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v1.4.1 · live in Sydney

The payment network
for humans and AI agents.

Same card chip. Better cryptography. No middlemen. On-chain settlement in 2 seconds. Fiat lands in the merchant's bank. 60 bps flat. No chargebacks.

Get started
Settlement · Base · liveSettled · 2.1s
A$12.50incl. GST
Payer0xA1f…b27e
MethodNFC tap → AUDD
Fee0.075 AUDD (60 bps)
PayoutA$12.42 → Westpac
Hooksloyalty.mint() · rebate.drip()
tx 0x8f2…d301block 18,492,103
The thesis

Two types of crypto payment.
Only one of them is actually crypto.

What everyone builds today
Consumer crypto→Convert to fiat→Visa / MC rail→Merchant

Still pays Visa fees. Still needs KYC. Adds friction on top of broken rails.

What crypto payment should be — and what we ship
Consumer crypto→Crypto rail→Merchant

Instant on-chain settlement. Near-zero fees. No chargebacks. No middlemen. Fiat lands in the merchant's bank.

Who it's for

One rail. Three audiences.

For merchants

Lower fees. Faster money. Same terminal.

60 bps flat. 2-second settlement. Funds reach your AUD bank. No chargebacks.

  • EMV terminal, OPK Pay Dashboard
  • 30-day timelock vault
  • Loyalty + reconciliation built in
Start with a stamp cardFor consumers

Tap or scan to pay with the wallet you already use.

Any ERC-681 wallet. Scan QR or tap NFC. No KYC. Stablecoin in, stablecoin out.

  • Local currency stablecoins accepted
  • Self-custody, no card account
  • Better rewards
I want to spend crypto at my local storesFor developers · agents

Programmable hooks on every transaction.

IVaultHook.onFundsReceived fires per-invoice. Issuers, integrators, merchants, agents — each plug in.

  • Open SDK · Solidity + TypeScript
  • HTTP 402 / x402 settles natively
  • Audited contracts, public ledger
Talk to engineering
How it works

Tap. Settle. Off-ramp.

01 · CUSTOMER

Tap or scan with any wallet.

ERC-681 standard. NFC or QR. No app install, no KYC, no card.

02 · PROTOCOL

Settles on Base in 2 seconds.

SessionReceiver collects, ClearingVault distributes — fees, hooks, payout — atomically.

03 · MERCHANT

AUD lands in your bank.

AUDD or AUDM redeems through AFSL-regulated issuers. Same/next business day.

Positioning

The missing settlement layer.

x402 and MPP tell agents how to pay. We handle what happens after they do — clearing, fees, hooks, payout, off-ramp. On the same rail as physical retail.

x402 / MPP
“Pay me” — request layer
  • No merchant clearing or settlement
  • No fiat off-ramp
  • No terminal integration for physical POS
  • No fee accounting, hooks, or composability
OpenPasskey
“Here’s how” — settlement layer
  • SessionReceiver — deterministic payment address
  • ClearingVault — clearing, fees, hooks, payout
  • Terminal-native — physical POS, no server
  • Off-ramp — stablecoin → AUD via AUDD / AUDM
Proved at the Tempo hackathon: an MPP request triggered the payment, our ClearingVault settled it. Same rail, human or agent.
“We were paying Square 1.6% on every coffee. With OpenPasskey it's 0.6% and the money is in our account before lunch, not Tuesday.”
Chloe's Mama Kitchen logoChloe's Mama Kitchen · Turramurra · live since April 2026

Run a tap on the future rail.

We'll ship a configured OPK Pay device, set up your vault, and walk you through your first transaction. 60 bps flat. No chargebacks. Australia first, expanding from Q3.

Talk to salesStart with a stamp card