Scams end in a transfer. AegisPay is a risk-gating layer that evaluates the conversation context before the user confirms a payment — built into AegisTalk.
Users see a simple in-app stable balance (1 unit = 1 USDC). Funds live in the user's own ERC-4337 smart-contract wallet holding on-chain USDC. Signing keys are derived from the user's AegisID identity — AegisRD has no ability, at any time, to move customer funds.
Fiat deposits and withdrawals are executed by regulated on/off-ramp service providers directly with the end user — including their KYC process. AegisRD does not provide exchange, custody, or issuance services.
We see the risk of a transaction, never the identity of the fiat customer. Risk and identity are separated by design — a privacy guarantee and a compliance boundary.
Transfers happen inside chats. AegisPay reuses AegisTalk's three-layer AI (L1/L2/L3) to score the scam risk of the surrounding conversation — high-risk payments enter a cooling-off delay and can be cancelled with one tap.
Payment request codes carry cryptographic signatures — forged codes simply fail verification.
Payees are bound to AegisID biometric feature vectors — you pay the verified person, not a lookalike account.
A tiered flat fee (0.05 / 0.10 / 0.30 / 1.00 USDC per transaction) charged to the payer only. No percentage cut.