Performances
RD Popularity Index
RD Growth Index
| 1h | 24h | 7d | 30d | 60d | 90d |
|---|---|---|---|---|---|
| 0.44% | 3.82% | 0.87% | 21.55% | 13.33% | 4.09% |
Comparison
Developer
Tokenomics
Unlock Progress
Data source: CoinGecko
Top Holders
| Address | Token | Quantity | Percentage | Value |
|---|---|---|---|---|
| 0x47ff...c28c |   WPAY | 1,765,666,670 | 17.66% | $1.49B |
| 0x410b...c4b1 | WPAY | 1,242,133,335 | 12.42% | $1.04B |
| 0x7e5f...95bf | WPAY | 1,125,102,984 | 11.25% | $950.16M |
Open Markets
| # | Exchange | Pair | Price | +2% depth | -2% depth | Volume (24h) | volume % |
|---|---|---|---|---|---|---|---|
| 1 | WPAY/WETH | $0.1735 | $811 | $809 | $11,912 | 0.53% |
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About Wirex Pay
Wirex Pay is a decentralized payment network built on zero-knowledge (ZK) technology, offering non-custodial card issuance and virtual account services. Its core innovation is an Account Abstraction (AA) wallet that acts as a unified balance pool, enabling instant card payments and bank transfers without requiring users to pre-fund separate accounts. The platform employs two key security modules: an Execution Delay Policy that introduces a time-lock on fund movements to prevent fraud, and a Funds Management Executor that handles authorized charge operations. This architecture allows users to retain full custody of assets while enjoying the convenience of traditional payment rails.
The project's competitive edge lies in its "compliance-as-a-middleware" approach. By combining programmable security with existing card networks (Visa/Mastercard), it bridges the gap between decentralized finance and regulated payment systems. Wirex Pay addresses a critical market pain point: the rapid growth of stablecoin usage (non-USD stablecoin monthly transfers grew 16x from 2023-2026, with 80% for real-world payments) has outpaced compliant infrastructure. Most businesses lack resources to build their own compliance frameworks, making Wirex Pay's turnkey solution essential.
In the past six months (March-September 2026), Wirex Pay joined Visa's Agentic Ready program (June 2026), testing AI-agent-initiated payments. It launched Wirex Agents, a non-custodial infrastructure layer enabling AI agents to create stablecoin cards and execute on-chain transactions, integrated with MCP (Model Context Protocol). By July 2026, the platform processed $105 million in monthly on-chain card transactions (34% MoM growth), surpassing competitors Rain and RedDot combined. It onboarded 300+ enterprise clients with an average integration time of just 44 days.
A notable concern: AI-agent autonomous payments operate in a regulatory gray area, as current compliance frameworks do not clearly address machine-initiated transactions. This could pose future legal risks despite the platform's strong technical foundation.
Wirex Pay's mainnet went live, marking a key milestone in decentralized payments. The subsequent node sale ensured community-driven security, and the upcoming WPAY governance token in September will enable decentralized decision-making. These steps establish a foundation for long-term network growth and user empowerment.
Positive: Wirex BaaS annualized on-chain card spend reached $2B, doubling in 110 days, accelerating ecosystem adoption; integration with Tempo for enterprise stablecoin settlement; WIP-002 passed, stopping node rewards and establishing a 50K WPAY monthly staking pool, reducing net inflation and incentivizing long-term holding; node rewards cut to fixed 40 WPAY/month, reducing sell pressure.
Negative: Node operator rewards cut or eliminated, potentially reducing participation; governance adjustments carry execution risk and uncertainty; staking rewards still create some inflation.
Pavel Matveev - Founder of Wirex Pay. Blockchain entrepreneur with over 10 years of investment banking experience. Previously founded Wirex, a digital payment platform. Currently also serves as Group CEO of Wirex.
Daniel Rowlands - General Manager of Wirex Pay. 13+ years in business development and partnerships. Previously held roles at LHV Bank (VP Commercial), Starling Bank (Head of Business Development), and Currencycloud (Sales & Partnerships Lead).