MettaPay
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RAISING NOW · MIN. CHECK $250,000

Trust,programmed.

MettaPay is the trust layer for stablecoin and tokenized deposit payments. Programmable escrow, real-time compliance, and reversibility — built for the next $250B of on-chain volume.
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BanksCredit UnionsProcessorsFintechsCustody PartnersMarketplacesTrade FinanceTreasury DesksInsurersPayroll PlatformsBanksCredit UnionsProcessorsFintechsCustody PartnersMarketplacesTrade FinanceTreasury DesksInsurersPayroll Platforms
The problem

Stablecoins move money. Nobody guards it.

Settlement is instant. So is fraud. Buyers won't send, sellers won't ship, and treasuries won't touch on-chain payments without a trust layer.

$3.8B
Lost to crypto scams in 2024
0
Chargebacks on stablecoins. Once sent, gone.
47%
Of B2B crypto deals stall on trust, not tech
The solution

Three layers. One trust API.

MettaPay sits between any wallet and any stablecoin, adding the controls banks have spent 60 years building — in a smart contract anyone can audit.

01

Programmable Escrow

Funds release only when milestones, time windows, or M-of-N approvals are met.

02

Built-in Reversibility

Review windows and recall windows catch fraud before it's permanent on-chain.

03

Real-time Compliance

Sanctions, KYC, and risk checks run automatically before any settlement clears.

60-second pitch

How a deal flows.

1

Buyer funds escrow

Stablecoins lock in a smart contract clone, not on our balance sheet.

2

Seller delivers

Marks milestones on-chain. Buyer + cosigners review evidence.

3

Funds release

Math executes the deal. 93% to seller, 7% to MettaPay. Done.

See the full architecture
The market

A trust gap measured in hundreds of billions.

Stablecoin supply crossed $200B in 2025. Every dollar that moves needs the same controls every bank dollar has — and almost none of them have it today.

TAM
$250B
Annual stablecoin transaction volume by 2028
SAM
$40B
B2B & marketplace payments needing escrow
SOM
$1.2B
Reachable in 36 months across our beachhead verticals
Business model

We earn on every settlement.

Transparent on-chain fees on every escrow release. No subscriptions to sell. Revenue scales linearly with stablecoin GMV.

93% → Seller
7%
Example: $1,000 USDC escrow → $70 to MettaPay on release
4%
Standard release
Happy-path deals. Buyer accepts, seller paid.
7%
Cosigned release
Mediated by a neutral cosigner or referee.
15%
Recall / refund
Buyer pulls funds back inside the recall window.
Napkin math
$500M GMV × 6% blended take rate = $30M ARR
At 0.2% of projected 2028 stablecoin volume.
Traction

Live on Base. Growing fast.

0
Escrows created
$0.0M
TVL secured (USDC)
0
Chains live
0
Waitlist signups
Why now / moat

Four reasons this is defensible.

On-chain compliance rails

Sanctions + KYC enforced inside the contract, not bolted on by middleware.

Factory-clone gas moat

EIP-1167 minimal proxies make each escrow ~$1 instead of ~$100. Hard to undercut.

Regulatory tailwinds

MiCA, GENIUS Act, and stablecoin frameworks all push toward programmable controls.

Cosigner network effects

Every neutral referee, arbitrator, and compliance officer compounds platform trust.

Team

Builders who've shipped before.

Elyaan Lahman
Founder & CEO

10+ years in payments & fintech. Built and shipped products at the intersection of money and trust.

Watson Delice
CTO

Shipped systems at scale on Base & EVM. Smart contract architecture and infrastructure lead.

Head of Compliance
AML · Risk

Bio coming soon — built compliance for regulated fintechs.

The ask

Raising a $5M seed.

Joining a syndicate of operators, fintech angels, and crypto-native funds. Minimum check size $250,000 — no exceptions.

Round
$5,000,000
Seed · SAFE on $25M cap
Minimum check
$250,000
Closing
Q2 2026
Strict $250K minimum — no exceptions
Use of funds
18 months of runway
  • Engineering & product
    50%
  • Compliance & licensing
    25%
  • Go-to-market
    20%
  • Reserves
    5%
Email invest@mettapays.com Request the full deck

Allocations are first-come, first-served above the $250,000 minimum.

Let's build trust that settles.

Backed by founders, operators, and funds that have shipped the rails the world runs on. Minimum check $250,000.

invest@mettapays.com Read the architecture