Digital commerce is fragmenting into billions of low-value interactions—buying a $3 coffee, tipping a streamer $0.50, or settling a $0.01 API call between two machines. Existing payment rails were never designed for this scale or speed: card networks impose floor fees and multi-second authorizations; bank transfers batch overnight; and first-generation blockchains trade finality for cost. PayFlux introduces a purpose-built micropayment protocol that combines a DAG-based Flash Consensus Layer with an adaptive, near-zero-fee model to make sub-dollar transactions as effortless as sending a text.
These structural constraints leave a widening "micropayment gap": a zone where millions of potential transactions are either abandoned or forcibly upsized because no rail can move value quickly, cheaply, and sustainably. PayFlux closes that gap with sub-cent fees, ~1-second finality, and energy-efficient consensus—unlocking a new class of everyday, borderless payments for humans and machines alike.
Everyday commerce is splintering into micro-events measured in cents, not dollars, and the volumes are already enormous:
Despite the clear demand, mainstream rails impose floor fees, seconds-long authorisations, or multi-day clearing. As a result, cafés refuse card payments under $1, streamers lose tips, global families forfeit 6 ¢ on every hard-earned dollar, and IoT service providers are forced to bundle usage into coarse monthly bills. The latent "micro-economy" is estimated to be worth hundreds of billions of dollars—value that simply never moves because moving it is too slow or too expensive.
PayFlux was conceived to erase those frictions. Our goal is to make value move with the same speed, reach, and granularity as information by delivering:
By closing the micropayment gap, PayFlux aims to unlock a new layer of economic activity—millions of transactions that were impossible yesterday, but effortless tomorrow.
PayFlux is built around three logical layers:
Transactions flow from the Edge Layer to a validator's mempool, achieve <1 s finality via Flash Consensus, and—when necessary—are batched or bridged outward. The design purposefully decouples real-time retail throughput from heavier bridge and governance logic so that end-user latency never exceeds a single RTT on standard mobile networks.
Most blockchains serialize blocks; PayFlux instead writes them into a directed-acyclic-graph (DAG), allowing many blocks to be appended in parallel without contention. DAG protocols such as Kaspa and DAG Knight demonstrate orders-of-magnitude higher throughput and faster confirmation than linear chains Atomic Wallet Cryptography Electronic Print Archive . PayFlux extends the model with:
The outcome is point-of-sale latency comparable to contactless cards but with cryptographic finality.
For ultra-high-frequency flows—think in-game coin taps or machine-to-machine API calls—PayFlux opens bidirectional payment channels between parties. Transactions accumulate in a Merkle buffer off-chain and are settled on-chain only when a value or time threshold is reached, a technique proven in Bitcoin‐compatible channel libraries bitcoinj.org Stelios Gerogiannakis . Batched settlement raises effective throughput to 50 k+ TPS while diluting on-chain fees to ten-thousandths of a cent.
Validator nodes sample mempool depth, recent throughput, and token-price volatility, then feed an ML forecaster similar to the fee-prediction models studied in recent research arXiv Metana . Fees are nudged every block so that:
PayFlux's validators secure the network by staking PayFlux instead of burning electricity. Modern PoS chains show energy savings of 99.9 % or more versus proof-of-work systems bitwave.io Financial Business News . PayFlux goes further: validators must upload renewable-energy proofs or carbon-offset receipts; non-compliance erodes their staking rewards automatically. A public dashboard displays energy per transaction, providing auditable ESG data.
Value should cross networks as quickly as it crosses a countertop. PayFlux implements scriptless atomic swaps that combine HTLC lock-times with Schnorr adaptor signatures, eliminating heavyweight on-chain scripts and slashing swap latency to ~3 s Bitlayer Blog arXiv . Bridge relayers verify counterpart blocks via SPV proofs; multi-party threshold signatures unlock both sides simultaneously. Batched routers aggregate sub-$1 requests, keeping bridge fees near 0.05 %—cheap enough to "buy coffee cross-chain."
Together, these components create a payments substrate where one-cent transactions clear in a heartbeat, consume a sip of energy, and glide between chains as easily as across a café counter.
| Allocation Category | Amount of Tokens | % of Total Supply | Unlock % @ TGE | Cliff Period (months) | Vesting Period (months) | TGE % of Total Supply |
|---|---|---|---|---|---|---|
| Total | 100,000,000,000 | 100% | — | — | — | — |
| Community & Ecosystem Incentives | 45,000,000,000 | 45% | 35% | 0 | 24 | 15.75% |
| Liquidity & Marketing | 20,000,000,000 | 20% | 20% | 0 | 12 | 4.00% |
| Team & Core Development | 10,000,000,000 | 10% | 10% | 12 | 36 | 1.00% |
| Foundation Reserve | 10,000,000,000 | 10% | 0% | 12 | 48 | 0.00% |
| Strategic Partners | 10,000,000,000 | 10% | 15% | 6 | 24 | 1.50% |
| Legal & Compliance | 5,000,000,000 | 5% | 20% | 0 | 12 | 1.00% |
From cents-level retail to machine-to-machine data buys, PayFlux unlocks economic activity that legacy rails either over-price or simply block.
Card networks still charge flat fees that make a $2 latte uneconomical; many cafés therefore impose "minimum-spend" rules. Yet consumer appetite for quick, touch-free payment is huge: 63 % of Americans had used contactless by 2023 and 44 % used it regularly, while 85 % of merchants already accept it clearlypayments.com . PayFlux lets a barista accept $1.80 without floor fees or settlement delays—the tap feels identical to a NFC card swipe, but finality lands in ~1 s straight to the shop's wallet.
Ride-hailing and scooter rentals require sub-second confirmation so vehicles can lock or unlock in real time. With PayFlux, drivers (or IoT docking stations) receive funds instantly; refunds for cancelled trips happen just as fast, without the multi-day reversals common on card rails.
Micro-purchases drive the games business: 58 % of all 2024 PC-game revenue—$24.4 billion—came from in-game transactions CNET . Traditional gateways add up to 30 % commission and seconds of loading screens. PayFlux's Unity/Unreal SDK settles coin packs or cosmetic skins in one round-trip, with fees measured in ten-thousandths of a cent—small enough not to distort virtual-item pricing.
The creator economy is exploding, and US social-media tipping alone will reach $160 million in 2024, triple its 2021 size EMARKETER . PayFlux enables frictionless $0.25 cheers or $1 fan tokens that hit a streamer's wallet before the applause ends.
Roughly 18.8 billion IoT devices will be online by the end of 2024 IoT Analytics , many needing to pay—or be paid—for micro-services such as kilobytes of sensor data or kilowatt-hours of charge. PayFlux's payment-channel API lets devices clear 10,000 sub-cent transfers per minute and settle to chain only when batch thresholds are met.
Workers sending <$50 home still sacrifice 6.62 % in fees on average remittanceprices.worldbank.org . PayFlux's atomic-swap bridge moves the same value for ≈0.05 % in ~3 s, making daily $5 remittances economically viable and erasing the latency that strands families between pay cycles.
In short, PayFlux isn't just faster money—it's the connective tissue of a borderless micro-economy spanning baristas, bikeshare docks, streamers, gamers, and billions of autonomous devices.