Pangea Protocol

Trusted by design, not by policy.

Pangea Protocol is the identity and settlement layer beneath every PayPangea transaction. Purpose-built for regulated financial flows.

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What it does

The settlement layer for
regulated payments.

Identity anchored on-chain

Every participant is KYC-verified before they transact. Pangea Protocol anchors that verified identity to the blockchain, making it reusable and portable across institutions.

Tamper-evident transactions

Every transaction gets a SHA-256 hash written to an immutable ledger. Any modification — however small — is instantly detectable by any party.

Cross-institution audit trail

Banks, regulators, and compliance teams share a single source of truth. Full transaction history is available on demand, without bilateral data requests.

Token-incentivised adoption

Network participants earn token incentives for adoption, usage, and governance. Rewards align every stakeholder toward growing the ecosystem.

Privacy first

Your data stays yours.

No personal data on-chain

Raw personal information never touches the blockchain. Only encrypted references, zero-knowledge proofs, and cryptographic hashes are recorded — enough to verify, never enough to expose.

Banks hold their own keys

Each institution maintains sole custody of its encryption keys. PayPangea cannot access, decrypt, or reconstruct customer data — by architecture, not by policy.

Developer reference

Build on Pangea.

Wallet creation and payment in a few lines. Full REST API, webhooks, and SDKs for Python, Node.js, and Go.

// 1. Create a verified wallet
const wallet = await pangea.wallets.create({
  owner: "usr_8f2a1b3c",
  currency: "USD",
  kyc_level: "verified"
});

// 2. Send a cross-border payment
const payment = await pangea.payments.send({
  from: wallet.id,
  to: "wal_9d4e5f6a",
  amount: 250.00,
  currency: "EUR",
  memo: "Invoice #1042"
});

// 3. Verify the on-chain hash
const proof = await pangea.verify(payment.tx_hash);
console.log(proof.sha256);
// → "a1b2c3d4e5f6...tamper-evident hash"
Read the full docs

Ready to integrate?

Whether you're building a payment product from scratch or adding blockchain settlement to an existing platform — our team can walk you through it.