Accept crypto.
Keep your keys.
ionety is a payment processor that never takes custody of merchant funds. Customers pay from their wallet on any major chain, and settlement lands in yours — USDC, USDT, or DAI on Base, or native BTC on Bitcoin L1.
Live on Base & Bitcoin mainnet · Invite-only access · No card on file
Settles directly to merchant. ionety never holds funds.
From invoice to wallet in three steps.
Create an invoice
From the dashboard or a single API call. Pick a currency — USDC, USDT, DAI, or native BTC — set the amount, and the customer pays directly into your wallet.
Share the checkout link
Drop it in an email, a DM, or embed it as a button. Your customer opens a hosted page on pay.ionety.com — wallet connect, source-chain pick, signed in seconds.
Get paid to your wallet
Funds settle directly to your address — USDC, USDT, or DAI on Base, or native BTC on Bitcoin L1. No intermediary balance, no payout queue, no withdrawal step.
Three things you don't have to worry about anymore.
Lighter regulatory surface
Custodial processors are typically regulated as money transmitters because they hold customer funds. ionety doesn't, so that layer of oversight doesn't sit on top of your integration. Local business rules still apply to you.
No funds at rest in our infra
Nothing to seize, freeze, or lose in a breach. Our servers route data, not money — your wallet is the only place customer funds ever live.
Atomic settlement on chain
On Base, payment, protocol fee, and merchant payout all happen inside one transaction. Either everything settles, or nothing moves — no half-paid invoices.
One line. No surprises.
Stablecoin payments split on chain by the router in the same transaction the customer signs. BTC payments settle 1:1 to your wallet; the 1% pulls weekly from a one-time USDC allowance you can revoke any time.
Network gas is paid by whoever signs the transaction (typically the customer) — separate from ionety's fee.
Honest answers, not marketing answers.
Anything we haven't covered, or anything you'd want to verify before piping production traffic through us — write us. We'd rather lose a deal early than oversell.
[email protected]What does non-custodial actually mean?
It means ionety never takes possession of merchant or customer funds at any point. The customer's wallet sends payment to a router smart contract, which atomically forwards the merchant's share to your wallet and our fee to ours, in the same transaction. There is no ionety-controlled balance or pooled account holding your money.Which chains are supported?
For stablecoin payments, settlement is on Base — that's where USDC/USDT/DAI land in your wallet. Customers can pay from Ethereum, Arbitrum, Optimism, Polygon, or Base directly. Cross-chain payments are bridged via Across Protocol and settle on Base in ~30 seconds. For Bitcoin payments, settlement is on Bitcoin L1 (on-chain) — the customer sends BTC directly to a unique address you control via your xpub, and you receive native BTC at your own wallet, not a wrapped token.Which tokens can my customers pay with?
USDC, USDT, DAI, and native BTC. Each invoice picks one currency at creation. For stablecoins the customer pays in that asset (no swap) and you receive it on Base. For BTC, the customer pays in native BTC on Bitcoin L1 and you receive native BTC at the next address derived from your xpub — we never touch the funds, never custody anything, and you don't need a Lightning node.How are payouts settled?
There is no payout. For direct Base payments, funds arrive in your wallet at the same moment the customer's transaction is confirmed — typically a couple of seconds. For cross-chain payments (e.g. customer paying from Arbitrum), the Across relayer fronts the destination tx and the merchant receives the asset on Base in ~30 seconds. For BTC payments, the customer sends BTC straight to your xpub-derived address and you have it once the transaction confirms (~10–30 min on Bitcoin L1). Either way: no batch, no T+2, no withdrawal step.When do you take the 1% fee?
For stablecoin payments: on chain, inside the same transaction that pays you. The router contract splits the customer's payment between your wallet and the ionety fee address before it ever lands anywhere — if the transaction reverts, neither side moves and we earn nothing. For BTC payments: we never touch your BTC, so we can't atomically split it. Instead you sign a one-time USDC allowance to our fee wallet, and once a week we pull our 1% in USDC from your wallet via on-chain `transferFrom` — no card, no Stripe, no fiat anywhere. Revoke any time; revoking auto-disables BTC.Can I refund a customer who paid the wrong amount?
Yes — but the refund is initiated from your wallet, since that's where the funds live. The dashboard surfaces the customer's payment address and the original amount; you sign a transfer back. ionety doesn't reach into your wallet, so there is no platform-side refund button.Do you support recurring payments or subscriptions?
Not yet. On-chain recurring authorization is on the roadmap, but it isn't shipped. Today every charge is a one-shot invoice the customer signs.