> For the complete documentation index, see [llms.txt](https://facil-team.gitbook.io/facilpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://facil-team.gitbook.io/facilpay/features/payments.md).

# Payments

Frictionless. Non-Custodial. Built for the Real World.

FacilPay redefines how people exchange value—making crypto payments feel as seamless and intuitive as sending a message. Whether you’re splitting a check, paying a vendor, or sending funds across borders, every transaction happens inside the conversation. No app-switching. No wallet pasting. Just tap, confirm, and move on.

Built on Base, Coinbase’s Ethereum Layer-2 network, FacilPay delivers high-speed, low-cost transactions with Ethereum-grade security. And with full support for major blockchains like Bitcoin, XRP, Solana, and BNB Chain, FacilPay is natively multi-chain—engineered to serve real users across real ecosystems.

Behind the scenes, our AI-powered engine interprets user intent, selects the optimal blockchain path, and executes transactions—while keeping the experience human and familiar.

#### 🔑  Key Features

* **Non-Custodial by Design**\
  You always hold your keys. FacilPay never takes custody of user funds, ensuring privacy, security, and full ownership.
* **“Pay Now” Simplicity**\
  One tap inside the chat is all it takes. Users can send and receive assets instantly, without ever leaving the message thread.
* **Request Payments**\
  Seamlessly request specific tokens or amounts with pre-filled prompts, all inside the conversation.
* **AI-Powered Intent Engine**\
  Whether you type “Send 100 USDC to Mom” or simply tap “Pay,” FacilPay understands what you want to do—and handles the complexity for you.
* **Real-Time Settlement**\
  Transactions finalize in seconds, with confirmation directly embedded in the message flow.
* **Multi-Network, Multi-Asset Support**\
  Built on **Base**, FacilPay supports transactions across **Ethereum, Bitcoin, Solana, XRP, BNB, Stellar Chain**, and **more**—making cross-chain payments feel seamless and native.

***

#### 🧾 Built for Individuals, Creators & Businesses

* **B2C & B2B Ready**\
  From freelancers to enterprises, FacilPay enables secure, scalable, non-custodial payments.
* **Invoice Payments**\
  Send branded, tokenized invoices in chat, with real-time status tracking and instant payment.
* **Bulk Payouts & Disbursements**\
  Automate multi-user payouts across chains—ideal for vendors, contributors, and reward campaigns.
* **Gasless Split Payments (SKALE)**\
  Powered by SKALE’s gasless architecture, FacilPay enables **fee-free group payments**—perfect for shared expenses, tipping pools, or DAO operations.
* **Gasless Airdrops**\
  Send tokens to users without requiring them to hold gas—making onboarding effortless and frictionless.

***

#### 🌍 On/Off-Ramp Integrations

FacilPay integrates with regulated third-party providers, including **Coinbase, Transak, Stripe, Circle, MoneyGram**, and more—enabling optional access to:

* Convert crypto to fiat
* Withdraw to local bank accounts or cash pickup locations
* Reach over 180 countries with trusted rails

***

#### 🧾 Coming Soon

* **Crypto Card Compatibility**\
  FacilPay is designed to support future integration with crypto card partners—enabling users to spend digital assets at physical and online merchants globally.

## Chat and Pay with FacilPay 

Messaging and Crypto Transactions Simplified Chatting with friends, family, or merchants and paying with cryptocurrency is as easy as sending a text message – that's the world Facil creates. Our application allows you to communicate and transact simultaneously within a single, intuitive interface.

<figure><img src="https://3438255478-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fpb2hZbkqaqzvJwq6nmtc%2Fuploads%2FqsdpOK3UKeizHy9AZ7hV%2Fimage.png?alt=media&amp;token=d92324a7-a642-4982-8e6c-53d88c642704" alt="" width="375"><figcaption></figcaption></figure>

## Global Transfer made Facil (easy)

Web3 cross-border payment, GLOBAL REACH IN OVER 182 COUNTRIES: Need to convert crypto to fiat without a bank account? We’ve got you covered! Through our integration with MoneyGram, the Facil Pay app allows users to perform cash-out transactions in 182 countries worldwide, offering a practical solution to the unbanked.

<figure><img src="https://3438255478-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fpb2hZbkqaqzvJwq6nmtc%2Fuploads%2FLbPqnveH9Tkg3rMXD3X3%2Fimage.png?alt=media&amp;token=9e662869-85cd-4d7b-95a2-e9b34f7835b5" alt="" width="375"><figcaption></figcaption></figure>