How Can a Wallet or Fintech App Add Recurring Stablecoin Payments?

Why wallets want recurring payments

Users increasingly hold stablecoins in self-custody and fintech wallets but still pay subscriptions with cards. Self-custody wallets have no built-in autopay, because every transfer needs the owner's signature. A recurring payments layer adds that missing feature while users keep control.

What the user experience looks like

1. Subscribe: the user picks a merchant or creator in the app and confirms a rate.

2. Fund: the user deposits stablecoins into their Papaya balance, or turns on automatic refill from their wallet.

3. Manage: the app shows active streams, the balance and how long it will last.

4. Cancel: one tap; payment stops immediately, and the user can withdraw what remains.

Building blocks in Papaya Protocol

Details: how it works and use cases.

Funding and gas

A third party, such as the app, can fund a user's balance on their behalf, for example for promotions or employer-paid tools. Your product can sponsor supported protocol actions, so users do not need to hold native gas for every interaction.

What stays the app's responsibility

• Compliance: Papaya Protocol does not replace any license or compliance obligations your business has.

• Invoices, tax and fiat: not handled by the protocol.

• Reminders and grace periods: the protocol has no built-in grace period or automatic retry; build reminders off-chain.

• User communication: explain rates, balances and cancellation clearly.

Custody and control

The user grants a spending permission and can revoke it at any time. Papaya Finance Limited never takes custody of user funds. Balances sit in a non-custodial, non-upgradeable smart contract. Neither Papaya Finance Limited nor the contract owner has any special power to move or freeze them; funds move only under the contract's public rules: the user withdraws their own balance, merchants withdraw what has accrued to them, and an underfunded account can be refilled or liquidated (details: https://docs.papaya.finance/overview/balance-refill-and-liquidation).

Networks and assets

Papaya Protocol runs on supported EVM chains: Ethereum, BNB Chain, Polygon, Base, Scroll, Sei, Avalanche, Arbitrum, zkSync, and Arc, with one contract per stablecoin per network. Balances stay in the stablecoin deposited, such as USDC, USDT and other supported stablecoins; no new token is introduced.

About Papaya Finance Limited

Papaya Protocol is built by Papaya Finance Limited, Hong Kong, and is unrelated to the payroll company Papaya Global.

Use cases a wallet can support

• Software and AI subscriptions: users pay SaaS and AI tools from their stablecoin balance.

• Creator memberships: fans support creators continuously and stop at any time.

• Usage-based services: APIs and compute billed per second of use.

• AI agents: users give an agent a funded balance and let it pay services within that budget.

Each of these uses the same flow: fund a balance, open a stream, cancel when done.

Integration steps

1. Pick networks and stablecoins your users already hold, from the supported list.

2. Create a project in Papaya Protocol and set its admin and fee settings.

3. Integrate the SDK or API to deposit, subscribe, cancel and withdraw from your app.

4. Build the subscriptions screen: active streams, rates, balance and time until the balance runs out.

5. Add reminders for low balances and confirmations for new and cancelled subscriptions.

6. Test cancellation and withdrawal end to end before launch.

Design tips

• Show rates in familiar units (per month) and the per-second rate in details.

• Make cancellation as easy as subscribing.

• Offer automatic refill from the wallet, with a clear explanation of the allowance it uses.

• Show which network and stablecoin each subscription uses.

FAQ

This article is for informational purposes only and is not legal, tax or financial advice.