PayAI, in writing
PayAI turns natural-language intent into on-chain execution on Monad. These pages describe what the product actually does today — including the limits.
Last updated 13 October 2026
Start here
New to the app? Getting started is the shortest path to a real payment. If you need to trust it with money first, read Security and Fees.
UsePayAI operates PayAI at usepayai.xyz. We are not affiliated with PayAI Network, payai.network, or the $PAYAI token.
Contents
Getting started
Connect a wallet and send the first payment.
Payments
Send MON or any Monad token, including to a .nad name.
Automations
Wallet Automation vs Reserved Funds, bulk, skip, execute now.
Trading
Swap, buy or sell any Monad token by symbol or contract address.
Fees
PayAI charges fees on sends, automations, split payments, and trades routed through PayAI's trade executor. Trades routed directly to a DEX do not incur a PayAI trade-executor fee.
Ask PayAI
One action or many in one request — planned, reviewed and run on one approval.
Visual intent
Pay from a QR code, a payment request, an invoice or a screenshot.
PayAI SDK
Wrap, unwrap, split and swap actions in Ask PayAI, and how each is checked.
Contracts
Live addresses and what each contract is allowed to do.
Security
Keys, custody exceptions, Ultrafuzz, how to report a bug.