a genuine defi crypto payment solution

Hey folks! I stumbled upon this new project that I wanted to share. They're claiming it's a "genuine DeFi-focused crypto payment solution". The idea is to totally change the way we do crypto transactions by offering a completely decentralized payment method. This could really shake things up for both businesses and customers who want a safer and smoother way to use cryptocurrencies. I'm super interested to know what you all think. Do you reckon this project can actually live up to its hype? How do you usually check if a DeFi project is genuinely decentralized and works well? Also, are there any other similar projects or competitors out there? I'd really like to hear your opinions and any comparisons you can offer.

You find a project and you can't even share the name or link to the websites and social media site. This is just a payment network from what you describe and I doubt this is going to change anything, most of the payment network in the space can't stand alone they still rely  on the traditional big names like Mastercard and Visa for their operations to be robust. I will you well but I doubt this is for me

I never heard that there is a DeFi-based cryptocurrency payment gateway why not tell us the any of defi project that you know have this feature? For me, I don't we need this as we already have a crypto payment gateway that is open-source, free, and decentralized so why would I need to use their defi project if sample using BTCpayserver as a payment gateway it is decentralized and all of the invoices are generated from your own wallet that you fully control and it does not have 3rd party unlike you said defi based payment gateway I think it still needs to bridge meaning it will still use a middleman or a 3rd party unlike when you use BTCpayserver.

I was expecting that you'd mention the name of the project because that's what most of the newbies are doing. They are coming to the forum to shill their project and will go like how you did it. On a general opinion, most of these projects that have a grandstanding introduce aren't likely to deliver their promises. They're all doing the launching on the bull run because they know that this is a cyclical market and their success rate is higher than the other seasons of the market. I'm speaking in general about the situation of the market and when they're releasing it. So, any kind of project that have these descriptions about themselves, might caught some investor. But yeah, a defi payment gateway? how's that? we've got already a lot of payment solutions here and there.

Thinks about what, mate? Please tell us the name of the project so we can look for the details ourselves. We can’t simply deduce whether a project is no good considering its concept alone. There’s only one way to find out and that is by using it. I’m gonna be honest to me this seems like a very basic concept and not at all unique. I’m pretty sure there’s lots of projects who promised this but maybe they didn’t succeed.

What is the name of the new crypto project you are talking about, OP? Why didn't you even mention it in your post here? Do you hesitate to say this in this section? It's true that there are many other cryptocurrencies that were before that, and others have been doing that concept for years, like SHIB, which had that kind of development implemented in Taiwan before, if I'm not mistaken.      Then also with other cryptos like XMR, Ethereum, and others, so that kind of gimmick that a cryptocurrency does in the business industry that we live in is actually not new.

Sorry, I thought I mentioned the project, my bad. It's name is Paymento (paymento.io), I found them on LinkedIn. I don't know if they're open-source but yeah it says that it does the way you described here. I think Paymento has a Buy Now Pay Later feature? either that or they're working on it for the future. here's the post on LinkedIn: https://www.linkedin.com/posts/paymento_paymento-cryptobnpl-innovationinfinance-activity-7202320584066691072-3kZV?utm_source=li_share&utm_content=feedcontent&utm_medium=g_dt_web&utm_campaign=copy I've done some research in the meantime, and apparently crypto payment gateways are custodial. I'm looking for a non-custodial options and wanted to know if even it is possible or not (I'm not very into the technicality of crypto, I just HODLed some in the recent years and now I want to integrate some gateways with my website, so I'm asking around)

Yeah sorry I thought I named it in the original post. It's Paymento (paymento.io is their website) their unique thing is the BNPL feature that they're focused on. There's a lot of payment gateways and plugins but this feature is in non of them. I'll probably use it but I'm not sure about the BNPL thing right now. it seem a bit too real to believe for me. What about the volatility of the market? :/ I'll be honest, my readings are a bit not enough about this project and subject, so I'll be looking into it in near future

Sorry, I thought I mentioned it. here's the website (paymento.io). yeah I was looking for payment gateways and I'm not sure if these projects provided that in the sense I'm looking for (like an actual plugin for websites) but it seems that it's not a new idea. I have to wait for their developments to see where are they heading, right?

After I checked on their documentation no, they don't have any open-source code. About the feature buy now and pay later feature you can also apply it in other crypto payment gateways as likely the same as subscriptions or if you are using woocommerce you can add this feature buy now pay later. There's a list of hosted, non-hosted, custodian, and non-custodial payment gateway you can't find it easily on Google but if you search them here on the forum you should be able to find them. Anyway, here's the list of payment gateway below. - https://github.com/alexk111/awesome-bitcoin-payment-processors

Have you talked to ChatGPT yet? To me it looks like you don't have solid idea yet, when you get past that, rest will fall in place ^^

A true DeFi-based crypto payment gateway in 2026 is designed to operate without intermediaries, giving merchants full control over funds through smart contracts instead of centralized processors. Unlike traditional gateways, these solutions enable direct wallet-to-wallet transactions, lower fees, and greater transparency. However, merchants should also consider usability, transaction speed, and integration support, as pure DeFi systems can be complex. The ideal setup balances decentralization with practical features like stablecoin support and smooth checkout. In this space, acrosspay offers a modern approach by combining DeFi-like control with user-friendly tools, making it easier for businesses to adopt crypto payments without technical friction.

Good question, and it is one worth being precise about. Most so-called DeFi payment gateways are not actually decentralized in any meaningful way. They still hold your funds, run their own custodial infrastructure, and can freeze your account just like a traditional processor. The DeFi label gets applied pretty loosely. That said, there are projects that take a more genuine approach by keeping the merchant in control of their own funds rather than sitting in the middle. One I have been using is EasyCryptoPay. It connects directly to your own exchange account via API, so deposits flow to wallets you control rather than being held on a third party platform. That is the key distinction in my view. In terms of verifying whether a project is truly decentralized or at least non-custodial, I usually ask these questions: Who holds the private keys? Can the platform freeze or reverse my funds? Is the settlement going to my wallet or to theirs first? If the answers put control in the platform's hands, it is not really DeFi regardless of what the marketing says. As for competitors, most of the bigger names like BitPay, CoinGate and NOWPayments are custodial or semi-custodial. EasyCryptoPay is one of the few I have seen that lets you stay in control from day one without needing to be a blockchain developer to set it up.