DAI is the original decentralized dollar – overcollateralized, on-chain, and used across DeFi for nearly a decade. 0xProcessing operates as a DAI payment gateway built for merchants who want stablecoin predictability without a card network or correspondent bank in the loop. Settle every invoice in the coin and convert it into USDT/USDC.
The customer selects DAI
The customer picks funds at checkout.
Window generated
A payment window opens with the exact DAI amount and a unique address.
The customer sends funds
The customer sends the funds from any supported network.
Receive funds instantly
The transaction confirms on-chain, and the funds land in your merchant balance within seconds.
Usually trades within basis points of $1.00, held by overcollateralization rather than fiat reserves. Quickly restored peg after the March 2023 USDC depeg.
Around $5.3 billion market cap as of May 2026, third-largest stablecoin overall. Pioneered the decentralized-dollar category.
The Dai Savings Rate currently pays approximately 8% annualized to holders, which keeps coin moving in DeFi and across exchanges.
DAI is overcollateralized by ETH, wBTC, stETH, and a growing share of real-world assets governed on-chain by Sky Protocol.
Available on Ethereum, Arbitrum, Optimism, Polygon, Base, and BNB Chain.
Fast and reliable finality on Ethereum and major L2s – from a few seconds on Base and Arbitrum to minutes on Ethereum.
Swap to other stablecoins
Auto-convert to USDT or USDC at the moment of settlement.
Crypto exchange
Crypto exchange across 85+ assets in one dashboard.
Batch payouts
Mass Payouts in the token for affiliate and contractor settlements.
Fast settlement
Fast settlement direct to your merchant balance.
API integration for a custom checkout
Payment links for invoices and B2B settlement
Mass Payouts for affiliate and contributor programs
This is payment is a transfer of the stablecoin from a buyer's wallet to settle an invoice. DAI is a smart-contract stablecoin: every unit in circulation is backed by collateral locked in vaults on Sky Protocol (formerly MakerDAO), with the peg maintained algorithmically and through governance.
For merchants, this gives you all the upside of stablecoin settlement – no chargebacks, no card declines, instant on-chain transfer – without exposure to a single bank issuer. If the customer's country has trouble with USDC or USDT for whatever reason, the coin usually still works.
Launched December 18, 2017, upgraded to Multi-Collateral DAI in November 2019.
Pegged 1:1 to the US dollar through overcollateralized vaults.
Backed by a mix of crypto collateral and tokenized real-world assets, which now make up a significant share of the protocol's collateral and revenue.
Available on Ethereum, Arbitrum, Optimism, Polygon, Base, and BNB Chain.
Market cap around $5.3 billion as of May 2026, ranking as the 3rd-largest stablecoin overall.
MakerDAO rebranded to Sky Protocol in September 2024; by May 2026 the protocol is actively migrating DAI to USDS, though the original contract still operates on Ethereum and major L2s.
Key features
Why merchants run DAI checkout through 0xProcessing:
No geographic restrictions and lightning-fast payment processing.
Modern technical solutions to bypass potential threats and guarantee the reliability of financial transactions.
Customizable white-label payment forms.
Accepts a wide range of payment methods and cryptocurrencies.
Fees are charged only when depositing funds.
Start receiving payments quickly with a simple API connection.
What our clients say:
“Our store's USDT payment integration was a breeze using 0xProcessing. The assistance was top-notch, and everything went off without a hitch. Our confidence in the safety of our financial dealings has grown.”
Olga M.
E-commerce manager
What our clients say:
“Thanks to our partnership with 0xProcessing, we can now provide our global consumers with rapid, fee-free Ethereum transactions.”
Thomas J.
Operations Manager
What our clients say:
“The USDC solution from 0xProcessing has drastically cut down on our transaction expenses while also streamlining our payment process. Strongly suggested for any company considering accepting cryptocurrency payments.”
Sarah L.
CFO
What our clients say:
“It was a great decision to use 0xProcessing for payment processing in GameFi projects. Both the API's simplicity and the speed with which transactions are processed are noteworthy. Our productivity has skyrocketed thanks to this.”
Alex K.
Game developer
E-commerce and other enterprises may start 0xProcessing with these steps:
1
Sign Up
2
Confirm the information
3
Get onboarding
4
Add the DAI payment button to your website.
85+ currencies
Accept payments in other cryptocurrencies
Yes, in most jurisdictions. The coin is valued for its on-chain transparency and overcollateralization, which makes it relatively straightforward from a compliance standpoint. We handle KYB and run real-time AML on every transaction.
Most merchants go live within a week. Payment links can go live the same day.
Yes, for payments. As of May 2026, Sky Protocol is migrating DAI to its successor, USDS. Coinbase delisted coin trading on May 4, 2026, and Binance ran an automatic backend conversion of DAI balances to USDS, so the coin no longer trades on those exchanges. But its contract keeps running on Ethereum and most L2s, and it stays active across DeFi and merchant infrastructure. That means accepting it through 0xProcessing remains fully available, with auto-conversion to USDT or USDC at settlement, removing any liquidity concern on the merchant side.
At 0xProcessing, a single processing fee is applied to completed transactions. 0% on payouts. No setup or maintenance fees.
Ethereum is the default. We also support DAI on Arbitrum, Optimism, Polygon, Base, and BNB Chain. Other networks can be added on request.
USDC is issued by Circle and backed by a bank deposit reserve. DAI is issued through smart contracts and backed by on-chain collateral. For merchants who want decentralized dollar settlement without banking counterparty risk, the second one fills that role.
Yes. Through the dashboard or the API, you trigger a refund to the original sending address. Because crypto payments are final on-chain, the refund is a separate outbound transaction, not a reversal – your accounting needs to handle it as such.
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