CoinPay Portal

• Name: CoinPay Portal
• URL: https://coinpayportal.com/
• Category: merchant checkout bundle / non-custodial wallet and escrow tooling / x402 facilitator
• Tags: bitcoin-ecosystem ethereum-ecosystem solana-ecosystem
• Summary: CoinPay Portal is an operator bundle: merchant gateway, wallet, escrow tool, and x402 facilitator in one stack. The interesting part is that the same operator surface handles checkout state, wallet signing, escrow release, and paid-endpoint flows. Useful bundle, still packaging rather than a new rail.
• What it does:
  • Lets merchants accept crypto payments across Bitcoin, Bitcoin Cash, Ethereum, Polygon, Solana, Lightning, and supported stablecoin rails, with platform fees deducted before forwarding to merchant-controlled wallets
  • Provides a non-custodial multi-chain web wallet and CLI where keys stay client-side and authenticated requests are signed with the wallet’s secp256k1 key
  • Uses a prepare → sign locally → broadcast flow for outbound wallet transactions and runs background finalization and sync services for confirmations and indexed deposits
  • Offers trustless escrow creation, release, refund, and dispute workflows using unique release and beneficiary tokens instead of conventional user accounts
  • Ships x402 payment tooling for merchants and clients, including SDK middleware, a facilitator API, and multi-rail payment options spanning onchain crypto, Lightning, and Stripe/card flows
  • Publishes AI-agent integration surfaces including skill.md, prompt docs, and SDK/CLI flows for wallet, escrow, payment, and x402 automation
  • Extends the platform with DID and reputation features that the homepage and repo describe as portable trust vectors and signed receipts across platforms
• Key claims:
  • The homepage describes CoinPay Portal as “non-custodial crypto infrastructure” for humans and AI agents and says agents can create wallets, send payments, and manage escrows autonomously via skill.md
  • The homepage and help center say platform fees are 0.5–1% depending on plan and that funds go directly to the merchant’s wallet rather than being held by CoinPay
  • The docs say CoinPay Portal is “the only multi-chain x402 facilitator” and show 402 Payment Required flows that accept BTC, BCH, ETH, POL, SOL, USDC on multiple chains, Lightning, and Stripe/card options
  • The docs and skill.md both document a non-custodial web wallet where the server stores public keys only, requests can be authorized by secp256k1 signatures, and outbound transfers follow a prepare/sign/broadcast pattern
  • The skill.md and docs describe escrow flows that return unique release and beneficiary tokens once, support refund and dispute actions, and auto-detect onchain funding
  • The GitHub README describes the project as all-in-one payment infrastructure with escrow, wallet, Lightning, x402, Stripe, and DID reputation layers, and it also documents self-hosting requirements plus plugin surfaces for WHMCS, WooCommerce, and FOSSBilling
• Whitepaper: No canonical standalone CoinPay Portal whitepaper or litepaper surfaced in this pass. The clearest current sources of truth were the official site, docs corpus, skill.md, help center, and canonical GitHub repository; see ../whitepapers/coinpay-portal-primary-sources-2026-05-03.md.
• Sources:
  • https://coinpayportal.com/
  • https://coinpayportal.com/docs
  • https://coinpayportal.com/skill.md
  • https://coinpayportal.com/help
  • https://github.com/profullstack/coinpayportal

Internal linkages

• x402 — strongest paid-endpoint anchor for the facilitator side of the stack
• transaction-authorization-protocol — sharper comparison for spend policy, delegated action, and who is actually allowed to move after the first prompt

Control surface

• Power sits in wallet-key authorization, merchant checkout configuration, escrow release and refund policy, supported payment rails, and facilitator behavior around x402 flows.

• Read it as bundled operator tooling, not as a base payment protocol.

• Last reviewed: 2026-06-03 UTC