Enterprise crypto payment gateway and wallet infrastructure supporting over 350 digital assets
Crypto · Stablecoins +2InvoicingSettle in stablecoins
LlamaPay
Non-custodial EVM payment gateway and salary streaming protocol with 0% fees on direct stablecoins
3.4/ 5
Our score
Fair
Processing fee
0%
Settlement
CryptoStablecoins
Settle in stablecoins
Yes
Self-hosted option
Yes
Business verification (KYB)
No
What is LlamaPay?
LlamaPay is a multi-chain payment gateway and salary streaming protocol operating across Ethereum Virtual Machine (EVM) networks. It enables merchants to accept on-chain checkout payments, while letting organizations automate token vesting and stream payroll by the second without taking custody of user funds.
How the protocol works
The system operates non-custodially using deterministic smart contracts that share the same deployment address across all supported EVM networks, including Ethereum, Arbitrum, Optimism, Base, Polygon, Avalanche, and BNB Chain. For payment checkouts, LlamaPay uses direct transfers rather than intermediate contract hops, minimizing network gas fees. Recurring subscription funds held in smart contracts can be placed into Aave lending pools to earn yield that offsets subscription expenses. For payroll and outgoing streaming, payees accrue funds every second using 20-decimal internal accounting, and anyone can trigger withdrawal claims directly to third-party addresses or centralized exchanges.
Pricing and fee structure
Outgoing payments, including salary streams, scheduled transfers, and token vesting contracts, carry no protocol fee and run on non-upgradeable contracts without admin keys. For merchant payment gateways, LlamaPay charges 0% in fees for direct stablecoin transactions. Payments originating in non-stablecoin tokens incur a 0.5% fee to cover token swapping. Recurring automated subscriptions carry a 1% fee on processed volume.
Adoption and security verification
The protocol requires no merchant KYB or identity verification, remaining accessible to any wallet interacting with supported EVM chains. PeckShield completed a security audit of LlamaPay smart contracts. As of October 2026, the protocol held approximately $2.2M in total value locked, with cumulative decentralized exchange volume surpassing $32.6M.
Risks and trade-offs
Because LlamaPay relies directly on underlying blockchain networks, transactions are irreversible and offer no chargeback dispute mechanism. Merchant settlement occurs strictly in on-chain cryptocurrencies or stablecoins without automated fiat bank off-ramps. Subscription yield features introduce smart contract composability exposure to third-party protocols such as Aave.
Best for:DAOs streaming contributor salariesWeb3 merchants settling in stablecoinsTeams automating token vesting cliffs
Pros and cons
Pros
- Zero percent protocol fees on direct stablecoin merchant payments
- Non-custodial smart contracts require no KYB
- Identical deployment addresses across major EVM networks
- Outgoing streaming contracts are non-upgradeable without admin keys
Cons
- No direct fiat currency settlement or bank payout options
- Irreversible on-chain payments lack chargeback or dispute systems
- Subscription yield mechanism adds smart contract exposure to Aave
- Restricted strictly to EVM-compatible blockchain environments
Our review
3.4/5
Fair
LlamaPay provides non-custodial, zero-fee stablecoin streaming and checkouts across EVM networks, but it lacks fiat off-ramping.
LlamaPay is a non-custodial payments protocol built for EVM networks, handling real-time token streaming alongside a decentralized checkout gateway. Outgoing payment streams for payroll, scheduled transfers, and token vesting contracts are completely free of protocol fees. The contracts are non-upgradeable and have no owner or admin. For merchant checkouts, direct stablecoin payments cost 0%, token payments requiring a swap carry a 0.5% fee, and recurring subscriptions incur a 1% fee on settlement.
LlamaPay claims stream deployment is 3.2 to 3.7 times cheaper than competing tools, and payments rely on standard direct transfers rather than complex smart contract approvals. Subscriptions route idle balances to Aave to earn interest, which offsets subscriber costs. Third parties can also trigger withdrawals for a recipient. This lets a payee route stream payouts directly into a centralized exchange deposit address without signing transactions from that receiving wallet.
However, LlamaPay has clear structural trade-offs for traditional commerce:
- No integrated fiat off-ramps or auto-conversion to bank accounts.
- Total reliance on EVM chains, excluding non-EVM ecosystems like Bitcoin and Solana.
The protocol suits Web3 native businesses, DAOs, and crypto-native teams managing automated payroll or subscriptions.
Specs
| Processing fee | 0% · unverified |
|---|---|
| Settlement | Crypto, Stablecoins · unverified |
| Integrations | Gnosis Safe · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Self-hosted option | Yes · unverified |
| Business verification (KYB) | No · unverified |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Coins supported, Invoicing, Point of sale, Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Real-time payment streaming
Streams compensation second by second with 20-decimal precision. Recipients can withdraw accrued balances at any time.
Zero-fee direct payments
Processes direct stablecoin payments with a 0% protocol fee and charges 0.5% when token swaps are needed.
Third-party claim execution
Allows third-party wallets or payers to trigger withdrawal transactions on behalf of payees directly into centralized exchange deposit addresses.
Yield-generating subscriptions
Routes idle subscription balances into Aave to offset subscription charges while levying a 1% protocol fee on paid amounts.
Token vesting contracts
Provides token vesting contracts with cliff schedules forked from Yearn Finance for team token distributions.
Multi-chain contract parity
Deploys identical contract addresses across EVM chains such as Ethereum, Arbitrum, Base, Polygon, and Avalanche.
Inside LlamaPay
Payment Streaming
Automates real-time token disbursements by the second for salaries and recurring distributions. Payees can withdraw accrued funds continuously.
Payments Gateway
Enables merchants to accept direct crypto payments and recurring subscriptions, using direct wallet transfers to minimize gas usage.
Scheduled Payments
Allows users to schedule a transaction to execute automatically at a selected future date, with the option to cancel before it runs.
Vesting Contracts
Deploys token vesting schedules with configurable cliffs, forked from Yearn Finance architecture.
LlamaPay screenshots
User reviews
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FAQ
What fees does LlamaPay charge?
Outgoing streams, salaries, and direct stablecoin payments carry a 0% protocol fee. Direct payments requiring a token swap cost 0.5%, and recurring subscriptions carry a 1% fee.
Is business verification or KYB required to use LlamaPay?
No, LlamaPay is a non-custodial smart contract protocol that requires no identity verification or KYB to deploy or receive streams.
Has LlamaPay been audited?
Yes, LlamaPay has undergone an audit conducted by PeckShield for its smart contracts.
Which networks does LlamaPay support?
LlamaPay supports major EVM chains including Ethereum, Arbitrum, Optimism, Base, BNB Chain, Polygon, Avalanche, Gnosis, and Sonic, using identical contract addresses across them.
Can recipients withdraw funds directly to centralized exchange accounts?
Yes. Third parties or payers can trigger the withdrawal transaction on behalf of the payee, so balances settle into deposit addresses on centralized exchanges.
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