AI-Built Payment Stack Goes Live in 10 Minutes

New self-hosted crypto payment gateway PayRam aims to empower merchants and AI agents to process payments without third-party control.

Mar. 10, 2026 at 7:53am

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A new self-hosted crypto payment gateway called PayRam allows merchants and AI agents to process payments quickly and autonomously, without relying on third-party payment processors. The platform can be deployed in under 15 minutes and supports major stablecoins across multiple blockchains. Its Model Context Protocol (MCP) server exposes payment primitives directly to AI agents, enabling them to orchestrate transactions through natural language prompts. PayRam also offers a card-to-crypto onramp solution to help merchants accept payments from customers without crypto wallets.

Why it matters

PayRam's self-hosted, permissionless model gives merchants and developers more control over their payment infrastructure, especially those in high-risk industries that often face deplatforming issues with centralized payment providers. The MCP integration also makes it easier for AI agents to handle payments as part of autonomous workflows, unlocking new possibilities for agentic commerce. The card-to-crypto onramp helps lower the barrier to entry for crypto payments, which could drive wider mainstream adoption.

The details

PayRam is a self-hosted stablecoin payment gateway that can be deployed with a single bash command. It supports USDT and USDC across Ethereum, Base, Polygon, Tron, and TON blockchains, as well as Bitcoin. The platform's MCP server exposes payment primitives like creating payment intents, tracking status, and managing payouts, allowing AI agents to orchestrate transactions through natural language prompts. PayRam also offers a card-to-crypto onramp solution that lets customers pay with fiat methods like credit/debit cards, bank transfers, and mobile wallets, with the funds automatically converted to crypto and deposited into a self-custodial wallet.

  • PayRam was launched in 2026.

The players

PayRam

A self-hosted stablecoin payment gateway that aims to empower merchants and AI agents to process payments without third-party control.

Siddharth Menon

The co-founder of PayRam, who previously co-founded the cryptocurrency exchange WazirX.

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What’s next

PayRam plans to expand its card-to-crypto onramp solution to support more blockchains beyond the current Base blockchain integration.

The takeaway

PayRam's self-hosted, permissionless payment infrastructure empowers merchants and AI developers to process transactions without relying on third-party payment providers, giving them more control and flexibility over their payment stack. The platform's MCP integration and card-to-crypto onramp features make it easier for autonomous agents and crypto-curious customers to participate in the new era of agentic commerce.