PaySats

Agentic Bitcoin
payments for
Southeast Asia

Save in Bitcoin. Spend in rupiah. Borrow without selling, and let AI agents run it for you.

Auto-save into BTC Borrow, don't sell Agent-operated

Total Bitcoin

0.0428 BTC

≈ Rp 48.640.000

Auto-buy

Rp 50k / wk

Borrow

no sell

🤖 Agent

"Set up weekly DCA" ✓

The opportunity

Southeast Asia wants to save in hard money

The youngest, most mobile, most crypto-native region on earth, saving in currencies that keep losing ground.

680M

people across SEA, median age ~30, mobile-first

#1

Indonesia & Vietnam rank top of the global crypto adoption index

20M+

registered crypto investors in Indonesia alone

~70%

of SEA adults are unbanked or underbanked

Chainalysis Global Crypto Adoption Index · Bappebti · World Bank · Google e-Conomy SEA

Market

Start in Indonesia. Win Southeast Asia.

A wedge into the largest, fastest-growing crypto-savings market, then expand across the region on the same rails.

🇮🇩 Indonesia · launch 🇵🇭 Philippines 🇻🇳 Vietnam 🇹🇭 Thailand

$1B+

SEA digital-asset volume opportunity as savings goes on-chain

$80B+

annual remittances flowing into SEA, ripe for stablecoin rails

~30%

of SEA GDP growth driven by the digital economy by 2030

The problem

Every app treats your savings like chips on a table

📉

Built to make you trade

Exchanges profit on volume, so the whole UX nudges you to buy, sell, and churn: the opposite of long-term saving.

✂️

The only "cash out" is sell

Need money for rent, a bill, an emergency? The single button is Sell, so you give up the savings you worked to build.

🧱

Fiat on/off-ramps are clunky

Getting rupiah in and out means KYC mazes, P2P risk, and apps that were never designed for everyday money.

You wouldn't sell your house every time you need cash, so why sell your Bitcoin?

The insight

Selling your savings is the expensive option

Selling BTC for cash

✕You permanently lose your stack, and all its future upside
✕Triggers a taxable event every time
✕You're forced to sell at whatever the price is today
✕You have to start saving all over again

Borrowing against BTC

✓Keep 100% of your Bitcoin and its upside
✓No sale, no realized gain
✓Get stablecoins now, repay anytime, no penalties
✓Your savings keep compounding while you spend

The solution

PaySats: a Bitcoin savings account that pays your bills

One mobile app for the full loop: rupiah in, Bitcoin saved, cash out without ever selling.

🪙

Auto-save into Bitcoin

Deposit rupiah by bank or QRIS and DCA into BTC on a schedule. Start from Rp 25.000.

🔒

Borrow, never sell

Lock Bitcoin as collateral and draw stablecoins instantly. Repay anytime, keep your stack.

🤖

Agent-operated

AI agents check balances, top up, and manage your savings through PaySats. You stay in control of payments.

Sign in with Google. No seed phrase. No exchange. Just savings that work.

How it works

The whole money loop, in one app

01

Sign in

Google login creates a self-custodial smart wallet. No seed phrase.

→

02

Deposit IDR

Bank transfer or QRIS mints IDRX on Base or BNB — rupiah, on-chain.

→

03

Auto-DCA → BTC

Scheduled swaps stack wrapped BTC — cbBTC on Base, BTCB on BNB. IDRX on both chains; any route works.

→

04

Borrow stablecoins

Lock BTC collateral on Base or BNB, draw USDC instantly. No sale, no penalty.

→

05

Cash out

Send IDR to any bank or e-wallet, within minutes.

Privy

Embedded wallets & auth, no seed phrases

IDRX

Licensed rupiah stablecoin on Base & BNB — mint, burn, redeem

Base

cbBTC, USDC & Morpho lending on a low-fee L2

BNB

BTCB & IDRX on BNB Chain — route on Base or BNB, same loop

The differentiator

Banking an AI agent can actually use

PaySats ships a native agent interface (MCP). Connect Claude or any agent and it can read balances, top up, and run your savings, authorized per-user, with humans approving every payment.

OAuth per user Human-approved payments Self-custodial

Live MCP tools: get_account · create_idr_deposit · setup_dca · get_dca_status · cancel_dca · get_dca_history

you ▸ save Rp 100k a week into Bitcoin

agent ▸ get_account()

balance: Rp 40.000 · need top-up

agent ▸ create_idr_deposit(60000)

→ pay here: pay.idrx/qris · you approve ✓

agent ▸ setup_dca(100000, weekly)

agent ▸ Done. Stacking Rp 100k → BTC every week. 🟢

Why now

Four curves just crossed

💵

Stablecoin rails

Licensed local stablecoins like IDRX on Base and BNB make rupiah on/off-ramps instant and compliant.

₿

Bitcoin on-chain

Wrapped BTC on Base (cbBTC) and BNB Chain (BTCB) + lending markets make "borrow, don't sell" a one-tap reality.

👛

Invisible wallets

Account abstraction means a Google login is all a user ever needs to see.

🤖

Capable agents

MCP gives AI agents a safe, standard way to operate real money on your behalf.

The infrastructure for an agentic Bitcoin bank exists today. PaySats assembles it for the people who need it most.

Business model

We earn when users save and spend

🔁

On/off-ramp spread

A thin margin on every IDR ⇄ stablecoin conversion.

📈

DCA fee

Small fee on automated recurring Bitcoin buys.

🏦

Lending spread

Margin between user borrow rate and on-chain market rate.

🤝

Agent & B2B

Premium agent automations and a savings-API for partners.

Aligned with the user: revenue grows as their savings grow, not as they churn.

Status

Built and working, not a mockup

✅

Live product

Google auth + smart wallets, IDR deposits, auto-DCA, instant credit, and bank/e-wallet cash-out are all shipped.

🤖

Agent interface live

A working MCP server lets agents operate accounts today, with human-approved payments.

🔗

Real rails integrated

Privy, IDRX on Base & BNB, cbBTC, BTCB, USDC and Morpho lending wired end-to-end.

Rp 25k

minimum to start saving

mins

cash-out to any bank or e-wallet

0

seed phrases for the user to manage