About PayNotes
PayNotes are programmable payment agreements that create verifiable commitments between payers, payees, and guarantors. They bring transparency, automation, and conditional logic to financial transactions—whether you're a bank enabling account-to-account transfers or a processor preventing chargebacks.
Choose Your Next Step
Tailored guidance for business decision-makers, technical teams, and strategists evaluating PayNotes.
Talk to Our Team
For banks, processors, and marketplaces
Discuss how PayNotes can reduce disputes, create new revenue streams, and enable AI commerce. We'll help scope a pilot tailored to your institution.
Explore the Technology
For developers and technical teams
Review the PayNote specification, integration patterns, and reference implementations. See how PayNotes integrate with your existing rails.
Ecosystem
For the curious and strategic thinkers
PayNotes are built on Blue, an open protocol for verifiable digital agreements. This site focuses on financial institution implementations via MyOS.
Built by Blue Language Labs
PayNotes Expertise
The Blue team is launching production PayNote deployments with banks, processors, and marketplaces across multiple regions.
Focus on Regulated Providers
Everything here is built for institutions integrating conditional payment capabilities while preserving compliance, risk, and operational controls.
Created by the team behind the Blue protocol and MyOS.