Instant Payments · 0% Fees
Zero fees. Three-second settlement.
We’re not a payment processor. We don’t need to be. The XRP Ledger settles payments in 3 seconds, non-custodial, final. Your customers pay — you receive. No middleman. No percentage. No monthly fee. No contracts. Just money, moving at the speed it was always supposed to.
On $50,000/month in revenue
$0
in payment processing fees
Square would take $1,300/mo · Toast would take $1,575/mo · DoorDash would take $15,000/mo
What they take from every dollar
How a payment settles
Customer scans or taps
QR code on the POS, or tap-to-pay on their phone. BTC, XRP, USDC, RLUSD — whatever they hold.
0s
XRPL settles the payment
Cross-currency path payment executes atomically on the XRP Ledger. No intermediary bank. No batch processing. No 3-day hold.
~3s
Funds hit your wallet
Direct to your Xaman wallet. Non-custodial — ALAMOai never touches the money. You own the keys, you own the funds, done.
Final
XRP
BTC
USDC
RLUSD
Powered by XRPL
No payment provider needed
The XRP Ledger IS the payment processor. It settles cross-currency payments atomically in one ledger close. We don’t need Stripe. We don’t need Square. We don’t need anyone. The ledger does the work.
Card customers
PayRam: free, on YOUR server
Not everyone holds crypto yet. For card customers, we plug in PayRam — free open-source software running on your own server, not ours. The card network still takes their cut, but zero ALAMOai markup. $100M+ already settled across 100+ merchants.
Non-custodial
We never touch your money
You own the Xaman wallet. You own the keys. ALAMOai is an AI automation company, not a bank. We built the plumbing between your POS and your wallet — then we get out of the way.
3-second settlement · non-custodial · your keys, your money