Take payments in crypto without holding anyone’s keys.

The oldest checkout killer in crypto is the mismatch: you price in one coin, the customer holds another, and the sale dies in a swap tab somewhere else. Here the swap happens inside the payment itself: an exact-amount conversion in the customer's own wallet, quoted live, with your invoice address as the receiver.

The invoice asks for the exact coin and amount you fixed, and whatever the swap doesn't use returns to the customer's address in the same transaction, so nothing gets stuck. Every payment lands on a one-time address created for that invoice and held by Cherum: once the network confirms, the amount is credited to your balance within minutes with the 0.90% fee already deducted, and payouts deliver it in USDC, or in the coin and network you chose, to the wallet you set, after every payment or batched past a threshold, as you choose. One lane for everything is also what makes paying from an exchange just work: a withdrawal straight from Binance or Coinbase, where the customer has no wallet to sign with, is a payment like any other.

The swap in the customer’s own wallet costs 0.30%, printed on the quote card before the customer signs. When the customer pays in the coin and network you get paid in, they send exactly the invoice, and you are credited that coin as it arrived, up to the invoice, less the 0.90%. When the coin or network differs from the coin and network you get paid in, the amount they are asked to send includes a 0.50% conversion fee and a rate buffer of 0.10–1.25% by coin against the rate moving while the payment travels. The payment page shows the numbers before they send. On that path you are credited the invoice amount, and the part of the buffer the rate doesn’t use is kept by Cherum. Every part of the price is a number we publish and the payment page names. Compare that with gateways whose "free conversion" lives inside the rate.