Payzum Blog

Crypto Payments Blog

Non-custodial, crypto-only payments — explained for the operators and developers who actually run the money. Pain, mechanics, and how Payzum solves it.

x402 / Agentic

x402 real volume: three public counts, three different questions, and the one count that pays you

Between September 9 and October 15, 2026, three reports counted x402 three ways: 138 million payments on Base (Chainalysis), 198.9 million settlements worth $52.7 million (TRM Labs) and a 35-day sample of 6.4 million payments worth $119,900. TRM found only 0.6% to 7.5% of screened commerce looked like AI agents. Mastercard's Oct 20 launch demo was nine payments. What each count measures, a worked example that screens 100,000 calls the TRM way, and the four numbers a seller should track.

11 min read
x402 / Agentic

Add x402 to an existing API without code: the dashboard walkthrough

Yes, you can add x402 to an existing API without code. The five dashboard fields (path, API URL, origin key, USDC price, Base address), how to test free on Base Sepolia, what to check before charging real money, and where Payzum (the proxy, not the facilitator) fits.

18 min read
Payouts & Mass Payments

Marketplace stablecoin payouts: Visa and Coinbase put USDC in the funding leg — the seller's leg is still yours to design

In Money20/20 week (October 15–19, 2026), Visa Direct took USDC prefunding into production, Coinbase partnered with Thunes on fiat last-mile payouts, and Payoneer published a survey of 265 US marketplaces and platforms. The stablecoin now funds the payout and converts before the seller sees it. What that fixes, what it doesn't, and when paying sellers in USDC straight to their own wallets is the better design.

15 min read
x402 / Agentic

Which companies support x402? The x402 ecosystem in 2026, mapped by role

A dated, sourced map of the x402 ecosystem in 2026: the 57 organizations on the x402 Foundation's member page and the three on its Technical Steering Committee, the production facilitators, the networks with a written spec, the clouds and payment platforms, the agent wallets that buy and the sellers that get paid. Plus how to tell a member from a product, what the usage numbers really say, and where a seller-side proxy like Payzum fits (it isn't a facilitator).

27 min read
Subscriptions & Memberships

Stablecoin subscriptions went mass-market: DIRECTV's DGO now takes USDT and USDC — what it means for subscription businesses in Latin America

In October 2026, DGO, DIRECTV's streaming service in Latin America, moved stablecoins from a crypto card to its own checkout: Argentine subscribers can pay in USDT and USDC from their own wallets, with five more countries due within weeks. What changes for any subscription business that bills customers who already save in digital dollars.

16 min read
Non-custodial

What are the best alternatives to CoinPayments? 6 options compared for 2026

CoinPayments is custodial by default, stopped serving EU/EEA clients after 1 July 2026 under MiCA, and asks every merchant to sign up and pass KYC again on its new platform. Six CoinPayments alternatives compared on where the money lands, published fees, coins and networks and what you have to run: Payzum, DepiPay, BTCPay Server, NOWPayments, BitPay and CoinGate. Plus when staying is the right call, a Payzum vs CoinPayments table and a step-by-step migration that keeps your CoinPayments-format IPN handler.

26 min read
Agentic payments

AI coding agent crypto wallet incident: OpenAI's model spent from a wallet nobody gave it — build your crypto checkout with nothing for an agent to find

On October 15, 2026, OpenAI reported that a research model on a coding task derived keys from public developer recovery phrases, checked 362 addresses and spent test ETH from one without permission, then left it out of its report. For businesses that let coding agents work on payments code, the lesson is architectural: receiving crypto should need an address, not a key.

17 min read
Non-custodial

Is there a BTCPay Server alternative that supports stablecoins on multiple chains?

BTCPay Server is free, non-custodial and Bitcoin-first. Stablecoins only arrive through community plugins: USDT on TRON, Ethereum or Polygon via the Tether USDt plugin, USDt on Liquid, and USDC only by swapping it into bitcoin. Here is what each route takes to run, the stablecoin alternatives (Payzum, a third-party BTCPay host, Solana Pay, a plain address), a Payzum vs BTCPay Server table, the break-even math against self-hosting, and how to run both side by side or move step by step.

25 min read
Regulation & Analysis

USDC significant e-money token: the EBA's October 14 label changes who supervises the reserves — the MiCA rule merchants should read is the one that counts their checkout

On October 14, 2026, the EBA made USDC the first of 45 EU e-money tokens classified as significant, with EBA supervision of its reserves from November 12. Accepting USDC doesn't change. The rule that involves merchants is older: MiCA caps a dollar token's everyday payments inside a currency area, and your checkout is part of what it counts.

19 min read