Open-source multi-rail Bitcoin payment infrastructure where merchants accept fiat and crypto while always receiving final settlement in bitcoin.

P2Pay is a modular, self-custodial payment architecture built on top of BTCPay Server and peer-to-peer rails.
It is designed for censorship-resistant, high-risk and cross-border use cases.

• Settlement-first architecture (bitcoin as final layer)
• Multi-rail routing (fiat, cards, P2P, crypto)
• Self-custodial by default
• Vendor-neutral
• KYC-free where legally possible
• Designed for failure scenarios, not marketing demos

• BTCPay Server integration (Greenfield API)
• Bitcoin on-chain payments
• Lightning Network support
• USDt on TRON
• Fiat-to-BTC flows via P2P rails
• Modular rail integrations (Peach, RoboSats, others)
• Single-user booking, invoicing and ecommerce flows
• API-first architecture
• Designed for embeddable deployments

• Bitcoin-native builders who want fiat reach without touching fiat custody
• High-risk legal businesses (adult, legal cannabis, grey-zone fintech)
• Unbanked or sanctioned regions lacking access to Stripe-like gateways
• Emerging markets (LATAM, Africa, cross-border freelancers)
• Infrastructure teams building settlement-first payment systems

• On-chain
• Lightning Network
• No protocol-level limits

• TRON (via BTCPay plugin)

• Local rails aggregated through P2P platforms
• Merchant-defined fee (typically 5–7%)
• Per-transaction limits depend on rail

• Redirect-based card → BTC settlement
• KYC-free thresholds where supported
• Architecture designed to isolate chargeback risk

• Booking-first development strategy
• Market liquidity aggregation live
• P2P rail integrations modular and extensible
• Credit/debit card rails under evaluation
• Marketplace (multi-tenant) architecture planned

Multi-rail Bitcoin P2P offer comparator and spread index.

Live deployment: https://market.p2pay.to

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Multi-rail booking system with final settlement in bitcoin.

Live deployment: https://booking-template.p2pay.to

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Nitro server integration layer for RoboSats rail.

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Nuxt integration layer for RoboSats authentication and client-side flows.

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BTCPay Server plugin enabling P2P rail integrations (Peach-based).

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Wiki
Discussions
Telegram group

This is a non-profit open-source project under active development.

For teams looking for production-ready, commercial payment architecture solutions today, Blockchange provides independent multi-rail payment advisory: https://www.blockchange.expert/en/#book