
Cray
Cray enables businesses to accept USDT and USDC stablecoin payments from customers worldwide, both in-store and online. Merchants can accept payments through QR codes, payment links, hosted checkout, Shopify, or API integration, without requiring additional hardware. Customers can pay directly from their existing compatible wallets without needing to download a new wallet or application. Stablecoin payments settle instantly on-chain directly to the merchant, while Cray's wallet and transaction screening supports compliance requirements. The solution is non-custodial, allowing businesses to maintain control of their funds, and can operate alongside a merchant's existing payment setup.
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Crypto cross-border payments
USDT on-ramp and off-ramp

Payment Links
Send payment links to customers via social media, email, SMS, or WhatsApp to facilitate online payments.

Crypto in-store payments
Accept any crypto wallet payments directly in store via Cray App
Average Onboarding Time
5
in days
Average Settlement Time
1
in days
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Perfect fit for
- 01 Hospitality & Travel Businesses Restaurants, cafés, hotels, travel and tourism businesses serving international or crypto-friendly customers who want to pay with stablecoins.
- 02 Retail & E-commerce Businesses Physical and online retailers looking to accept USDT and USDC alongside their existing payment methods without additional payment hardware.
- 03 Events & Experiences Events, pop-ups and high-footfall experiences looking to offer convenient stablecoin payments to crypto audiences.
- 04 Professional & International Services Businesses receiving payments from international clients who already hold stablecoins and prefer to pay using USDT or USDC.
Integration options
Cray offers flexible integration options for both in-store and online payments, including QR code payments, payment links, hosted checkout, Shopify integration, and API integration. The platform supports stablecoin payments in USDT and USDC, with customers able to pay directly from more than 540 WalletConnect-compatible wallets, including MetaMask, Binance, Trust Wallet, and Ready. This allows businesses to add stablecoin acceptance alongside their existing payment setup while giving customers the flexibility to pay from wallets they already use.
Hosted checkout pages
Shopify
Direct API
Payment Link API

Pricing & settlement
Exact pricing depends on use case and volumes. Take the Test to get matched and introduced directly.

Compliance & licenses
Cray is a non-custodial payment technology provider. Businesses maintain control of their funds and private keys, while Cray provides wallet screening and transaction monitoring to help identify and prevent exposure to sanctioned or prohibited activity. Business onboarding is subject to Cray’s compliance requirements, and prohibited businesses, sanctioned parties and sanctioned jurisdictions are not supported.
- Wallet & Transaction Screening – Cray screens wallets and transactions to support merchant compliance requirements and help identify potential risks.
- Non-Custodial Infrastructure – Cray does not take custody of merchant funds, allowing businesses to maintain control of their stablecoin payments.
- On-Chain Settlement – USDT and USDC payments settle directly on-chain to the merchant, providing a transparent transaction record.
- Compliance-Focused Payment Flow – Cray combines transaction and wallet screening with direct wallet-to-merchant settlement to support businesses accepting stablecoin payments.
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