How MutoPay works

Your customer pays with any token. We route through decentralized exchanges. You receive stablecoins directly in your wallet. No intermediaries, no custody, no complexity.

01

You create a payment

From your dashboard, WooCommerce store, or a single API call. Set the amount in USD and your preferred settlement token (USDC, USDT, or DAI). MutoPay generates a unique payment link.

Dashboard WooCommerce REST API
02

Customer pays with any token

Your customer opens the payment link, connects their wallet, and picks any token they hold. MutoPay shows 1,000+ tokens across 10 chains — including TON, Solana, and Tron — with live USD prices and wallet balances. They approve a single transaction.

Ethereum Polygon Arbitrum Base Optimism Avalanche BNB Chain TON Solana Tron
03

You receive your preferred token

Settlement lands directly in your wallet. No pending balance, no withdrawal step. Settle in USDC, USDT, or DAI on any supported EVM chain — or in TON, USDT-TRC20 on Tron, and USDC on Solana if that's your preferred rail. MutoPay fires a webhook notification so your system knows the payment is complete.

USDC USDT DAI TON USDT-TRC20 USDC-Solana

Under the hood: DEX routing

When a customer pays with a different token than what you want to receive, the conversion doesn't happen on a centralized exchange. It happens on-chain, through decentralized exchanges.

DEX aggregation via Li.Fi and Rubic

MutoPay aggregates quotes from multiple routing providers — Li.Fi for EVM chains and Rubic for routes that cross into TON, Solana, Tron, and intent-based bridges. For each payment, MutoPay compares every available route and picks the one that delivers the most tokens to your wallet. This could be a direct swap on Uniswap, a multi-hop route through several DEXes, or a cross-chain bridge combined with a swap.

Same-chain swaps

When the customer's token is on the same chain as your settlement token, the swap executes through on-chain DEX liquidity pools. For example: customer pays with WBTC on Ethereum, it swaps to USDC on Ethereum via Uniswap or another DEX with the best rate, and USDC arrives in your wallet.

Cross-chain bridges

When the customer pays on a different chain than your settlement chain, the transaction involves a bridge. Li.Fi routes through bridges like Across, Stargate, or CCTP to move funds cross-chain, then swaps to your settlement token if needed. All in a single customer transaction.

Direct transfers

When the customer already holds the exact token you want to receive on the same chain, no swap or bridge is needed. The payment is a direct transfer — the simplest and cheapest path. MutoPay automatically detects this and skips the DEX step entirely.

Two routing modes

Every payment resolves through one of two execution paths, chosen automatically based on the customer's source chain and wallet.

Mode 1

Wallet-signed execution

The customer signs a single transaction in their wallet. MutoPay handles everything else — quote selection, approval, swap, and bridge — in one flow.

Used for EVM chains via Li.Fi and ParaSwap Velora, Solana via Phantom and Backpack, and TON via TonConnect.

Mode 2

Manual deposit

For routes where direct wallet signing isn't possible, the payment page shows a deposit address and exact amount with copy buttons. The customer sends from their wallet and MutoPay auto-advances when the transaction is detected.

Used for Rubic intent-based routes (NEAR Intents and similar) and cross-chain sources where a signed transaction can't be crafted in the browser.

Why decentralized exchanges?

Most crypto payment gateways route through centralized exchanges. We chose a different path.

Non-custodial

Funds flow from the customer's wallet through a smart contract directly to your wallet. MutoPay never holds your money at any point in the process. There is no "MutoPay balance" to withdraw.

Transparent execution

Every swap is an on-chain transaction. You can verify the exact route, amounts, and fees on any block explorer. No black-box settlement, no trust required.

Best available rates

Li.Fi compares routes across multiple DEXes and bridges in real-time. You get the best rate available on-chain — not a rate set by a single exchange with their own spread.

No counterparty risk

With centralized exchange routing, you depend on that exchange staying solvent and operational. With DEX routing, the risk is distributed across on-chain liquidity pools governed by audited smart contracts.

Verification and security

Every payment is verified on-chain before it's marked as complete.

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On-chain transaction verification — MutoPay checks the blockchain directly (via JSON-RPC) to confirm the transaction was mined and the correct amount reached your wallet.
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HMAC-signed webhooks — every webhook notification is signed with your secret key using HMAC-SHA256. Verify the signature to confirm the notification came from MutoPay.
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Automatic retry — if your webhook endpoint is down, MutoPay retries up to 5 times with exponential backoff (1 min, 5 min, 30 min, 2 hours, 12 hours).
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Payment expiry — payments automatically expire after the configured window (default 30 minutes). No stale payments sit open indefinitely.
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Unique transaction hashes — every payment is tied to a unique on-chain transaction hash. No transaction can be used to fulfill multiple payments.

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