Unipay

Unipay is a decentralized PayFi protocol launched in the UK in 2024, built around USDu, a yield-bearing stablecoin on Solana that combines delta-neutral strategies with staking to generate sustainable on-chain yield, with the stablecoin itself serving as payment and savings tool. It folds payment tooling, credit scoring and ZK-enhanced privacy into one asset layer across Ethereum, Base, Arbitrum, BNB Chain, Aptos and Solana, so cross-border collection, crypto-card spending and on-chain credit assessment share one ledger.

The product logic puts the stablecoin first: USDu yield comes from market-neutral strategies rather than direct lending, payments settle on demand, and credit scoring uses on-chain history instead of traditional documentation. Customer scenarios are cross-border freelance collection, merchant settlement and crypto-card spending. Compared with CeFi crypto cards, yield and settlement stay on-chain with self-held assets; compared with plain stablecoin issuers, it adds a layer of yield strategy and credit assessment.