Infrastructure · Category ranking
Best Payments dApps in 2026
104 Payments dApps ranked by DappsAtlas score and total value locked. Open any row for the full review.
- Listed
- 104
- Reviewed
- 104
- Page
- 1/3
Payments dApps cover tools for sending, receiving and scheduling crypto transfers. Some work as payment rails, like the Lightning Network on Bitcoin. Others handle recurring flows, like Superfluid, LlamaPay and Sablier, or lock and vest tokens, like Streamflow and Sablier Lockup. A few, including Telcoin, PagCrypto and Flexa, link crypto balances to everyday spending and merchants.
Most of these dApps run on smart contracts that hold funds and release them under set rules, such as by the second, on a vesting schedule or when a subscription is due. Revenue differs by model. Protocols may charge small fees or rely on network gas, while merchant and wallet services often take a percentage or a minimum fee. Some are tied to a token, such as Telcoin's TEL, Ultima's ULTIMA or Lyzi's LYZI. Several others are free to use apart from gas.
When comparing, look at which chains are supported, whether the service is non-custodial, and how fees are published. Also check whether the contracts have been audited and how much value the protocol holds. Lightning Network has the largest TVL here, at about $255.8M at the time of writing. Sablier Lockup has the highest score on our list, with Streamflow, LlamaPay and Superfluid close behind. Where a dApp involves gambling-adjacent or regulated services, you must be 18+ (21+ where required) and check that the service is legal where you live.
Payments dApps at a glance
- Tracked
- 104
- Reviewed
- 104
- Total TVL
- $263M
- Avg. score
- 6.0/10
Largest by TVL
- 1
Lightning Network$241M
- 2
Streamflow$10.3M
- 3
Superfluid$5.38M
- 4
LlamaPay$2.07M
- 5
Sablier Lockup$1.76M
Highest rated
- 1
- 2
Wise8.0
- 3
Fungies7.8
- 4
- 5
| Chains | |||||
|---|---|---|---|---|---|
| 1 | Sablier LockupReviewed | Ethereum, Polygon +26 | $1.76M | −8.2% | 8.0 |
| 2 | WiseReviewed | — | — | — | 8.0 |
| 3 | FungiesReviewed | — | — | — | 7.8 |
| 4 | StreamflowReviewed | Solana, Aptos +4 | $10.3M | −7.7% | 7.4 |
| 5 | LlamaPayReviewed | BNB Chain, Arbitrum +20 | $2.07M | +5.2% | 7.4 |
| 6 | TelcoinReviewed | Polygon | $0 | — | 7.4 |
| 7 | SuperfluidReviewed | Optimism, Base +8 | $5.38M | −2.6% | 7.3 |
| 8 | Sablier FlowReviewed | Ethereum, Arbitrum +24 | $485K | −11.9% | 7.2 |
| 9 | Lightning NetworkReviewed | Bitcoin | $241M | −9.8% | 7.0 |
| 10 | PagCryptoReviewed | Solana, Ethereum +6 | — | — | 7.0 |
| 11 | Pulsar MoneyReviewed | MultiversX, Arc +1 | $1.39K | +1.2% | 6.8 |
| 12 | LyncReviewed | — | — | — | 6.8 |
| 13 | Morse FinanceReviewed | — | — | — | 6.8 |
| 14 | Bnb LemonReviewed | — | — | — | 6.7 |
| 15 | Pay ProtocolReviewed | Tron, BNB Chain +1 | $1.06M | −52.0% | 6.6 |
| 16 | BpayReviewed | — | — | — | 6.5 |
| 17 | Wall AppReviewed | — | — | — | 6.5 |
| 18 | AircashReviewed | — | — | — | 6.5 |
| 19 | GreenhoodReviewed | — | — | — | 6.5 |
| 20 | Node RunnersReviewed | Arbitrum, Base +4 | — | — | 6.5 |
| 21 | PapayaswapReviewed | Ethereum, BNB Chain +5 | — | — | 6.5 |
| 22 | Resolve MoneyReviewed | — | — | — | 6.5 |
| 23 | Cbd CashReviewed | — | — | — | 6.5 |
| 24 | Fungi FinanceReviewed | — | — | — | 6.5 |
| 25 | NekoliveReviewed | — | — | — | 6.5 |
| 26 | Novapay SolutionsReviewed | — | — | — | 6.5 |
| 27 | Spell MinerReviewed | — | — | — | 6.5 |
| 28 | TributaryReviewed | Solana | — | — | 6.4 |
| 29 | AtrixReviewed | — | — | — | 6.4 |
| 30 | ReadyReviewed | — | — | — | 6.2 |
| 31 | Onchain TradeReviewed | Bitcoin, Solana +5 | — | — | 6.2 |
| 32 | Sablier LegacyReviewed | Ethereum, Polygon +5 | $495K | −0.5% | 6.0 |
| 33 | Corridor FinanceReviewed | Tempo, Stellar +2 | — | — | 6.0 |
| 34 | SkylineReviewed | — | — | — | 5.8 |
| 35 | FourReviewed | — | — | — | 5.8 |
| 36 | BinancepayReviewed | — | — | — | 5.8 |
| 37 | RootsReviewed | Berachain | $24.4K | +0.1% | 5.5 |
| 38 | UniVoucherReviewed | Base, Polygon +5 | $197 | +0.1% | 5.5 |
| 39 | UltimaReviewed | Other | — | — | 5.5 |
| 40 | LynkReviewed | — | — | — | 5.5 |
| 41 | KriptonReviewed | — | — | — | 5.5 |
| 42 | StablelinkReviewed | Etherlink | — | — | 5.5 |
| 43 | Helio Web3 PaymentsReviewed | Solana, Ethereum +1 | — | — | 5.5 |
| 44 | Safe Pay FinanceReviewed | — | — | — | 5.5 |
| 45 | SparkleReviewed | Solana | — | — | 5.2 |
| 46 | SprintcheckoutReviewed | — | — | — | 5.2 |
| 47 | PushcoinReviewed | — | — | — | 5.0 |
| 48 | FlexaReviewed | — | — | — | 5.0 |
| 49 | UnipassReviewed | — | — | — | 5.0 |
| 50 | AryzeReviewed | Arbitrum | — | — | 5.0 |
Ranked by DappsAtlas score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
Payments dApps by chain
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Frequently asked questions
What is a crypto payments dApp?
A crypto payments dApp moves value, or sets the rules for moving it, using a blockchain or smart contracts instead of a bank or card network. Examples on this page include per-second streaming (Superfluid, LlamaPay), token vesting (Streamflow, Sablier Lockup), a Bitcoin payment channel network (Lightning Network) and merchant checkout tools (Flexa, Sprintcheckout).
How does money streaming work?
Streaming protocols such as Superfluid, LlamaPay and Sablier Flow release tokens continuously, by the second, instead of in one lump sum. A recipient can withdraw what has accrued at any time, which suits payroll, contractor pay and grants. The sender needs to keep the stream funded, and the details differ from one protocol to the next.
Are these payment dApps non-custodial?
It depends on the dApp. Lightning Network, Streamflow, Superfluid, LlamaPay, Sablier and Tributary are described as non-custodial, meaning you or your smart contract hold the funds. Services such as Telcoin, Coinify and PagCrypto involve company accounts, and PagCrypto requires KYC. Read each project's terms to see who controls the funds.
What fees should I expect?
Fees vary widely. Lightning Network is built for low-fee payments and micropayments. Streaming and vesting tools usually charge network gas on the chain you choose, and some may add protocol fees. PagCrypto lists 1% to 2% plus a minimum fee, while Sprintcheckout does not publish its fees. Always check the current fee schedule before sending.
Which dApps suit DAOs and businesses?
Streamflow, Sablier Lockup and Sablier Legacy focus on vesting and locking tokens, so they suit token teams and DAOs. Tributary targets subscriptions and usage billing on Solana. Superfluid and LlamaPay suit ongoing salaries and contractor pay in stablecoins. Match the tool to the payment pattern you need and to the chain you already use.
Is it safe to use a crypto payment dApp?
Not necessarily. Some are based on token incentives, and a few have little or no published TVL, such as Telcoin at the time of writing. Smart contract risk, bridge risk and token price swings can all apply. Check for audits, read the documentation, start with a small amount, and never send more than you can afford to lose.
What is the largest payments dApp by TVL?
Lightning Network is the largest payments dApp by total value locked, with $241M. It is followed by Streamflow ($10.3M) and Superfluid ($5.38M). TVL figures come from DefiLlama and change daily.
Which payments dApp has the highest DappsAtlas score?
Sablier Lockup has the highest score at 8.0/10, ahead of Wise (8.0) and Fungies (7.8). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many payments dApps does DappsAtlas track?
DappsAtlas tracks 104 payments dApps. Of these, 104 have a full review and 14 report value locked, $263M in total.
What chains do most payments dApps run on?
Which payments dApps 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 −9.8% over the same seven days.
What is the average score for payments dApps?
The 61 rated payments dApps average 6.0 out of 10. Of these, 2 score 8 or higher and 6 score below 5.