Documentation
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 20 September 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.
Fees
0.25% on send and automations. Swaps are currently free.
Ask PayAI
Describe a payment in English, review it, then sign.
Contracts
Live addresses and what each contract is allowed to do.
HTTP API
Public endpoints, merchant keys, and what is not a public SDK.
Telegram bot
A custodial hot wallet for trading from chat. Optional.
Security
Keys, custody exceptions, Ultrafuzz, how to report a bug.