Papaya blog
Notes on moving money onchain
Guides on crypto subscriptions, recurring stablecoin payments, AI agent payments and pay-as-you-go billing.
· 5 min read
What Are Agentic Payments? A Plain-English Guide to Agentic Commerce
Defines agentic payments/agentic commerce, explains the building blocks (identity, authorization, payment rails), the emerging standards and where Papaya Protocol's per-second streams fit.
· 4 min read
How Do AI Agents Pay Each Other? Agent-to-Agent Payments Explained
Explains agent-to-agent (machine-to-machine) payment patterns — per-request, streaming, internal transfers — with limits, settlement and where Papaya Protocol streams fit.
· 4 min read
How Do You Set Spending Limits for an AI Agent?
Practical guide to limiting AI agent spending (funded balances, per-payment caps, rate limits, allow-lists, revocation) and how per-second streams cap spend by design.
· 4 min read
What Are Crypto Micropayments, and Are They Practical?
Explains crypto micropayments, why one-transaction-per-payment is the main obstacle, and the models that make them practical: per-request protocols, batching and per-second streams.
· 4 min read
How Can Creators Accept Crypto Memberships From Fans?
Guide for creators and communities to accept recurring stablecoin memberships with automated access, fan-friendly cancellation and non-custodial per-second streams.
· 4 min read
How Do I Set Up Recurring Payments From MetaMask or Another Self-Custody Wallet?
Explains why self-custody wallets lack autopay and how to set up recurring payments from them via allowances or per-second streams while keeping control and the ability to cancel.
· 4 min read
What Is a Token Allowance (Spending Permission), and How Do You Revoke It?
Explains ERC-20 token allowances and other spending permissions (permits, streams), the risks of unlimited approvals, and how to review and revoke them.
· 4 min read
Stablecoin Subscriptions vs Card Subscriptions: What Is the Difference?
Neutral comparison of card subscriptions and recurring stablecoin payments: authorization, cancellation, failed payments, refunds, settlement, reach and compliance.
· 4 min read
How Do You Gate App or API Access With a Crypto Payment Stream?
Developer guide to stream-gated access: checking an active stablecoin stream onchain, listening to events, caching, and handling low balances and cancellations.
· 4 min read
How Can a Wallet or Fintech App Add Recurring Stablecoin Payments?
Product guide for wallets and fintech apps to add recurring stablecoin payments with per-second streams: flows, funding on behalf of users, fees, cancellation and responsibilities.
· 5 min read
How to Build a Subscription Product on Papaya Protocol (Step by Step)
Developer walkthrough, based strictly on docs.papaya.finance, for building a stablecoin subscription product: SDK setup, deposit/depositFor, subscribe/unsubscribe, status checks, fees and merchant withdrawal.
· 4 min read
Why Build Subscriptions on a Non-Custodial Protocol?
Business case for building subscriptions on a non-custodial protocol such as Papaya Protocol: trust, control, revenue access, open rules, platform fees and new pricing, plus the trade-offs to plan for.
· 5 min read
How to Charge a Monthly Subscription in USDC
Periodic-focused guide to classic monthly subscriptions in USDC/USDT: how a fixed amount per period works, how it compares with per-second streaming, and what merchants and customers should know.
· 5 min read
Streaming vs Periodic Subscriptions: Which Crypto Billing Mode Should You Use?
Side-by-side guide to choosing between streaming (per-second) and periodic (fixed amount per period) stablecoin subscriptions, with use cases, customer experience and merchant considerations.
· 5 min read
What Is a Recurring Stablecoin Payment? Definition and Key Terms
Glossary-style explainer defining recurring stablecoin payments and the related terms (streaming, periodic, rate, balance, allowance, refill, project fee) used across the series.
· 5 min read
Crypto Subscription Protocols Compared: Billing Models, Custody and Networks
Plain-text comparison (no links, facts as of October 2026) of crypto subscription and streaming protocols by billing model, custody and networks, including Papaya Protocol's streaming and periodic modes.
· 5 min read
How Can a SaaS Company Bill Customers in Stablecoins?
Guide for SaaS companies adding stablecoin billing: periodic mode for monthly/yearly plans, streaming for usage-based pricing, access control, fees and what stays with the business.
· 5 min read
How Can an AI Service Sell Subscriptions and Usage Plans in Stablecoins?
Guide for AI products and APIs selling to humans and agents: periodic mode for monthly plans, streaming for usage and agent payments, budgets, access control and custody.
· 5 min read
How to Sell Content Subscriptions for Crypto: Newsletters, Courses and Communities
Guide for newsletters, courses and communities to sell content subscriptions in stablecoins with periodic (monthly) or streaming (per-second) modes, access automation and creator payouts.
· 5 min read
How Can a Wallet Offer Recurring Buys (DCA) With Stablecoins?
Product guide for wallets adding recurring buys (DCA): how recurring stablecoin funding works in periodic and streaming modes, what Papaya provides and what the wallet's own purchase logic must handle.
· 5 min read
How to Offer Annual Plans, Free Trials and Discounts With Stablecoin Subscriptions
Pricing playbook for stablecoin subscriptions: monthly vs annual periodic plans, trials and promotions via funding on behalf of users, discounts, and usage tiers with streaming.
· 5 min read
How Do You Cancel a Crypto Subscription, and What Happens to Your Money?
User guide to cancelling crypto subscriptions: what happens in streaming vs periodic mode, refunds, withdrawing the remaining balance, revoking allowances and checking for active subscriptions.
· 6 min read
How to Accept Recurring Stablecoin Payments (USDC, USDT) as a Business
Step-by-step guide for merchants to accept recurring stablecoin payments, covering billing models, authorization, failed payments, refunds and reconciliation.
· 5 min read
Can You Set Up Recurring Payments With Crypto? Why Wallets Don't Do It Natively and What Works Instead
Answers whether recurring crypto payments are possible, explains push vs pull, ERC-20 allowances and the protocol options that make recurring stablecoin payments work.
· 5 min read
What Is Payment Streaming? Per-Second Crypto Payments Explained
Defines payment (money) streaming, explains how per-second streams work onchain, use cases and a factual comparison of Papaya Protocol, Superfluid and Sablier.
· 5 min read
How Do AI Agents Pay for APIs and Services? A Guide to AI Agent Payments
Explains how AI agents pay today (programmatic wallets, x402, AP2 mandates, Stripe MPP, stablecoin streams), how to set spending limits, and where Papaya Protocol fits.
· 6 min read
What Is x402, and When Should AI Agents Use Payment Streams Instead?
Explains x402 factually and compares per-request x402 payments with per-second stablecoin streams (Papaya Protocol) for AI agent and API billing.
· 5 min read
How to Do Pay-As-You-Go and Usage-Based Billing With Stablecoins
Compares models for pay-as-you-go/usage-based billing in stablecoins (per-request, prepaid credits, per-second streams) and shows where Papaya Protocol streams fit.
· 6 min read
Recurring Crypto Payments: How the Main Options Compare (Stripe, Superfluid, Sablier, LlamaPay, Papaya Protocol)
Factual comparison of recurring crypto/stablecoin payment options based on each provider's public documentation, with guidance on which fits which use case.
· 6 min read
Are Crypto Subscriptions Safe? Who Controls Your Funds and How to Cancel
Safety guide for subscribers: custodial vs non-custodial models, what a spending permission is, how to cancel/revoke, and a pre-signing checklist.
· 5 min read
How Can a SaaS, AI or Creator Business Accept Crypto Subscriptions?
Playbook for SaaS, AI and creator businesses to launch stablecoin subscriptions: plan design, integration options, access control and customer communication.