Multi-Chain Infrastructure
Epay is built to operate as a chain-agnostic settlement network, ensuring flexibility, scalability, and user accessibility across different blockchain ecosystems. By supporting multiple blockchains at launch and maintaining a clear roadmap for expansion, Epay balances technical robustness with user simplicity.
Blockchains Supported at Launch
At launch, Epay will support a carefully selected set of blockchains that combine liquidity depth, low transaction costs, and global adoption:
Ethereum Layer 2s (Optimism, Arbitrum, Base, zkSync): Provide low-cost, high-throughput settlement while maintaining Ethereum-level security.
Solana: Offers high performance and ultra-low fees, making it ideal for consumer-scale remittances.
Stellar: Purpose-built for cross-border payments, Stellar enables direct integration with fiat anchors and is SEP-compliant (SEP-24, SEP-31).
Polygon PoS & zkEVM: Widely adopted in emerging markets, offering strong DeFi integrations and scalability.
This multi-chain support ensures Epay users always transact on the most efficient rail for their use case, without being locked into a single ecosystem.
Interoperability Approach
To ensure seamless operation across blockchains, Epay employs a hybrid interoperability strategy:
Bridges – Secure, audited bridging solutions connect stablecoin liquidity pools across chains (e.g., Wormhole, LayerZero, Circle’s CCTP for USDC).
Custodial Partners – In jurisdictions requiring centralized oversight, licensed custodians provide secure cross-chain transfers by managing multi-chain stablecoin reserves.
Native Issuance – For assets like USDC and PYUSD, Epay integrates directly with the issuer’s native deployment on supported blockchains, reducing counterparty risk.
This layered strategy ensures that liquidity is portable while maintaining regulatory-grade custody and risk controls.
Settlement Guarantees & Speed Comparison
Settlement performance varies across chains. Epay’s multi-chain routing engine dynamically selects the optimal network based on speed, cost, and liquidity availability.
Blockchain
Average Settlement Time
Transaction Cost
Security Model
Primary Use Case in Epay
Ethereum L2s
~1–2 seconds (finalized in <10s)
$0.05–$0.15
Ethereum rollup security
Enterprise-grade settlements, B2B payouts
Solana
<1 second
<$0.01
Proof-of-History + PoS
Retail remittances, microtransactions
Stellar
~3–5 seconds
<$0.01
Federated consensus
Fiat anchors, compliant remittances
Polygon PoS
~2 seconds (checkpoint ~30m)
<$0.01
PoS validators
Emerging market payments, DeFi integrations
By abstracting these variations, users and businesses experience consistent settlement guarantees, regardless of the underlying chain.
Chain Expansion Strategy
Epay follows a progressive expansion model to onboard new blockchains without overwhelming users:
Phase 1: Launch with Ethereum L2s, Solana, Stellar, Polygon.
Phase 2: Expand to Avalanche, Cosmos IBC, and other high-liquidity chains.
Phase 3: Integrate regional blockchains (e.g., Celo for Africa, Near for Asia).
Phase 4: Support CBDC networks and enterprise blockchains as regulatory clarity improves.
To preserve a frictionless user experience, Epay employs:
Unified Wallet Abstraction – users do not choose chains manually; Epay routes transactions under the hood.
Dynamic Fee Optimization – system auto-selects the lowest-cost settlement path.
Cross-Chain Liquidity Pools – ensure stablecoin balances are fungible across supported networks.
Last updated