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Liquidity

as a Service

One treasury. Many merchants. Zero friction.

Whether you’re an outside provider or a corporate treasury team, Pay.io makes managing funds easy. Our multimerchant setup lets you handle liquidity, track balances, and approve payments for every brand from one simple dashboard.

the challenge

the challenge

One treasury. Many merchants. Too many tools.

Funding a portfolio of operators often leads to a “dashboard sprawl” of wallets, exchange accounts, and spreadsheets. When every brand has its own stack:

Capital sits idle

while waiting for manual transfers.

Ops teams burn out

on manual reconciliation and copy-pasting data.

Risk increases

due to a lack of centralized visibility.

the solution

the solution

Liquidity Orchestration

A single platform that scales with the merchants you fund.

Pay.io treats every merchant you serve as a managed entity within one view. You can top up hot wallets, sweep idle balances to your main treasury, and rebalance currencies instantly—all without leaving the platform and without giving up custody of your funds.

How it works

CENTRALIZED CONSOLE

View real-time balances and transaction flows for every brand in one place with role-based permissions.

NATIVE CRYPTO SWAPS

Rebalance from USDC to USDT (and many more) in seconds. No need to withdraw to external exchanges.

SECURE APPROVALS

Use Multi-Party Authorisation (MPA) and FIDO2 passkeys so no single person can move funds alone.

Audit-Ready
Crypto Collections

One View, Many Brands

Stop running a separate tech stack for every merchant.

True Self-Custody

Pay.io never holds your funds. You maintain the keys to your Treasury Wallet at all times.

In-Platform Swaps

Instantly trade between BTC, ETH, USDT, USDC, SOL, DAI, CELO, and TON.

Audit-Ready Data

Every swap and approval is logged with timestamps and hashes. Export to CSV and close your month-end in minutes.

Institutional Security

Built-in protection with multi-signer quorums and KYB-aligned data retention.

Make crypto invoicing one less thing to manage.