Settlement-First Payments
Native To SWSS Chain
SWSS Pay routes every transaction through SWSS Chain mainnet, Sub Second finality, Finality Certificate per settlement, Sumsub KYC reused from SWSS App, no off chain reconciliation queue.
Payments That Settle, Not Promise
SWSS Pay is a Q4 2026 product built on a chain that is already running. SWSS Chain went mainnet after a 365+ day testnet, so Pay launches onto live infrastructure, SCP v3.2.1 four pillar consensus, 1 second blocks, not a future commitment.
Every Pay settlement issues a DTS 05.6 Finality Certificate, a protocol level cryptographic instrument, not a smart contract side effect. Pay is the third revenue stream feeding the Settlement Combustion Model, alongside RwaX and Draw.
// SWSS Pay, settle on SWSS Chain
import { SwssPay } from "@swss/pay";
const pay = new SwssPay({
chainId: 122605, // SWSS Chain mainnet
rpc: "https://swssrpc.swss.io",
});
const tx = await pay.settle({
amount: "100.00",
asset: "SWSS", // or stablecoin
deed: "DTS-05.1", // Home Deed
memo: "Order #12345"
});
// → tx.finalityCertificate (DTS 05.6)
// → SWSS Mainnet Explorer /tx/...Core Capabilities
Payments rebuilt around blockchain finality, not bolted onto it
Settlement First Payment Rails
Every SWSS Pay transaction settles natively on SWSS Chain with a Finality Certificate, no off chain reconciliation queue.
- Sub Second block finality
- Finality Certificate per tx
- Native SWSS Coin gas
- EVM Cancun compatible
Crypto ↔ Fiat On/Off Ramps
Bridge fiat acceptance into SWSS Chain settlement, adding a structural fiat demand stream for SWSS Coin.
- Card & bank acceptance
- Stablecoin pairs
- Auto-routed to SWSS Chain
- Audit trail on Explorer
Sumsub KYC Reuse
One Sumsub verification in SWSS App unlocks SWSS Pay alongside RwaX, Draw and every regulated product.
- Single KYC across products
- Sanctions & PEP screening
- Risk scoring engine
- Re-KYC on policy change
SWSS App Integration
Pay flows live inside SWSS App, wallet, bridge, staking and Pay share one login, one balance, one history.
- Single sign-on
- Unified portfolio
- Push notifications
- Receipts on-chain
Merchant & Marketplace Tools
Merchants accept SWSS Coin or stablecoins and settle to fiat or hold on chain, with marketplace split payment logic.
- Hosted checkout
- Split payouts
- Refunds on-chain
- Per-merchant deeds
ERRP Revenue Recirculation
Pay revenues feed Layer 2 of the Settlement Combustion Model, Ecosystem Revenue Recirculation Protocol.
- SCM Layer-2 wired in
- TSL retirement per tx
- Stake Gravity rewards
- Public, on-chain accounting
Technical Architecture
Four layers, API, settlement, certificate engine, identity & risk
Payment API Layer
REST endpoints, hosted checkout, webhook events, OAuth + signed requests
SWSS Chain Settlement
Direct submission to SWSS Chain Mainnet, no intermediary clearing layer
Finality Certificate Engine
Each settled tx emits a DTS 05.6 cryptographic Finality Certificate
KYC & Risk Layer
Sumsub identity, sanctions screening, transaction monitoring, risk scoring
Settlement Security
Finality Certificate
Protocol level cryptographic settlement proof, not a smart contract side effect
Validator Staking Security
Five tier validator staking (4 phases) underwrites every settlement
Sumsub Identity
Reusable identity layer shared across SWSS App, RwaX, Draw and Pay
Public Explorer
The SWSS Mainnet Explorer exposes every tx, deed and certificate in real time
Performance & Scale
1 Second Blocks
SCP v3.2.1 four pillar consensus delivers sub second user perceived finality
Validator Set
4 live validators + 20+ in testing, expanding with NodeX rollout
365+ Day Testnet
Mainnet bring up only after 365+ days of continuous testnet operation
EVM Compatible
Standard tooling, Foundry, Hardhat, Viem, Ethers all work day one
Built On Deed Standards
SWSS Pay co issues four of the five Deed Transaction Standards, every settlement carries the right legal envelope, recorded on SWSS Chain
Native SWSS Chain Settlement
SWSS Pay does not bolt blockchain on, it IS a blockchain product. Every payment writes to SWSS Chain mainnet.
- SWSS Chain Mainnet
- 1-second block time
- EVM Cancun (EIP-1153)
- Public Explorer transparency
Crypto + Stablecoin Acceptance
Accept SWSS Coin natively plus major stablecoin pairs, with optional fiat off ramp at settlement.
- SWSS Coin native gas
- Stablecoin pair support
- Fiat off-ramp (Q4 2026)
- Wallet & bridge in SWSS App
Deed Backed Settlement
Pay co issues four of the five Deed Transaction Standards, every settlement carries the right legal envelope.
- DTS 05.1 Home Deed (RwaX)
- DTS 05.2 Compute Deed (InfraX)
- DTS 05.3 AI Agent Deed (OwlX)
- DTS 05.5 Trade Finance Deed
Settlement Combustion Model
Pay revenues feed all three SCM layers, TSL retirement, ERRP recirculation and Stake Gravity Protocol.
- TSL micro-retirement per tx
- ERRP Layer-2 (Q3 2026)
- Stake Gravity Protocol
- Publicly auditable accounting
Developer Integration
EVM standard tooling, Foundry, Hardhat, Viem, Ethers all work day one against SWSS Chain Testnet
SDKs & Libraries
EVM standard SDKs plus REST/GraphQL endpoints, works with any web3 toolchain
Webhook Events
Real time settlement, KYC and Finality Certificate events delivered to your stack
Testnet Sandbox
Full feature sandbox on SWSS Chain Testnet, same code paths as mainnet
0x1DEED, production SWSS Chain
0x1DEEE, same code paths as mainnet
SCP v3.2.1 four pillar consensus
Compliance By Design
Sumsub identity, sanctions screening, transaction monitoring, all reused from SWSS App, all visible on Explorer
Sumsub KYC
Identity Verification
AML Monitoring
Continuous Screening
GDPR Aligned
EU Data Standards
SCP v3.2.1
Four Pillar Consensus
Finality Certificate
Per Settlement
Malaysia HQ
Global Tech Centre
Sumsub KYC Reuse
- Single Sumsub KYC unlocks SWSS Pay alongside RwaX, Draw and every regulated product
- Continuous sanctions, PEP and adverse media screening as part of the App identity layer
- Risk scoring tied to wallet history and on-chain reputation
- Re-verification triggered on policy or jurisdictional change, no manual support ticket
Transaction Monitoring
- Configurable per-merchant velocity, value and geography limits
- Pattern detection across SWSS Chain transaction graph
- Alerting tied to compliance dashboards inside SWSS App
- All monitoring decisions written to Explorer, fully auditable
Where SWSS Pay Settles
Pay rails connect RwaX, InfraX, OwlX, Draw and trade finance under one settlement layer
RWA Deed Settlement
Pay rails settle Home Deeds and Commercial Property Deeds for SWSS RwaX, title transfer + payment in one tx.
- Home Deed payments
- Apartment Passport linkage
- English contract law pathway
Merchant Checkout
Hosted checkout for merchants accepting SWSS Coin or stablecoins, with optional auto conversion at settlement.
- Hosted pages & API
- Refunds as on-chain tx
- Receipts via Explorer
Trade Finance Deeds
DTS 05.5 Trade Finance Deed, Pay co issues with REALM to settle invoice and trade finance flows on chain.
- Invoice settlement
- Multi-party splits
- Finality Certificate per leg
SWSS Draw Payouts
Winning BEP-721 tickets settle prizes through SWSS Pay rails, provably fair RNG, certificate backed payout.
- Ticket settlement
- On-chain RNG receipt
- Single-tx payout
Compute Deed Billing
Metered GPU compute on SWSS InfraX bills through Pay, DTS 05.2 Compute Deed settled per delivery.
- Per-call metering
- Compute Deed receipts
- ERRP recirculation
AI Agent Payments
OwlX agents register under DTS 05.3 AI Agent Deed and settle per call revenue through SWSS Pay.
- Agent identity on-chain
- Metered settlement
- Revenue split logic
Platform Benefits
On Chain By Default
Every Pay settlement is recorded on SWSS Chain mainnet, not a database entry
Sub Second Finality
SCP v3.2.1 confirms blocks in one second, end to end
Finality Certificate
Each transaction issues a protocol level cryptographic settlement proof
Public Explorer
Every tx visible on the SWSS Mainnet Explorer with full receipt and certificate
Crypto + Fiat
Accept SWSS Coin, stablecoins, cards and bank transfers in one flow
Settles With App
Lives inside SWSS App, no separate wallet, bridge or staking screen
EVM Cancun
Standard EVM tooling, EIP-1153 supported
Fixed 5B Supply
Pay revenues retire SWSS Coin via TSL, no inflation, ever
Pay Milestones
From research, to ERRP activation, to launch inside SWSS App
Pay rails architecture drafted alongside SCM Layer 2 (ERRP) economic model.
SWSS Chain mainnet, SWSS App beta, Sumsub KYC layer and Explorer all live, Pay's prerequisites in production.
Settlement Combustion Model Layer 2 (Ecosystem Revenue Recirculation Protocol) activates, Pay revenue stream wires in.
SWSS Pay launches inside SWSS App with crypto, stablecoin and fiat bridge acceptance, settling Home, Compute, AI Agent and Trade Finance Deeds.
Trade Finance and Commercial Property Deeds scale; cross chain Pay flows tracked under SCP cross chain settlement.
SWSS Pay Launches Inside SWSS App, Q4 2026
One Sumsub KYC, one wallet, one settlement layer, Pay joins RwaX, Draw, Bridge and Staking under a single login.
Single login across the entire ecosystem
Sub Second finality, SCP v3.2.1
5B fixed supply, TSL retirement per tx
Every Pay tx visible on the SWSS Mainnet Explorer