Web3 payment protocols

Streaming or Recurring Payments

Token steaming means sending recurring payments in real time, like water flowing into its target. There are two kinds of payment innovations:

• Payout, or payer-side innovation: Business owners use it for payroll, subscription, token vesting, corporate treasury, etc. The customer is mostly on the sender side, optimizing how to send out salaries or token equities to your employees securely, cost-effectively, and automatically, like "Workday + Carta + Brex for crypto".
• Accept payment, or payee-side innovation: Merchants use it to accept payments and allow customers to checkout, like "Stripe for crypto".

Projects	Blockchains	Payout	Accept Payments	Differentiation
Sablier	EVM	✅	❌	protocol for real-time finance, protocol + app
Superfluid	EVM	✅	❌	stream money every second, protocol + app
Roke.to	NEAR	✅	❌	stream money, protocol + app
Zebec	Solana	✅	✅	multisig treasury management and streaming payments
Streamflow	Solana	✅	✅	token distribution platform, token vesting and payroll
MeanFi	Solana	✅	❌	manage Your Treasury With Real-Time Finance
calamus.finance	Multi-chain	✅	❌	real-time payment and token vesting
llamapay	EVM	✅	❌	automate transactions and stream them by the second. salary, vesting, payments.
Suberra	EVM	❌	✅	accept crypto for commerce, one-time payments or recurring subscriptions
LoopCrypto	Ethereum, Polygon	❌	✅	payment links, receipts and reminders, dashboard, web hooks
diagonal.finance	EVM	❌	✅	non-custodial - Multiple models fixed, seat, usage-based, or Superfluid streaming
radom.network	NEAR, Aurora	✅	❌	pay web2 services with crypto
spritz.finance	EVM	✅	❌	pay bills with crypto
cask.fi	EVM	✅	✅	non-custodial protocol for auto payment
DataMynt	Multi-chain	✅	✅	for business, deposit, settlement, payment, invoice
Orbital	Multi-chain	✅	✅	web2 + web3 corporate financial services
Coinbase commerce	Multi-chain	❌	✅	merchants accept payments with custodial and non-custodial wallets and allow customers to checkout
wink.finance	Multi-chain	✅	❌	simplifies payments and expense management, multisig

Account Abstraction

As of the end of 2022, the most prominent web3 payment protocol is probably EIP-86/EIP-4337 for Account Abstraction. It uses smart-contract wallets to decouple private key ownership from asset account ownership. The protocol is still a work in progress on Ethereum, but Visa has implemented auto payments for self-custodial wallets on Starkware in its internal hackathon.