How it works
Approve once. It runs itself.
An automation is a set of terms you sign with your own wallet. PayAI can execute those terms on schedule and can never exceed them.
How automation works
You approve once. PayAI executes on time, every time, and proves each run on-chain.
One-time setup
Create automationStep 1
Start from a template or from scratch, and set the recipient.
Choose tokenStep 2
MON or any fungible Monad token. Decimals read from the contract.
Choose execution modeStep 3
Wallet Automation keeps funds in your wallet; Reserved Funds sets them aside.
ScheduleStep 4
One-time, daily, weekly, monthly, or a custom interval, in your timezone.
Wallet verificationStep 5
You sign the exact terms once. PayAI can never exceed them.
Repeats on every run
Monad executionStep 6
At each scheduled moment the payment fires on Monad Mainnet.
CompletedStep 7
Settled, recorded, and receipted with a verifiable transaction hash.
Two ways to fund an automation
You choose per automation. Both are non-custodial — PayAI never holds your funds in either mode.
Wallet Automation
Funds stay in your wallet
- You approve a spending allowance once; nothing moves until a run fires.
- Each run pulls only the exact amount due, never more.
- Revoke the approval at any time and the automation simply stops.
- Required for Bulk Payments.
Best when you want to keep custody and flexibility.
Reserved Funds
Execution is guaranteed
- Funds are set aside up front in the AutomationVault contract.
- The reservation is locked to the recipient you chose — it can only pay them.
- A run cannot fail because your balance changed later.
- Refund whatever is unspent, whenever you want.
Best when a payment absolutely must go out on time.
Built for secure automation
Funds never leave your control. Every run is screened before it sends, executes on Monad Mainnet, and leaves a receipt you can verify.
Your money stays yours
You hold your own funds. PayAI never takes custody, and every payment needs your approval.
Every payment is checked
Before anything sends, we make sure it's going to the right place, for the right amount, within your limits.
Arrives in seconds
Payments land almost instantly, any time of day, with a receipt you can always look up.
Nothing to hide
Every payment is recorded permanently, so you can prove it happened whenever you need to.
Why PayAI is built on Monad
Automations and AI-triggered payments only feel instant if the chain underneath actually is. Monad's speed and low fees are what make that real, not a future promise.
Fast settlement
Payments and automations confirm in seconds, so a scheduled payout or an AI-triggered send never leaves you waiting.
Low fees
High throughput keeps gas costs low, so frequent and recurring payments stay practical instead of a tax on convenience.
Built for real usage
Wallet Automation and Reserved Funds depend on the same high-volume, repeatable transactions Monad is built to handle.
Built to integrate
Every capability in the product is an HTTP endpoint, authenticated with an x-api-key or bearer token. The contracts and the full source are public.
Endpoints
/api/merchants
Self-serve merchant signup — returns the API key used below.
/api/tokens
The verified Monad token registry, or resolve any contract address.
/api/automations
Create a wallet-signed automation, single-recipient or bulk.
/api/automations
List automations, their runs, and per-recipient results.
/api/onchain
On-chain payment records straight from PaymentExecutor.
/api/health
Engine, RPC, scheduler, and agent-wallet status.
Open source
The whole application, including the execution engine, is public on GitHub.
Verified contracts
PaymentExecutor, MerchantRegistry, and AutomationVault are deployed and verifiable on Monad mainnet.
Idempotent by design
Every execution carries a request id enforced both in the app and on-chain, so a retry can never double-pay.
Part of the Monad stack
PayAI plugs into what the ecosystem already uses, so an automation works with the wallet and the name you already have.
Monad Mainnet
Every payment and automation settles on Monad, with sub-second finality and fees low enough for recurring runs.
Nad Name Service
Pay a .nad or .nads name instead of a 42-character address. Resolved on-chain, then re-verified server-side before anything sends.
Any EIP-6963 wallet
MetaMask, Rabby, Backpack, OKX, Coinbase and more are detected automatically — plus WalletConnect for mobile.
Durable scheduling
Automations are indexed and persisted so a due payment survives restarts and fires on time, every time.
Ready to automate?
Connect your wallet and build your first automation in a couple of minutes.
Non-custodial · No platform fee during beta · Monad Mainnet