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Open-source, modular payment infrastructure built around Bitcoin- and stablecoin-based settlement, designed to enable more frictionless integration and payment flows across markets and rails. It uses BTCPay Server as the backend, an Aqua Wallet fork for self-custodial settlement, and is primarily built with Nuxt and Nitro.

P2Pagos combines multiple entry rails — local fiat, cards, P2P, and crypto — with on-chain settlement in Bitcoin, USDT on Polygon, or other stablecoins on Liquid.

It is designed for users and businesses that need simpler access to self-custodial, cross-border payment flows, including in markets where traditional payment access is limited.

P2Pagos is designed around a few practical choices:

• Self-custodial by default
• Agnostic in practice — the usable rail and settlements for best conversion path matter more than ideology
• Multi-rail — different markets need different ways to pay
• Modular — rails and flows can be enabled or left out depending on the use case
• Open source — the public components remain MIT licensed, with long-term maintenance and development supported by revenue from the paid closed-source offering

If a rail does not already settle into an asset supported by the Aqua wallet fork, P2Pagos aims to convert further into the supported asset that is cheapest and most functional for that case.

flowchart LR

  subgraph walletWrap["/wallet"]
    walletPlatform["(iOS & Android)"]
    seedMono["seed phrase"]
    seedMarket["seed phrase"]
    seedTeam["seed phrase / xpub"]
  end

  mono["/mono"]
  monoBtcpay["BTCPay Server"]

  subgraph docker["Docker"]
    marketplace["/marketplace"]
    marketBtcpay["BTCPay Server"]
  end

  team["/team"]
  otherWallet["/wallet"]

  builtMarket["built on"]
  builtTeam["built on"]

  seedMono --> mono
  seedMarket --> marketplace
  seedTeam -.-> team

  otherWallet --> marketplace

  mono --> monoBtcpay
  marketplace --> marketBtcpay

  marketplace -.-> builtMarket
  builtMarket -.-> mono

  team -.-> builtTeam
  builtTeam -.-> mono

  style team stroke-dasharray: 6 6
  style builtMarket fill:transparent,stroke:transparent,color:#999
  style builtTeam fill:transparent,stroke:transparent,color:#999
  style walletPlatform fill:transparent,stroke:transparent,color:#999

  click otherWallet "https://github.com/P2Pagos/wallet" "_blank"
  click mono "https://github.com/P2Pagos/mono" "_blank"

Single user orchestrator MIT repository. It assembles rails, flows, and supporting services in one workspace. Active development is currently centered here.

A MIT fork of the Aqua Flutter Wallet for P2Pagos, with an embedded Nuxt app to manage /mono settings and connect to BTCPay via the Shamrock protocol.

Nuxt-based MIT app, intended to handle payment flows through an embedded interface in the /wallet Flutter app.

Closed-source repository for multi-user marketplace integrations of the /mono repo.

P2Pagos is aimed at cases where standard payment stacks are too limited, too fragile, or too dependent on a single provider.

Typical use cases include:

• cross-border businesses
• merchants that want crypto settlement with broader payment reach
• users in emerging markets
• high-risk but lawful businesses
• builders who want modular, self-hostable payment infrastructure
• Bitcoiners and crypto enthusiasts

It is not meant to be presented as a universal fit for every merchant.

P2Pagos is still evolving. Some components exist as working integrations, others are partial, experimental, or still being assembled into the main orchestrator.

The repositories should be read as active infrastructure work, not as a finished product suite.

• GitHub Discussions
• Telegram Group
• p2pagos@p2pay.to with optional PGP A1786A2CF6C5B65FDB4519F17E425F745D4EE866