Social Wallet Infrastructure
TheWorld'sFirstTrulyProgrammableSocialWallet.
100% Utility.
Zero Merchant Friction.
Unbundle your growth from merchant checkout placement. AyrisPay transforms the wallet into a Consumer-Issuer, allowing stored value to behave like a standard issued instrument.
100% Day-One Utility
Works at any NFC/EMV terminal globally without requiring merchant-side integration.
Consumer-Driven Growth
Shift the constraint from merchant adoption to consumer intent. Stop waiting for "The Button."
Retail Ubiquity
Reach parity with OS-level wallets by driving acceptance through the user’s own device.
Patent-Pending
The “Double-Gate” Logic Engine.
Fund only when logic returns TRUE. Our engine governs spending both before and during checkout — the essential safety rails for AI-Agentic Commerce.
Before the "Pay" button is even enabled, AyrisPay pre-screens the intent and context.
At the millisecond of the transaction, the final policy is evaluated.
“The essential safety rails for future AI-Agentic Commerce.”
As autonomous agents begin transacting on behalf of users, Double-Gate ensures every AI-initiated payment is bounded by human-defined policy.
Bridge Digital & Physical
Smart Plastic for the Physical World.
Physical card convenience with app-governed security. NFC-programmable “Smart Plastic” bridges the gap between digital logic and physical retail.
$10 max · 2 uses · grocery onlyNFC-Writable "Sync" Protocol
Use the AyrisPay app to "flash" temporary rules directly to a physical card. Set $10 max, 2 uses, grocery-only — the card enforces it at the terminal.
Mathematical Security
Fraud exposure is bounded to the user’s last programmed "sync". If the card is lost, only the last-synced rules and limits apply — mathematically capped liability.
Proven Pedigree
Architecture informed by successful large-scale deployments of cloud test cards and dynamic licensing.
For Investors & Partners
Strategic ROI & Data Wealth.
Estimated 70%+ reduction in "Friendly Fraud" and lost-card losses via geofenced tokenization. The Double-Gate protocol eliminates fraud vectors at the source.
Move from seeing "What" was spent to seeing "Why." Capture the policies users set to gain deep predictive consumer insights that no other wallet can provide.
Governance makes AyrisPay the preferred wallet for all shared or high-risk spending. Once users set rules, switching costs become insurmountable.
Ready to govern every transaction?
Talk to our team about how AyrisPay fits into your card program or issuance infrastructure.
Request Infrastructure Demo
Turn Payments into Distribution.
Turn every wallet into a network of controlled recipients. AyrisPay moves beyond P2P transfers to Delegated Spending.
Secure Delegation
"Stream" logic-bound payment access to family, Gen Z kids, or gig-workers without sharing credentials. The grantor keeps full control.
The 1:4 Onboarding Ratio
Every "Grantor" typically adds 3–4 "Recipients" into the ecosystem to receive controlled spend.
75% CAC Reduction
Target significant marketing savings through social-led organic onboarding. Every wallet becomes a distribution channel.
Gen Alpha Capture
Build recurring engagement with younger demographics before they reach traditional banks. Capture the next generation through trusted family networks.