest hurdles — not volatility. Education and clear regulatory frameworks are essential for wider merchant adoption.

Chris pointed to regulatory ambiguity as the main challenge for innovative DeFi products that blend investment and payment functions. Technical complexity is manageable, but unclear policies slow growth.

Chuck discussed the difficult trade-off between supporting multiple chains and maintaining deep functionality on a few. PolyFlow prioritizes interoperability without sacrificing security or compliance.

5. How to Get Started

· Mayne (OSL): Visit OSL’s platform to onboard and purchase your first compliant stablecoin.

· Chris (Sigma.Money): Mint or swap into bnbUSD to start earning yield natively.

· Vincent (Pay with Crypto): Small business owners can visit their website to explore integration options.

· Chuck (PolyFlow): Developers can check out PolyFlow’s documentation and contact the PolyFlow team.

Conclusion

The AMA session underscored a shared vision: compliant stablecoins and DeFi are not just theoretical concepts — they are already transforming cross-border payments by reducing costs, accelerating settlements, and unlocking new value for users and businesses.

Follow PolyFlow and our guests for more updates as we continue to explore and build the future of payments.

August 20, 2025

Author: PolyFlow Team

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Collaboration Background

PolyFlow, the next-generation PayFi infrastructure powering secure and compliant crypto payment rails, is proud to announce its latest strategic partnership with PayDD, a Web3-native payroll solution provider helping global professionals convert crypto income into compliant, bank-recognized salary records.

For many in the Web3 space, income often arrives in stablecoins or other digital assets. While convenient in the crypto world, this can present challenges in the traditional financial system — from renting an apartment and applying for a mortgage, to obtaining a credit card, a work visa, social security benefits, or even filing taxes.

PayDD solves this gap by enabling users to transform their crypto payroll into fiat currency efficiently, compliantly, and without the risk of frozen accounts — all while providing bank-accepted income proofs that unlock access to financial and lifestyle services.

By integrating PolyFlow’s payment gateway, PayDD gains a powerful backend to process crypto payroll with high-speed settlement, global reach, and enterprise-grade compliance.

Key Players:

• PolyFlow: Provider of the PayFi protocol with decentralized liquidity rails, on-chain KYC, and fiat off-ramp integrations.
• PayDD: A Web3 payroll platform enabling users to convert crypto salaries into fiat, offering compliant, bank-recognized income proofs and risk-free settlement paths.

How It Works:

1. Crypto Salary Ingestion: Web3 professionals receive salaries in stablecoins or other supported digital assets.
2. Decentralized Gateway Settlement: PolyFlow’s infrastructure processes these crypto payments through secure, liquidity-optimized channels.
3. Instant Fiat Conversion: PayDD executes T+0 settlement to fiat, ensuring users have immediate access to funds.
4. Compliance First: On-chain KYC and regulated payment pathways ensure no frozen accounts or compliance risks.
5. Income Proof Generation: PayDD issues bank-recognized income statements, enabling users to apply for loans, credit cards, visas, and more.

Benefits:

• T+0 Fast Settlement: Salary arrives in fiat on the same day.
• Compliance Without Compromise: All transactions follow regulated payment routes, avoiding frozen accounts.
• Bank-Recognized Income Records: Enables access to mortgages, rentals, credit cards, and official applications.
• Simple, Mobile-Friendly: End-to-end salary processing in a few taps on mobile.
• Low Seasonal Fees: Summer promotion with rates as low as 1%.

Looking Ahead

The PolyFlow × PayDD partnership bridges the gap between Web3 earnings and day-to-day life. With PolyFlow’s robust payment rails and PayDD’s payroll expertise, Web3 professionals worldwide can enjoy the freedom of crypto income without sacrificing access to essential banking and lifestyle services.

This collaboration sets a precedent for global crypto-native payroll systems — fast, compliant, and built for real-world needs.

Because getting paid in crypto should mean more opportunities, not more obstacles.

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Through this partnership, PolyFlow will leverage Sumsub ID, part of the company’s’ Reusable Identity product suite, to streamline user onboarding for its Payment ID (PID) system and broader PayFi infrastructure. This means Web3 users can verify their identity once and reuse those credentials across the PolyFlow ecosystem — reducing friction, accelerating access, and maintaining regulatory-grade compliance.

Why it matters

Today, most users in the crypto space are forced to complete KYC checks multiple times across different platforms — causing frustration and drop-offs.

Sumsub ID allows individuals to pre-verify once and reuse their identity data across multiple services. It can reduce onboarding time by up to 50% and boost conversion rates by 30%, offering businesses a more efficient route to compliance while improving user experience.

With the Sumsub × PolyFlow integration, users can:

• Complete one-time KYC via Sumsub
• Automatically receive a PID credential anchored on the Solana blockchain via SAS
• Reuse this verified identity for use cases such as:

⭐️ eSIM activation in DePIN networks like ROAM

⭐️ DeFi credit scoring and undercollateralized lending

⭐️ On-chain supply chain financing

This creates a seamless user journey — where identity becomes portable, verifiable, and programmable.

How it works

The integration flows as follows:

1. User completes KYC via Sumsub within PolyFlow
2. PID credential is issued and recorded via Solana Attestation Service (SAS)
3. User’s on-chain credential is verifiable by third parties, enabling automatic eSIM activations or DeFi loans
4. No repeat KYC is needed for any service using the same infrastructure

This unlocks a future of frictionless identity across DeFi, CeFi, and real-world use cases.

About Sumsub

Sumsub is the #1 verification provider for the crypto industry working with 8 out of 10 top global crypto exchanges. With Sumsub’s customizable KYC, KYB, Travel Rule, Non-Doc Verification, AML Screening, Address Verification, Crypto Transaction Monitoring and Fraud Prevention solutions, you can orchestrate your verification process, welcome more customers worldwide, maximize pass rates, meet compliance requirements, reduce costs, and protect your business.

With over 4,000 clients across crypto, fintech, gaming, mobility and edtech industries, Sumsub supports the largest Travel Rule directory of 1700+ virtual asset service providers (VASPs). Having integrated TRP, GTR (owned by Binance), CODE, and Sygna, Sumsub offers fully interoperable single communication Travel Rule protocol, which aims to automate data transfers, reporting, and transaction screening to improve compliance, security, and transparency.

To create your Sumsub ID and receive a Solana attestation, visit: https://id.sumsub.com/solana

About PolyFlow

PolyFlow is building the next-generation PayFi infrastructure — unifying traditional and crypto payments with on-chain credentials. With $200M+ processed and a robust enterprise stack, PolyFlow helps businesses manage payments, settlements, and liquidity with real-world asset backing and decentralized finance rails.

🌐 Learn more: https://polyflow.tech
📖 PID Docs: https://docs.polyflow.tech/payment-id-pid/
🤝 Follow us: https://link3.to/polyflow

Advocates of blockchain have long claimed that this innovative blockchain-based value transfer system will quickly replace traditional mechanisms, heralding a new financial era on blockchain. With the introduction of the U.S. Genuis Act and the enthusiastic reception of Circle’s IPO in capital markets, stablecoins — blockchain-based digital dollars — are making significant headway.

Whether through keen investor interest or widespread practical adoption, stablecoins are steadily expanding their influence and utility. Now, PolyFlow is poised to launch its PLP-powered payment gateway, Pelago Connect, to offer faster, cheaper, and more globally scalable value transfers — and the world is catching on.

Pelago Connect: Empower Global Businesses with Stablecoin Payment Solutions

In today’s rapidly evolving digital economy, traditional payment systems often grapple with high fees, slow settlements, and complex regulations. Enter Pelago Connect, a revolutionary plug-and-play crypto payment gateway powered by PLP. It supports multiple cryptocurrencies and blockchain networks, offering merchants a seamless and cost-effective payment solution. With instant settlements and assured compliance, Pelago Connect is the ideal choice for businesses looking to embrace the future of payments.

Pelago Connect envisions a future where merchants are free from the limitations of conventional payment systems. Our mission is to democratize crypto acceptance by providing a compliant and efficient payment gateway that seamlessly integrates with existing infrastructures. Through this innovation, we aim to empower merchants and facilitate a smoother transition to modern payment methodologies.

Key Features & Benefits

Core Features:

• Fiat Payments: Supports acceptance of Alipay, WeChat Pay, and credit cards.
• Multi-Chain Support: Allows acceptance of various tokens across multiple blockchain networks.
• Plugins & SDKs: Provides ready-made integrations for platforms such as WooCommerce, Shopify, and Magento.
• Merchant Dashboard & Reporting: Offers an intuitive web portal for real-time transaction tracking and custom analytics.

Key Advantages:

• New Asset Support: Continuously adds support for emerging tokens and stablecoins.
• Wallet-Free Payments: Enables customers to pay by scanning a QR code, eliminating the need for enterprise wallet setup. Customers can complete payments simply by scanning a QR code — no need to connect to the merchant’s wallet
• Flexible Settlement: Provides options for instant conversion or scheduled payouts tailored to cash-flow needs.
• Cost Efficiency: Features lower fees compared to traditional payment providers.
• Partner Rewards: Promotes participation in integrated programs with top PayFi projects like PolyFlow.

Empowering Partners

By leveraging its core features and advantages, Pelago Connect offers significant support and convenience to a diverse range of partners:

1. International E-commerce Checkout: Pelago Connect integrates effortlessly into checkout pages, allowing global customers to pay with crypto. The system manages on-chain payments, provides instant fiat conversions, and ensures swift credits to merchant accounts.
2. Embedded dApp/NFT Marketplace Payments: Platforms can utilize Pelago Connect for in-app payments, enabling users to purchase items without leaving the platform. The gateway guarantees secure transactions, immediate sale recording, and instant payouts to sellers.
3. Offline Retailers: Brick-and-mortar stores can use Pelago Connect QR codes at their registers. Customers simply scan the code with their wallets and complete payments in seconds, streamlining the transaction process and enhancing the customer experience.

Partners can also leverage Pelago Connect to flexibly create and build additional scenarios.

Implementation & Onboarding

Pelago Connect guarantees a seamless onboarding process, including consultation, KYB verification, online deployment, and pilot production. Our ongoing service and support encompass 24/7 risk management, fund settlement, technical assistance, and system stability.

In conclusion, Pelago Connect is leading the charge in transforming the payment landscape by providing a robust, flexible, and cost-effective solution for adopting crypto payments. As the digital economy continues to expand, Pelago Connect serves as the gateway to a seamless future for merchants worldwide.

Our mission at PolyFlow is to develop solutions that effortlessly integrate traditional systems with blockchain technology, gradually transforming everyday payments and financial activities to ensure that every transaction is meaningful and every payment counts.

• Use Guide：https://online.fliphtml5.com/hhjaf/ulld/
• API：https://apifox.com/apidoc/shared/29b679fc-0f8b-4d41-b1b4-4d567f22bf89

About PolyFlow

PolyFlow is an innovative PayFi protocol dedicated to bridging traditional finance, DeFi, and real-world assets, creating the next-generation infrastructure for crypto payments and settlements. With over 20 years of combined financial industry experience and more than $200 million in transaction volume handled, the team provides enterprise-grade liquidity management, cross-border payments, and digital merchant credit services for global users and institutions.

🌐 polyflow.tech
🤝 https://link3.to/polyflow