One intelligent surface,
infinite product possibilities.

From a single API, your team composes the workflows that used to require a portfolio of vendors, a compliance program, and a small army of engineers.

Composable primitives

Accounts, flows, ledgers, identities, and policies — each a small, well-typed object you assemble like Lego.

Intelligent routing

The platform decides the right path automatically — your code states intent, our models choose the rails.

Continuous validation

Every release is replayed against your last 30 days of traffic, so changes ship with measured confidence.

An always-on collaborator for your product team.

A layer of foundation models, fine-tuned on operational signal, that quietly improves every interaction your software has with the outside world.

Ask in language. Get answers in data.

Natural-language interfaces sit on top of every workflow. Ops, analysts, and engineers query the platform the way they think.

  • Conversational interface across logs, metrics, and policies
  • Inline explanations for every routing and risk decision
  • Embedded copilots in dashboards and CLI
$ paypay ask "show me what changed last night" Compared 21:00 → 09:00 UTC across all flows. → 3 new providers came online in MX, AR. → Average decision latency: -12ms. → One model rolled forward: risk-scoring v2.4.1. $ paypay explain flow_8s7m3 Routed via rail A (cost-optimal) → fallback rail B engaged (issuer latency spike) → settled in 1.2s. Confidence: 0.97.
sandbox.session
// Spin up a deterministic sandbox
const session = await client.sandbox.create({
  scenario: "global-launch",
  traffic: { rps: 120, regions: ["US", "DE", "SG"] },
  faults: ["issuer-latency", "network-jitter"]
});

// Replay & inspect
const report = await session.replay();
console.log(report.p95);  // 91ms
console.log(report.notes); // AI summary

Production-like conditions, on demand.

Deterministic, replayable environments with realistic traffic, faults, and edge cases. Build with confidence — and prove it.

  • Per-branch sandboxes spin up in seconds
  • AI-generated test scenarios from your real workflows
  • Side-by-side diff between branches with statistical significance
Read the sandbox guide

Built for software that cannot afford to fail.

Defense in depth

Hardware-backed key management, tokenization at the edge, and isolated per-tenant compute.

Always observable

Every decision is logged, traceable, and explainable. No black boxes, even when the platform is doing the thinking.

Designed for change

Versioned APIs, deprecation windows measured in years, and changelog feeds that integrate with your tooling.

Less plumbing.
More product.

Take the platform for a spin. Free credits included.