Best of · BNB Chain · Updated
The best Payments dApps on BNB Chain in 2026
We track 14 Payments dApps that run on BNB Chain and have reviewed 12 of them in full. Our top pick is Sablier Lockup. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Sablier Lockup
Payments · Ethereum, Polygon, Arbitrum +25
Sablier Lockup is a permissionless protocol for onchain token vesting and airdrops, used by DAOs and businesses on many EVM chains. It is a focused, audited tool, though fees and some chain details need checking before use.
ScoreScore 8.0 out of 10TVL $1.76M−8.2% - 2
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow is a Solana-focused platform for token vesting, airdrops, staking and locks, with about $10.9M TVL on DefiLlama. It suits teams that want on-chain distribution, but fee details are not in the material reviewed.
ScoreScore 7.4 out of 10TVL $10.3M−7.7% - 3
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay is a multi-chain protocol that streams crypto payments by the second, so recipients can withdraw what they have earned at any time. It suits DAOs and crypto-native teams that pay in stablecoins and want to skip manual monthly transfers.
ScoreScore 7.4 out of 10TVL $2.07M+5.2% - 4
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid is a money streaming protocol that moves tokens between addresses continuously, by the second, across ten EVM networks. It suits builders and crypto-native teams, while casual users should expect a learning curve.
ScoreScore 7.3 out of 10TVL $5.38M−2.6% - 5
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets a sender pay a recipient at a constant per-second rate and top up the balance over time. It suits recurring pay such as salaries and contributor budgets, but usage is still modest.
ScoreScore 7.2 out of 10TVL $485K−11.9% - 6
Pay Protocol
Payments · Tron, BNB Chain, Ethereum
Pay Protocol is a non-custodial crypto payment and wallet-as-a-service platform for businesses, built on smart contracts instead of private-key custody. It is a business tool rather than a consumer app, and its security claims have no audit listing to back them up.
ScoreScore 6.6 out of 10TVL $1.06M−52.0% - 7
Papayaswap
Payments · Ethereum, BNB Chain, Polygon +4
Papaya is a protocol for recurring stablecoin payments, with continuous streaming or fixed-period subscriptions. Its no-per-cycle transaction model may suit payment providers and crypto products, but contract and integration details matter.
ScoreScore 6.5 out of 10TVL — - 8
Onchain Trade
Payments · Bitcoin, Solana, BNB Chain +4
Onchainpay is a cryptocurrency payment gateway for businesses, with invoicing, crypto withdrawals, fiat settlement and API integrations. Its feature set is broad, but merchants should confirm fees, settlement terms and security details before relying on it.
ScoreScore 6.2 out of 10TVL — - 9
Sablier Legacy
Payments · Ethereum, Polygon, BNB Chain +4
Sablier Legacy is the original 2019 version of Sablier's token streaming protocol, kept online so recipients can still reach older streams. It suits existing users rather than newcomers looking to start new vesting or payroll.
ScoreScore 6.0 out of 10TVL $495K−0.5% - 10
UniVoucher
Payments · Base, Polygon, Ethereum +4
UniVoucher is a gift card protocol where a card is funded with ETH or an ERC20 token on an EVM chain and redeemed by anyone holding its secret code. Its on-chain footprint is very small, and the protocol's own fees and team are not published.
ScoreScore 5.5 out of 10TVL $197+0.1% - 11
Shopnext
Payments · BNB Chain
ShopNEXT is a shop-to-earn app that has offered shopping cashback and NEXT token rewards through merchant partners. Its current availability, withdrawal terms, and token details are unclear, so check the app and its terms before relying on rewards.
ScoreScore 4.0 out of 10TVL — - 12
Suterusu
Payments · BNB Chain, Ethereum
Suterusu is described as a second-layer private payment protocol for smart-contract platforms, associated with BNB Chain and Ethereum. Its current product details and how users access it are unclear.
ScoreNot rated yetTVL $334+0.2% - 13
Rozo
Payments · Base, Bitcoin, BNB Chain +4
Rozo offers crypto payment and funding tools for merchants, wallets, and agents, including checkout and Lightning payment routes. Its product range is clear, but fees, custody, and security details are not.
ScoreNot rated yetTVL — - 14
Qrax
Payments · BNB Chain
Qrax is described as a cryptocurrency for confidential payments, with staking rewards and core wallets. Its technical design and current project status are not clear.
ScoreNot rated yetTVL —
Payments dApps on BNB Chain: the numbers
- Tracked
- 14
- Reviewed
- 14
- Total TVL
- $21.5M
- Avg. score
- 6.6/10
There are 14 payments dApps on BNB Chain in the DappsAtlas index. Every one of them has a full review. Across the 9 with TVL data, the combined value locked is $21.5M, counting value on every chain they support. Streamflow is the clear leader, holding 48% of it. The five largest make up 95% of the total; the median is $1.06M.
By value locked, the largest payments dApps on BNB Chain are Streamflow ($10.3M), Superfluid ($5.38M) and LlamaPay ($2.07M). The best-rated is Sablier Lockup with 8.0/10, followed by Streamflow (7.4) and LlamaPay (7.4). The 11 rated payments dApps average 6.6/10; 1 reach 8 or above.
Many also deploy elsewhere, most often on Ethereum (12), Polygon (9) and Arbitrum (7). All 10 with a confirmed status are active. In the past week, total value locked fell 9.6%. LlamaPay gained the most (+5.2%), while Pay Protocol dropped the most (−52.0%).
Largest by TVL
- 1
Streamflow$10.3M
- 2
Superfluid$5.38M
- 3
LlamaPay$2.07M
- 4
Sablier Lockup$1.76M
- 5
Pay Protocol$1.06M
Highest rated
- 1
- 2
- 3
- 4
- 5
Sablier Flow7.2
Method
How we ranked them
Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
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Frequently asked questions
What is the largest payments dApp on BNB Chain by TVL?
Streamflow is the largest payments dApp on BNB Chain by total value locked, with $10.3M across all the chains it supports. It is followed by Superfluid ($5.38M) and LlamaPay ($2.07M). TVL figures come from DefiLlama and change daily.
Which payments dApp on BNB Chain has the highest DappsAtlas score?
Sablier Lockup has the highest score at 8.0/10, ahead of Streamflow (7.4) and LlamaPay (7.4). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many payments dApps on BNB Chain has DappsAtlas reviewed?
DappsAtlas tracks 14 payments dApps on BNB Chain. Of these, 14 have a full review and 9 report value locked, $21.5M in total, counting value on every chain they support.
Which payments dApps on BNB Chain grew the most this week?
Among payments dApps with at least $1M locked, LlamaPay had the biggest 7-day TVL gain (+5.2%) and Pay Protocol the biggest drop (−52.0%). Combined TVL moved −9.6% over the same seven days.
What is the average score for payments dApps on BNB Chain?
The 11 rated payments dApps on BNB Chain average 6.6 out of 10. Of these, 1 score 8 or higher and 1 score below 5.