# OwnPay — Complete Merchant & Commercial Knowledge Graph (llms-full.txt)
> Version: 1.0.0 | Canonical URL: https://ownpaylab.tech | Developer Platform: https://ownpaylab.dev

## 1. Overview & Business Model
OwnPay is unified non-custodial payment infrastructure for merchants, e-commerce, SaaS, and autonomous AI agents built on Base (Chain ID 8453).
- Settlement Currency: Native Base USDC (sub-cent fees, <2s finality)
- Localized Fiat Conversions: BDT, USD, EUR, INR, GBP converted to exact onchain USDC amount
- Fee Model: Pure Pay-As-You-Go. $0 monthly or annual subscription fee.
  - Starter Tier: 0.25% (25 basis points)
  - Verified Tier: 0.10% (10 basis points)
  - Enterprise Tier: 0.05% (5 basis points)

## 2. Merchant Solutions
- Hosted Payment Links (/pay): Shareable payment permalinks with QR code and mobile checkout.
- Point of Sale Terminal (/pos): In-store retail checkout with instant transaction verification.
- Merchant Portal (/merchant): Real-time analytics, settlement allocation, and API key management.
- Double-Entry Ledger: Mathematical verification ensuring exact gross amount, fee, and net settlement.

## 3. Security Hardening
- Non-Custodial: OwnPay never takes custody of merchant private keys or funds.
- 15-Point Onchain Verification: Amount, recipient, token contract, block confirmations, and sender checks.
- Webhook Replay Protection: HMAC-SHA256 signatures with millisecond timestamp validation.
- Responsible Disclosure: Dedicated security reporting at security@ownpaylab.tech.

## 4. Official Contacts
- Partnerships: partnerships@ownpaylab.tech
- Merchant Support: support@ownpaylab.tech
- Security: security@ownpaylab.tech
- Legal: legal@ownpaylab.tech
- Privacy: privacy@ownpaylab.tech