pay.aibiz · Layer 2 of the 1BZ Network · Payment Gateway

The spending agent

Blockchain payments as simple as scanning a QR code. Merchants invoice in BZeUSD, USDC or USDT — customers scan and confirm, funds land wallet-to-wallet. And for everything outside the ecosystem, your agent gets a single-use card.

No bank account. No card terminal. No platform fees — the only cost is Polygon gas, typically a few cents.

Open merchant dashboard Get BZeUSD Global cards

See what actually happens

Two ways your BZeUSD becomes a purchase — outside the network through a one-time card, or inside it with no card at all.

1 · Buying anywhere on earth (say, Amazon)

You / your agent holds .pay key + BZeUSD balance pay.1bz.biz desk charges BZeUSD first, refunds if issue fails AgentCard mints a ONE-TIME card capped at your amount Amazon checkout card used once, then it's dead forever ① pay 25.20 BZeUSD ② issue $24 ③ type it in the card number appears ONCE on YOUR screen — pulled with your key, never emailed, never stored Your bank card: never involved. · The merchant never sees anything reusable. · Worst case ever = the one card's value, once. ④ behind the scenes the desk's own funding card settles with the merchant — your BZeUSD stayed in the network If checkout asks for a verification code, your agent fetches it too (3DS) — no phone, no waiting.

Example with a $23.47 cart: rounded to a $24 card, costs 25.20 BZeUSD (5% desk fee). Cards $1–150, account $200/day.

2 · Buying inside the 1BZ network — no card at all

Your BZeUSD wallet balance or .pay credits .aibiz names & seats domains · .pay/.aibox/.work cards — from $10 UBC books 📚 published here — buy & register your copy AI capability calls SMS · voice · workflows — split 70/20/10 Merchant invoices & QR bill anyone, they scan & pay — zero fees the BZeUSD desk top up (+10% bonds) · earn 10%/yr vault direct settlement — wallet-to-wallet on Polygon, receipt in your aibox, seconds, no card, no processor

Everything the network itself sells is paid this way. Books: buy links live on ubc.1bz.biz today; direct BZeUSD ebook checkout arrives for non-exclusive titles.

Merchant flow

🧾

Create invoice

Amount, token, description — 30 seconds. Optional expiry (24h to 30 days) and your .aibiz merchant name.

📲

Share link or QR

WhatsApp, email, SMS — or display the QR at the point of sale. Every invoice gets a unique URL.

⚡

Customer pays

They scan, confirm in their own wallet, and the transfer is on-chain in seconds.

✅

Settlement complete

Funds land directly in your wallet. Dashboard updates, receipt generated. Nothing is ever held by us.

What's live now Phase 1 · Active

✓ QR payments & links

A unique URL and scannable QR per invoice — the payer just opens and confirms.

✓ Business invoices

Itemised, with memo, expiry and merchant name. Permanent record.

✓ Merchant dashboard

Totals, pending, paid, received — one screen; click any invoice for detail.

✓ Multi-token

BZeUSD, USDC and USDT on Polygon — direct wallet-to-wallet, no custody.

✓ Zero platform fees

1BZ Pay charges nothing. Only cost: Polygon gas, a few cents, paid by the sender.

✓ Single-use global cards

NEW — the spending agent: BZeUSD in, a capped one-time card out, for any merchant on earth. Below ↓

How to get BZeUSD

BZeUSD is the settlement utility token of the 1BZ Network — $1 parity, used for B2B payments, escrow, marketplace transactions and AI service fees across every .aibiz business. Getting started takes one visit to the desk:

🔁

1. Deposit stables

At bzeusd.1bz.biz: deposit USDT or USDC for one year and instantly receive the same amount of BZeUSD plus 10% up front — and a colorful bond NFT that IS your deposit (tradeable if you need liquidity early).

🏦

2. Or earn on what you hold

Put BZeUSD in the vault: 10% a year, accruing every second, withdraw any time. Interest comes from a pre-funded reserve — never from other depositors.

💳

3. Spend it anywhere

Locally on every AIBIZ service directly — or globally through the spending agent's single-use cards. One balance, the whole world.

Open the BZeUSD desk →

Global — a card for everything else

Your agent pays BZeUSD here and receives a single-use virtual card for that exact amount — usable at any ordinary merchant, then gone. The number exists for one purchase: nothing to skim, nothing to leak. 3DS handled.

Checking the desk…
Card amount $

Issued through the API to agents holding an AIBIZ machine key (BizNode Wallet or any BCI caller). BZeUSD is charged first and auto-refunded if issue fails. Limits: $1–150 per card, $200/day.

How an agent spends globally

  1. Know the checkout total — say $25.
  2. POST /api/pay/agentcard/card with an sk_aibiz_* key → 26.25 BZeUSD charged (5% desk fee) → a one-time card returns.
  3. Enter it at the merchant exactly once; /api/pay/agentcard/3ds fetches any verification code.
  4. The card dies after use (or 7 days). Unused holds release automatically.

Your <name>.pay.aibiz ($10) is the payment identity behind it all — owned on-chain, blockchain-authenticated, holding the BZeUSD balance that funds both rails.

Roadmap

LIVE · Phase 1

Merchant platform

QR payments · invoices · payment links · dashboard · single-use global agent cards

Phase 2

Smart escrow

Buyer locks funds, released on delivery confirmation; milestone escrow for project work.

Phase 3

Subscriptions & rewards

Recurring schedules, customer rewards, transaction history reports.

Phase 4

Payment network & APIs

Public REST APIs and webhooks so developers integrate 1BZ Pay into their own apps.

Where 1BZ Pay fits

Layer 1 · Settlement

BZeUSD

The settlement utility token — B2B payments, escrow, marketplace and AI service fees at $1 parity. Deposits pay 10% up front; the vault pays 10%/yr.

bzeusd.1bz.biz →
Layer 2 · You are here

1BZ Pay

The payment gateway: QR, invoices, dashboard — and the spending agent bridging BZeUSD to the world's checkouts. Blockchain operates invisibly.

pay.1bz.biz
Layer 3 · Application

APP.1BZ.BIZ

The business desktop — Wallet, Marketplace, Trade, Escrow, AI agents and every ecosystem tool from a single login.

app.1bz.biz →

Accepted tokens (Polygon mainnet)

TokenRoleDecimalsContract
💰 BZeUSD1BZ settlement token180xC8a8…a650
🔵 USDCCircle (invoices accept USDC.e)60x3c49…3359 · 0x2791…4174
🟢 USDTTether (bridged)60xc213…8e8F

Help & FAQ

Do I need to know about blockchain to use 1BZ Pay?

No. You need a wallet app (MetaMask or any EVM wallet). Once connected, creating an invoice takes 30 seconds — the blockchain part is invisible.

Does my customer need a wallet?

To pay an invoice, yes — they pay from their own wallet. Future phases add server-managed wallets (email + OTP) so customers won't need to know about Polygon at all.

What are the fees?

Invoices: zero platform fee — only Polygon gas (a few cents), paid by the sender; funds go directly from the customer's wallet to yours. Global cards: a 5% desk fee on the card amount, charged in BZeUSD.

How does payment verification work?

After the on-chain transfer confirms, the payer's browser posts the transaction hash and the invoice is marked paid. Every transaction is independently verifiable on Polygonscan.

What is a .pay card?

Your payment identity: the <name>.pay.aibiz NFT ($10). It's blockchain-authenticated (your wallet signs, the chain confirms ownership), holds a BZeUSD balance, spends directly on any AIBIZ service — and globally through single-use cards. There is no permanent card number to steal.

How do I get BZeUSD?

At bzeusd.1bz.biz — deposit USDT/USDC and receive the par amount plus 10% up front (your stables come back after a year), or receive BZeUSD from any member. The vault pays 10%/yr on what you hold.

Private program. The spending agent is an internal facility of the AIBIZ network for associates and their agents using the BZeUSD utility token — not a public payment service, bank, or card program. Global cards are issued by AgentCard under their terms; AIBIZ adds the BZeUSD settlement rail and a desk fee.