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

Machine-to-machine payments have a price floor: Coinbase Institute's October 7 paper puts the card's at $1.19, and every API seller should know their own

On October 7, 2026 the Coinbase Institute published 'Machine-to-machine payments in the AiFi era', with a table of the smallest payment each rail can carry while keeping fees at or below 5%: about $1.19 on the cheapest card pricing, $0.90 on FedNow, $0.002–$0.02 for stablecoins on a low-cost network. The analysis: read it as a price floor, not a fee comparison. Your floor is the rail plus your processor, disputes and underwriting add two more, and the billing unit you sell to agents has to clear all of them.

16 min read
Stablecoins

Auto-convert crypto payments to USDC: is there a gateway that does it for you?

Yes, a crypto payment gateway can convert payments to USDC automatically. How Payzum's optional, on-chain auto-convert works, when to turn it on or leave it off, USDC vs USDT as the target, a step-by-step setup and five use cases, with Chainalysis, IRS and Circle facts checked on 11 October 2026.

17 min read
Stablecoins

SAP stablecoin payments are live: your customer's ERP can now pay invoices in USDC — and only the buyer's side reconciles itself

On October 6, 2026, SAP launched SAP Pay, powered by Tereina, inside SAP Cloud ERP; on October 7, Circle made USDC the preferred stablecoin for eligible dollar workflows, with EURC for euros and a Circle Mint account required. The analysis: reconciliation follows whoever starts the payment. A plain USDC transfer carries no invoice number, so suppliers being paid need one payment request per invoice, an expiry and a signed paid event in their own ledger.

14 min read
Small business

What is the best stablecoin payment processor for small businesses?

A buyer's checklist for small businesses choosing a stablecoin payment processor: where the money lands, how fast it's final, what a sale really costs at your average ticket, the coins and networks your customers hold, one account for the counter and the website, plugins, refunds and exit risk, and who answers when something breaks. With card-fee math checked on 10 October 2026, use cases and a side-by-side table.

20 min read
Company & investors

Invest in Payzum: funding status, business model and our 2026 thesis

Payzum has not opened a funding round yet. A raise is planned, and investors can join the waiting list at [email protected]. This post sets out where the company stands, how it makes money, the four parts of the investment thesis (a live product, accounting, a non-custodial model and payments for AI agents) and the risks an investor should weigh.

16 min read
Stablecoins

USDT frozen wallet: Conduit's lawsuit says Tether locked $2.76 million in a wallet the police never flagged — what it means for merchants who hold stablecoins

On October 5, 2026, cross-border payments company Conduit sued Tether in New York, alleging it has kept $2.76 million of USDT working capital frozen since September 24, 2025 in a self-custodied Fireblocks wallet that Brazil's Federal Police never flagged. The case shows self-custody and wallet separation don't stop an issuer freeze. What merchants should change: hold less per issuer, for less time, and keep records ready.

17 min read
E-commerce

What are the best crypto payment processors for online businesses in 2026?

Eight crypto payment processors compared on neutral criteria: Payzum, Stripe's stablecoin payments, Coinbase Business, BitPay, CoinGate, NOWPayments, CoinPayments and BTCPay Server. What changed in 2026 (Coinbase Commerce closed, MiCA's grace period ended, Stripe settles stablecoins in dollars), the three custody models behind 'we accept crypto', a side-by-side table checked against each provider's public docs, and which type fits which online business.

20 min read
Stablecoins & markets

Stablecoin payment statistics 2026: businesses already receive most of the money, just not at the checkout

On October 1, 2026, Visa cited Allium's State of Stablecoins and Payments report: $401–527 billion in identified stablecoin payments from January to August 2026, up 42–63%, with 58–64% received by businesses. B2B settlement ($137–153B), service fees ($56B), payroll ($43B) and supplier payments ($28B) each outpace retail purchases ($19B). This analysis lays out the full dataset, the caveats behind it, why stablecoin business payments look like invoices rather than shopping carts, and how a business can set up non-custodial stablecoin receivables, payouts and checkout flow by flow.

14 min read