Paycifi – Programmable Escrow for Secure B2B Payments

Paycifi was originally developed by BE Blockchain for internal use. As a consulting and development company operating internationally, we repeatedly faced delayed payments, unpaid invoices, and unnecessary friction with otherwise legitimate business partners.

Traditional invoicing offered no real protection once work was delivered, while existing escrow solutions were either too rigid, too slow, or incompatible with modern digital workflows. We needed a way to secure payments upfront, enforce contractual terms automatically, and reduce time lost chasing invoices.

Paycifi emerged from this operational frustration. It was built as a pragmatic solution to protect cash flow, reduce payment disputes, and restore balance in B2B relationships, using programmable escrow logic rather than trust or manual follow-up.

Context

B2B transactions frequently suffer from delayed payments, disputes over delivery, and a lack of trust between parties, especially in cross-border contexts. Traditional payment rails offer limited protection once funds are transferred, while escrow solutions remain manual, slow, and costly.

Paycifi was designed to address these structural inefficiencies by introducing programmable escrow payments powered by stablecoins and smart contracts, while remaining usable, compliant, and aligned with existing legal frameworks.

Industry Challenges

B2B payment processes face several structural challenges:

• Late and unpaid invoices: Once a service is delivered, businesses have limited leverage to ensure timely payment.

• Manual follow-ups and cash flow uncertainty: Time spent chasing payments increases operational costs and affects working capital.

• Lack of conditional payment execution: Traditional payment rails do not support milestone-based or performance-based releases.

• Trust asymmetry between parties: One party often carries the financial risk, especially in international transactions.

• Escrow solutions not built for B2B: Existing escrow services target niche use cases such as software, domain, or luxury goods transactions, and do not support recurring or milestone-based B2B workflows.

These challenges highlighted the need for a payment solution that is secure, automated, and usable without blockchain expertise.

Solution

Paycifi introduces a programmable payment layer tailored for B2B use cases:

• Programmable smart escrows: Funds are locked upfront in stablecoins and released only when predefined contractual conditions are met.
• Milestone-based payments: Payments can be split and released progressively based on delivery stages or performance criteria.
• Integrated arbitration mechanism: In case of dispute, contested funds are isolated and managed through an arbitration process without blocking the entire transaction.
• Web2-like user experience: Users interact with the platform without managing private keys or gas fees, thanks to smart accounts and account abstraction.
• Fiat to stablecoin integration: Paycifi connects traditional payment methods to stablecoin rails, enabling seamless onboarding and settlement.

Key Benefits & Impacts

Paycifi delivers measurable operational and financial benefits:

Improved cash flow predictability: Funds are secured upfront, reducing payment uncertainty and delays.
Reduced operational overhead: Automated execution limits manual invoicing, follow-ups, and reconciliation.
Lower dispute impact: Arbitration mechanisms isolate disputes without freezing all funds.
Faster settlement: Stablecoin payments enable near-instant settlement compared to traditional banking rails.
Higher adoption through usability: A familiar, Web2-like interface enables rapid adoption by non-technical users. Stronger trust between parties: Programmable rules rebalance B2B relationships by reducing reliance on trust alone.

Conclusion

Paycifi demonstrates how stablecoins and smart contracts can be applied pragmatically to real B2B payment challenges. By combining programmable escrows, milestone-based payments, and a user-friendly experience, Paycifi secures transactions, reduces friction, and restores balance in professional payment relationships, without requiring businesses to become blockchain experts.

As a CFO, Paycifi is the tool we were missing to secure our cash flow and regain control over payment execution. It allows us to reduce delays, anticipate liquidity, and stop wasting time chasing invoices, while keeping full visibility on our financial commitments. Steve Vansimpsen, CFO & Co-founder, BE Blockchain

Learn more at paycifi.com or contact us to explore how Stablecoins can transform your business. Contact-us