Anyone Pay solves critical problems in digital payments by combining AI-powered intent recognition, privacy-preserving technologies, cross-chain interoperability, and a universal payment standard.

1. AI-Powered, Private Intent Recognition

Problem: Users suffer fund loss from typos or must manually handle complex crypto addresses. Additionally, the AI used for intent recognition often runs on traditional servers, compromising the user's payment intent and sensitive transaction data.

Solution: The system uses AI to analyze natural language queries (e.g., "Pay onlyfan" -> OnlyFans) and performs semantic matching, filling in missing details automatically. Crucially, this AI intent engine and associated private computation run inside a NEAR AI Trusted Execution Environment (TEE). This hardware-secured enclave protects the user's payment intent, ensuring the AI cannot be compromised or monitored by the server operator.

2. Privacy in Digital Payments & Usability

Problem: Traditional payments expose transaction details, require KYC, and enable surveillance, limiting financial freedom.On-chain transactions are constantly monitored for behavior and often require KYC (Know Your Customer), which compromises security/safety.

Solution: "Anyone Pay" utilizes "near intent" to automatically create Zcash addresses, ensuring all transaction details are hidden. Furthermore, it uses "Chain Sign" to enable a Near Account to generate derived addresses others c from receiving chains and initiate transactions. This combined process results in transactions that are completely anonymous and leave no traceable footprint on the internet.

3. Cross-Chain Payment Complexity

Problem: Users must manage multiple chains, manually bridge assets, and struggle with different gas fees to transact across the decentralized ecosystem.

Solution: A unified interface automatically manages the complexity. It uses NEAR Chain Signatures to perform cross-chain transactions; the asset bridging is driven by the target chain specified (Base, Solana, etc.). The core is an Intent-based architecture where users express the goal, and the system handles the multi-step execution.
Example Intent: Pay $0.20 USDC to a merchant on Base by using the user's existing funds on Base. The user simply says: "pay 0.2 usdc to 0x... Base"

4. Merchant Payment Friction

Problem: Merchants face complex technical setup, require multiple integrations, must manually verify payments, and provide a poor customer experience.

Solution: Merchants benefit from one-click service creation. Service discovery is simplified via the AI's natural language search. Payments are automatically verified using the x402 payment protocol. Customers simply scan a QR code to pay.

5. Multichain Pay-to-API Standardization (x402) & Developer Tools

Problem: Payment APIs are fragmented. There is no universal, easy standard for monetizing digital content or machine-to-machine (M2M) API access across major blockchains (EVM, Base, Solana). Furthermore, developers lack a comprehensive environment to build and test these autonomous AI payment systems.

Solution: Adoption of the HTTP 402 "Payment Required" standard via the x402 protocol combined with Anyone Pay's cross-chain routing. This creates a universal, multichain standard that allows developers to easily implement a simple, granular pay-per-access model for any API or web application.

To support this, the AI-Native Playground provides developers with a complete environment for rapid prototyping, testing, and deploying their verifiable AI agents and applications.

This ensures:

• Easy Multichain Payment: The client can pay using tokens on their preferred chain (Base, Solana, EVM chains), and the system handles the cross-chain settlement automatically.
• Universal API Flow: Consistent, native HTTP payment flow across all services.
• Rapid Deployment: Developers can quickly build and launch agents that interact with the payment standard.

6. Key Management Complexity

Problem: Users must secure and manage seed phrases, private keys, and multi-chain wallets, leading to high risk of loss and high user friction.

Solution: NEAR Chain Signatures (MPC) handle keys automatically and securely on the backend. No seed phrases needed. This key abstraction, combined with QR code scanning, replaces traditional wallet complexity.

Real-World Use Cases

• Content Creators: Create service, share link, get paid automatically and privately.
• SaaS Providers: Instant, granular payments for premium features or metered API usage.
• Digital Goods: Automatic, instant payment verification before unlocking content.
• Cross-Border: Fast, low-cost private payments across different blockchain networks.
• Privacy Users: Private Zcash deposits with shielded transactions for all payments.