The price is locked before they pay
Providers quote first, the cheapest wins, and that's the number on the checkout. It holds for 10 minutes.
Live on NEAR testnet
Receiving payment should be easy.
Request payment in your own money. Customers pay with the crypto they already have, and cash lands in your bank.
Price it in₹ INR€ EURKSh KESyour local currency
☕Bengaluru CafeMasala dosa, filter coffee x2
₹420.00
Pick how you want to pay
NNEARincl. 0.8% fee1.2486
EETHincl. 1.5% fee0.00216
UUSDCincl. 0.8% fee4.5089
Pay 1.2486 NEAR✓ Paid
Held in escrowon NEAR, until the bank says yes
Cafe's bank accountjust now
+₹420.00
from swiftcash · full price, no crypto
Balance₹1,676.64
you never hold
the coin
the coin
Your customer pays with what's already in their wallet.
Not just stablecoins. NEAR, ETH or USDC all work, and each one shows the exact amount before anyone taps Pay. No guessing, no "send roughly this much".
The price is locked for 10 minutes. Send too much and the extra goes straight back. Send too little and they're told exactly what's missing.
Nvia swiftcash
NEAR
1.248618
incl. 0.8% conversion fee
Evia payrail
ETH
0.002161
incl. 1.5% conversion fee
Uvia swiftcash
USDC
4.508932
incl. 0.8% conversion fee
Everything the merchant needs, on one screen
Who paid, in what coin, which payout provider gave the best deal, and when the money hit the bank. The agent does the chasing; you just watch the balance go up.
N₹420.00 · 1.2486 NEARIn your bankswiftcash · 10:42
N₹420.00 · 2.0161 NEARPaying outswiftcash · 10:32
U₹330.00 · 3.5401 USDCPaidpicking a provider
E₹650.00 · 0.0033 ETHIn your bankpayrail · yesterday
N₹420.00 · 1.2337 NEARIn your bankswiftcash · Mon
U₹160.00 · 0.5 USDCRefundednot enough sent in time
Cafe's bank balance
₹1,676.64
Who could pay out ₹420.00, and how much NEAR they needed
bestswiftcash1.2486180.8% · ready in 5 s
payrail1.2574921.5% · ready in 3 s
quickfx1.2703892.5% · ready in 2 s
Quote lockedswiftcash, before the customer paid. They saved 1.7% versus the worst offer.
Paid1.248618 NEAR arrived in escrow ↗
Bank credit₹420.00 from swiftcash. Matches the quote.
ReleasedEscrow paid swiftcash. Done ↗
How the money moves through escrow
The coin waits in a contract on NEAR. A payout provider only gets it after your bank confirms the cash arrived. If a provider goes quiet, the agent hands the job to the next one.
Customerpays 1.248618 NEAR
INPay escrowa contract on NEAR holds the coin
swiftcash ✓pays ₹420.00 first
payrailstanding by
quickfxstanding by
Bank₹420.00
cash first, crypto second. Always.
They pay in crypto. You get paid in cash.
Rupees, euros, shillings, whatever your bank speaks. INPay turns the coin into it before it reaches you.
no crypto on your books ✓The boring parts, handled for you
Cash first, crypto second
The provider pays your bank before it gets the coin. The escrow won't let it go any other way.
Bank credit+₹420.00
Then: escrow released1.2486 NEAR
Sent too little? They'll know exactly how much
"You're 1.0158 USDC short." Top up within the 10 minutes, or it all comes back automatically.
A provider stalls? Someone else pays
No bank credit in 60 seconds and the agent moves the job on-chain to the next best provider.
payrailno payout in 15 s
quickfxreassigned on-chain
€4.45in Berlin Bikes' bank
Real transactions, on NEAR testnet
Every escrow payment, payout and refund here is a real transaction you can open in the explorer. The payout providers and the banks are pretend, for now.
Escrow contract: realLive prices: realwETH, USDC: testnet stand-insProviders and banks: simulated
Bengaluru Cafe · invoice #13 · 10 Nov 2026
pay_near · 1.248618 NEARE9bSHqrP… ↗
assign_provider · swiftcash9C7u3vLs… ↗
bank credit · ₹420.00BNK-7F3A9C21
confirm_payout · releasedA5e9CNeA… ↗
reassign_provider · quickfx9gYv9b8J… ↗
refund · 0.5 USDC3ud7LgGK… ↗
Merchant received₹420.00 in full
Questions merchants ask us
short answers, promiseDo I ever hold crypto?
No. The coin sits in the escrow contract and goes to the payout provider. You only ever see money in your own currency.
What does it cost my customer?
The provider's conversion fee, between 0.8% and 2.5%, shown on the checkout before they pay.
What if they send the wrong amount?
Extra comes straight back. Too little, and they see exactly what's missing; if they don't top up in 10 minutes, everything is refunded.
Can I use it with real money today?
Not yet. It runs on NEAR testnet, with simulated payout providers and banks.