# XPay Labs
> Self-hosted, non-custodial crypto payment infrastructure for developers. Accept stablecoin payments across TRON (TRC20), 20+ EVM chains (Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, zkSync Era, Linea, Scroll, Celo, Mantle, Gnosis, Cronos, Fantom, opBNB, Polygon zkEVM, Metis, Blast, Boba), and SUI with a single self-hosted SDK.

## Key pages
- [Docs](https://www.xpaylabs.com/docs)
- [Blog](https://www.xpaylabs.com/blog)
- [vs BitPay](https://www.xpaylabs.com/alternatives/bitpay)
- [vs Coinbase Commerce](https://www.xpaylabs.com/alternatives/coinbase-commerce)
- [vs NowPayments](https://www.xpaylabs.com/alternatives/nowpayments)
- [How to Accept Crypto Payments](https://www.xpaylabs.com/guides/how-to-accept-crypto-payments)
- [TRON Payment Gateway](https://www.xpaylabs.com/solutions/tron-payment-gateway)
- [Privacy Policy](https://www.xpaylabs.com/privacy)
- [Terms of Service](https://www.xpaylabs.com/terms)

## About
XPay Labs is a self-hosted crypto payment gateway. Merchants deploy their own private payment infrastructure via Docker, retaining full custody of all keys and funds. No third-party custodians, no processing fees — only on-chain gas costs.

### Supported Blockchains
- TRON (TRC20 USDT)
- Ethereum (ERC20)
- BNB Chain / BSC (BEP20)
- Polygon
- Arbitrum
- Optimism
- Base
- Avalanche
- zkSync Era
- Linea
- Scroll
- Celo
- Mantle
- Gnosis Chain (xDai)
- Cronos
- Fantom
- opBNB
- Polygon zkEVM
- Metis
- Blast
- Boba Network
- SUI
- More chains configurable via XPAY_EVM_RPC (any EVM-compatible network)

### Key Features
- 100% non-custodial: keys generated and stored in your own containers
- White-label: full branding control over checkout UI
- Webhook system with HMAC-signed payloads and automatic retries
- Multi-chain scanner that monitors all supported chains concurrently
- Docker Compose one-command deployment

### Infrastructure Requirements
- Minimum: 8GB RAM, 4 vCPU
- Recommended: 16GB RAM, 8 vCPU

## FAQ

### How is XPay Labs different from hosted gateways like BitPay?
XPay Labs is self-hosted and non-custodial. Hosted gateways hold merchant keys and charge per-transaction fees (BitPay 1%, Coinbase Commerce 0.8% + $25/mo). XPay Labs charges zero gateway fees — only blockchain gas costs ($0.01-$0.50 per tx). For a business processing $100,000/month, this saves $6,000-$12,000 annually.

### What blockchains does XPay Labs support?
TRON (TRC20), 20+ EVM chains (Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, zkSync Era, Linea, Scroll, Celo, Mantle, Gnosis, Cronos, Fantom, opBNB, Polygon zkEVM, Metis, Blast, Boba), and SUI. Any EVM-compatible network can be added via XPAY_EVM_RPC configuration. The multi-chain scanner monitors all networks concurrently and outputs a single standardized webhook stream.

### How fast does XPay Labs detect payments?
TRON: 1-3 seconds from mempool broadcast. EVM chains: 2-6 seconds. SUI: 1-2 seconds. Configurable block confirmation thresholds (default: 1 for TRON/SUI, 2 for EVM).

### Is XPay Labs open source?
No. XPay Labs is source-available under the XPay Enterprise License. The full codebase is published on GitHub for audit and self-deployment, but commercial use requires a license.

### What is the difference between self-hosted and non-custodial?
Self-hosted means you deploy on your own infrastructure. Non-custodial means you retain exclusive control of private keys. XPay Labs is both: you run it on your servers, and all keys are generated and stored exclusively within your Docker containers.

### Does XPay Labs support tokens beyond USDT?
Yes. Any standard TRC20 or ERC20 token can be tracked by declaring its contract address in the node configuration. This includes USDC, DAI, BUSD, FRAX, and custom tokens.

### How do XPay Labs webhooks work?
When a payment is detected on-chain, the webhook service sends an HMAC-SHA256 signed JSON payload to your configured endpoint. Failed deliveries retry with exponential backoff (1s→2s→4s→...→5min) for up to 48 hours.