A user-owned payment network where weekly revenue is shared equally. Fully transparent. Fully backed. Simple to use.
To build the world's first user-owned payment network — a simple, transparent, fully-backed system where everyday people, not corporations, benefit from the value they help create.
PaYa is a new kind of payment network — one that belongs to its users.
Use PaYa to send money to anyone with a username. Payments are instant and whole-dollar.
Revenue comes from optional fees like instant loads, over-limit redemptions, and merchant transactions. Not from peer-to-peer payments. No hidden fees, no data selling.
Every week, all active users receive an equal share. No tiers, no special privileges.
What makes you active? Simply send at least $1 publicly to another user during the week. That's it.
The foundation of everything we build.
Reserve totals, weekly revenue, operating costs, distributions, active users, system rules. Nothing is hidden.
No decimals. $1 minimum. Weekly cycles. Clear limits and fees. Easy onboarding. Straightforward redemption.
All active users get equal weekly payouts. No bonus tiers. No whales. No pay-to-win. No special deals.
Value created by the network is returned to the community. You help build it, you benefit from it.
Full reserve. Pegged 1:1 to the dollar. No speculation. No volatility. Real money, always available.
KYC verification. Device binding. Abuse prevention. Partner bank compliance. Zero tolerance for illegal use.
Users propose features. Users vote on improvements. Users guide the direction of the network.
Everything about PaYa is visible to everyone.
No. PaYa is a full-reserve payment network. We don't lend, don't offer interest, and don't re-use user funds.
Yes. Each token is backed 1:1 by a real dollar held in the reserve account. You can redeem your balance to your bank account.
Every week, the network's revenue is added to a shared pool. All active users receive an equal share of that pool. No tiers, no complicated rules.
Simply send at least $1 publicly to another user during the week. That's the only requirement to qualify for your share.
No. There is no blockchain, no appreciation potential, and no speculation. PaYa tokens are simply backed 1:1 by dollars.
Yes. We operate as a closed-loop, fully-backed, transparent token system with the oversight of a sponsor bank.
Transparency ensures fairness, builds trust, and powers the social feed. You can make private payments, but they don't count toward weekly activity.
Weekly cycles keep behavior consistent, payouts predictable, and the system easy to understand. No complex daily calculations or confusing schedules.
Be among the first to experience fair, transparent, user-owned payments.