Start with what matters.
Name a project or payment plan. Add team and contractor commitments, then choose a reserve percentage.
✳ Payment planning for growing businesses
Every payment.
A clearer
business plan.
Organise team payouts, build reserves, and see your available working capital. One plan for every business payment.
Explore on NEAR testnet. No real-money deposits.
↙Every payment.
A clear allocation.Example
A clear allocation.Example
$10,000.00 USDC
Team commitments$6,000.00
Business reserve$400.00
Working capital$3,600.00
10% reserved after team commitments are covered.
✓
Commitments covered.Reserves set aside. Capital clear.
For medium-sized businesses.
And the teams behind them.
And the teams behind them.
Agencies ✳ Contractors ✳ Service companies
For agencies, service companies, contractors, and production businesses managing project payments. Larger organisations and creators can use the same flow. This testnet prototype uses wallet approvals; business roles, multiple approvers, and accounting integrations are future work.
Clear commitments. Stronger reserves.
Get to know PromisePay →Simple on purpose.
Keep everyone in the picture.
Recipients review and accept. Payments allocate their outstanding commitments before the business remainder.
Build a business reserve.
A chosen percentage of the business remainder goes into a separate reserve. The rest stays available to withdraw.
One less thing to think about
A clearer picture.
Your payouts, reserves, and available working capital.
↗
Your workspace is ready for you.
Connect your wallet to see your real testnet balances and plans.
Available working capital
—USDC · Available to withdraw
Business reserve
—USDC · Reserved from your remainderView savings →
Connect your wallet to load balances.
Built around your projects
View all plans →Your plans
The people. The promises. The plan.
My plans.
Choose a plan by name. We’ll take care of the details.
Your payment plans
Reserves for your next business move
Your business reserve.
Funds reserved from your remainder, kept separate from available working capital.
Your reserve balance—USDC on NEAR testnet
Build reserves when payments arrive.
Create a reserve-only plan or add team commitments. Each payment through the plan sets aside your chosen percentage after outstanding commitments are covered.
A clear note on interest.
Savings held here do not earn interest. You can choose to lend them through RHEA below. Lending has protocol and liquidity risks; rates can change.
An optional next step · RHEA lending
Optional lending for your reserves.
Supply test USDC from your own wallet. Your lending position belongs to you.
Supplied to RHEA—
Variable annual rate (APR)—
Connect your wallet to check RHEA.
Connection details
First move savings to your wallet, then approve the RHEA deposit. Cancel after the first step and your funds stay in your wallet. RHEA withdrawals return to your wallet and depend on available liquidity. This balance includes any USDC supplied to this RHEA market outside PromisePay. No borrowing or collateral is enabled by this flow.
About RHEA and lending risks ↗Every step, a little clearer
Your activity.
Recent actions from this browser, with simple summaries and transaction links.
This is a local activity list for this wallet and network, not a complete blockchain history.
No guesswork required
A plan you can follow.
Three simple steps. Your wallet stays in your hands.
Name your plan.
Choose a reserve-only plan or a team payout plan. Add recipients with their wallet address and the USDC amount they are owed.
Get everyone on board.
Teammates connect their wallet and see an invitation in My plans. They review and accept before payments can be added.
Add a payment.
For example, enter $10,000 in test USDC. With $6,000 owed to recipients and a 10% reserve rate, $400 is reserved and $3,600 remains available. Review before approving.
A few helpful answers.
Can I withdraw my money?
Yes. Choose Withdraw from your available balance or savings, enter an amount, and approve it in your wallet. The funds are sent to that connected account.
Does this work with every wallet transfer?
Currently, savings apply only to payments you add through a PromisePay plan. PromisePay does not monitor or deduct from unrelated wallet transfers.
Do I need to know an agreement number?
No. Your plans and invitations appear automatically after connecting. Select the plan by its name.
What does testnet mean?
This version uses test NEAR and test USDC. They are for testing and have no real-money value. You need some test NEAR for transaction fees; creating a plan also uses 0.1 test NEAR for storage.
Does my savings balance earn interest?
Savings held in PromisePay do not earn interest. On the Savings page you can choose RHEA lending: withdraw savings to your wallet, then approve a separate deposit. Supplied funds and variable rates are shown separately.
A quick look. No wallet needed.
See your money find its place.
A simulation to help you get familiar. No tokens move.
An example business allocation
One payment.
Payouts. Reserves. Capital.
Example calculation only. No interest is included.