Apay is a custodial digital-wallet and payment platform that lets consumers, verified market makers, and merchants move value instantly with a Polygon-powered stablecoin (APAY).
A single app and backend serve consumers, market makers and merchants — with one secure, compliant foundation.
Create a wallet in seconds. Keys are managed by the platform with HSM/KMS protection — you get a clean balance, QR receive codes and full transaction history without handling private keys.
Send and receive APAY by address or QR code. Confirmation is near-instant on the Polygon private chain, with real-time INR/USD valuation and 24h change.
Buy and sell APAY against INR through a network of rated, verified market makers. Pick the best price, pay via UPI or bank transfer, and track orders live over WebSocket.
Let games and apps accept APAY with a lightweight SDK. Customers confirm in-app via biometrics or transaction password; merchants get instant settlement and a clean ledger.
Top up from fiat and cash out to INR through the maker network. Rate quotes, limits and response times are transparent before you commit to any trade.
L1 phone, L2 document (OCR) and L3 bank KYC tiers gate sensitive actions. AML thresholds, dispute arbitration and India data residency are part of the core design.
The same app, the same backend — with role-based access controlled by KYC level and permissions.
Cross-platform app, a modular Java/Spring Boot backend, and tamper-resistant smart contracts on a Polygon private chain.
A single Flutter codebase ships to iOS & Android with >90% reuse. Clean architecture, Riverpod state, secure storage and offline caching come standard.
A modular Spring Boot + MyBatis-Plus backend covers wallet, auth, C2C, payment, merchant, admin, notification and gateway — with an admin console and five-role permission model.
Custodial on-chain logic is expressed as auditable contracts: ApayToken (APAY), BurnVault, EscrowWallet and MultiSigWallet — escrow and multi-sig protect every transfer.
A Polygon private chain gives sub-3-second confirmation and predictable fees. Backend signs and broadcasts transactions; the app only calls APIs — private keys never touch the device.
User action via Flutter app
Auth, validate, rate-limit
HSM/KMS signs tx
<3s confirmation
WebSocket push to app
Custodial-by-design means keys live in hardened infrastructure, while the app focuses on safe, friendly interactions.
Private keys are generated and stored in hardware security modules — never on user devices.
Transfers and C2C releases use MultiSigWallet and EscrowWallet contracts for tamper-resistance.
Face ID / fingerprint and a separate 6-digit transaction password guard sensitive actions.
All API traffic uses HTTPS with certificate pinning to defeat man-in-the-middle attacks.
Compromised devices are blocked from sensitive operations.
Tiered KYC, AML thresholds on large transfers, and full security logging.
A phased rollout aligned to the product milestones.
Auth, KYC, wallet, transfers, C2C and merchant payment — core flows working end to end.
Functional, security and performance testing, plus penetration testing and load runs.
UAT, grey release and monitoring; App Store & Google Play rollout.
APAY is Apay's stablecoin, issued and settled on a Polygon private chain. It is the unit of value used across wallets, C2C trading and merchant payments.
Apay is custodial: the platform manages private keys in HSM/KMS-backed infrastructure. The app never stores keys, which keeps the experience simple and recoverable while keeping keys in hardened environments.
Through the C2C marketplace: choose a verified market maker, pay via UPI or bank transfer, and the maker releases APAY — or the reverse to cash out. Orders are tracked live and protected by escrow and dispute arbitration.
Apay is built for the Indian market, with INR pricing, UPI/bank payment rails, +91 phone onboarding, and KYC/AML aligned to India's data-protection framework (PDPB) and local data residency.
Integrate the Apay SDK (Universal Link / App Link) and use the merchant REST API with apiKey + MD5 signature auth. Customers confirm in-app; you receive instant settlement and webhook updates. See the Developers page.
Whether you're a user, a market maker, or a merchant — Apay gives you a fast, compliant way to move APAY.