Terms of use

UsePayAI operates PayAI at usepayai.xyz. PayAI is not affiliated with PayAI Network, payai.network, or the $PAYAI token.

PayAI is provided as-is, without warranty of any kind. You are solely responsible for the wallet you connect and every transaction it signs. Smart-contract execution is final. PayAI cannot reverse, cancel, or recover a transaction once it is broadcast to Monad.

Settlement is governed by the contracts deployed on Monad (PaymentExecutor, PayAIForwarder, AutomationVault, MerchantRegistry, PayAITradeExecutor, and their current versions), not by this interface. Always verify the recipient, asset, amount, and fee in your wallet before approving.

Interactive payments and trades in the web app are non-custodial: your wallet signs. Payment Automations use a capped on-chain agent and, for Reserved Funds, an isolated vault — still contract-bounded, not a PayAI hot wallet holding your balance.

PayAI currently charges a 0.25% platform fee (25 basis points) of the gross amount handled by the contract, rounded down, on send-payment, Wallet Automation, and Reserved Funds executions, on split payments (0.25% of the recipients' total), and on swaps and trades routed through PayAI's trade executor. It is collected on-chain and added on top of the amount, so the recipient receives — and a swap swaps — the full amount you set; the effective fee relative to that amount can be slightly higher than 0.25%. Automations created before the fee moved on top keep having it deducted from each payment. Swaps and trades routed directly to a DEX carry no PayAI fee. Monad network gas is always paid by the signer.

The on-chain fee cannot exceed 1.00%. The exact fee and total are shown in the confirmation screen before you sign; the authoritative rate is each contract's on-chain rate when the transaction executes. /api/fees publishes configured estimates and is not authoritative. Rates can change; the amount you sign or approve is never exceeded. See Fees.

PayAI does not provide investment, legal, or tax advice, and does not guarantee uptime of third-party RPC providers, wallets, LLM providers, Telegram, or the Monad network itself.

You are responsible for complying with the laws that apply to you when sending, receiving, automating, or trading on-chain. Recipients are screened against the OFAC SDN digital-currency address list. That is not a licensed KYC/AML programme and does not make a payment legal in your jurisdiction.

To the maximum extent permitted by law, UsePayAI is not liable for lost funds, failed or delayed transactions, smart-contract bugs, key compromise (including of a Telegram bot wallet or the automation agent), RPC faults, or any indirect, incidental, or consequential damages. On-chain transfers are irreversible.

Questions: support@usepayai.xyz. See also Privacy and Security.