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Smarter lending,
Easier borrowing

Automatic rate optimization for lenders and
borrowers. Match with the perfect rates.

01

P2P Rate Matching

Match directly with other users for better rates than traditional platforms. When no match is found, automatically get the best rates from Kamino and MarginFi. Think of it as smart routing for your money.

P2P Rate Matching
02

Flexible Streaming

Pay teams, contributors, or lenders in any way that works for you. Daily salaries, milestone-based payments, or custom curves – all with minimal fees. Perfect for DAOs, startups, and organizations that value flexibility.

Flexible Streaming
03

Always Earning


Your capital never sits idle. When P2P matches aren't available, your funds automatically earn from established protocols. It's like having a smart manager for your crypto, always finding the best opportunities.

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Payment solutions
For everyone

Your capital never sleeps.

Instead of relying solely on Utilization rates and interest-based curves, your funds are matched with borrowers directly at optimized rates. If no match is found, they continue earning through Kamino and Marginfi, ensuring that your capital never sleeps.

PayStream makes payments flexible and effortless

Linear Payments

The simplest way to spread payments over time. Perfect for salaries, subscriptions, or regular loan repayments. Set it once and let it flow.

Step-wise

Release funds at specific milestones. Ideal for project-based work, staged investments, or performance-linked payments. Only pay when work is delivered.

Cliff

Time-locked payments that release after a set period. Great for token vesting, delayed bonuses, or ensuring long-term commitment. Security meets flexibility.

Custom

Design your own payment curve for unique scenarios. Whether it's complex vesting schedules or dynamic repayment plans, you have full control. [0.5% fee applies for custom curves]

Frequently Asked
Questions

No matter what your requirements are,
Paystream fulfills each of them

No

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Smarter Lending, Easier Borrowing!

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