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About Polyflow
Polyflow is PayFi infrastructure for crypto payments that separates the information flow of a payment instruction from the flow of funds: the Payment ID carries the former, while onchain escrow and settlement contracts execute the latter, serving payment providers, cross-border merchants and consumer apps that need compliant onboarding. A PID is a soulbound identity bound to an address, to which a user attaches KYC results from vendors such as Sumsub as verifiable credentials, so a verifier checks eligibility through zero-knowledge proofs without receiving the underlying documents. A liquidity pool advances settlement funds against payment orders and charges by holding period.
It sits between payment gateways and DeFi, distinct from custodial processors in separating KYC credentials from settlement money, so merchants verify proofs without touching identity data. PIDs can currently be minted only on Ethereum and Tron, with payments on other chains requiring a mapped representation, and credential validity depends on receipts returned by the external KYC vendor.
PolyFlow first launched its Payment ID (PID) functionality on the Ethereum and Polygon mainnets. Built on the W3C DID standard and integrating zero-knowledge proofs, PID enables compliance onboarding while preserving privacy, establishing the identity layer for PayFi scenarios. Subsequently, PolyFlow introduced a crypto payment debit card supporting top-ups across multiple networks including Ethereum, Polygon, X Layer, BEVM, Berachain, Scroll, Bitlayer, Base, and Kroma, with plans to integrate Solana and TON. After registering a PID, users can apply for the card and use crypto assets for daily and online payments worldwide. These milestones respectively solidify PolyFlow's long-term significance in decentralized identity infrastructure and bridging crypto assets with real-world payment scenarios.
On February 20, 2026 Polyflow opened whitelisting for its token, followed by a public presale at 16:00 on March 6 priced at 0.086 USDC per PID with a one-million-token floor per wallet, and a token generation event at 16:00 on March 11 with initial liquidity on a decentralised exchange. Allocation is 40% to ecosystem and yield, 25% to public and private sales, and 35% to team and treasury, with staking unlocking premium Payment IDs and reducing cross-border fees.
Polyflow's product rests on two pieces of infrastructure. PID uses verifiable credentials and zero-knowledge proofs so conclusions such as over 21 or already KYC-verified travel between platforms, with merchants receiving true or false and no document data; PLP turns in-flight payment balances into a liquidity pool where merchants get paid early and suppliers earn fees. From August the team pointed this account layer at AI agents, supporting machine payment protocols such as x402, agent credit cards and budget controls, and wiring together accounts from Pelago, Bridge, Circle, Visa and digital banks.
Polyflow plans to spread reusable identity credentials into more payment and compliance settings, broaden PLP funding sources, and treat agents and robots as first-class account holders.
Raymond Qu — Co-founder; over 20 years in international finance, founder of payments firm Geoswift and Airswift.
Shine Sha — Co-founder; involved in the PayFi protocol and Payment ID architecture.
Chuck Zhang — Chief Financial Officer;
Eddy Hofmann — Chief Marketing Officer.