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OP Open Payment Address Protocol
Local-first with no tracking

Multi-currency · Multi-rail

One receiver, five currencies, three rails

A global receiver publishes every acceptable settlement route behind one stable OPID. The payer chooses a compatible currency and rail; the receiver does not need a different public identity for each account or wallet.

Published receiver options

Methods are ordered by the receiver’s preference. A payer filters this list by currency, handler support and its own authenticated asset registry before presenting an executable choice.

CurrencyRailPublished handler
EUR Bank transfer Synthetic demo IBAN
EUR Monerium test wallet Digital-euro test payment
GBP Monerium test wallet Digital-pound test payment
USD Monerium test wallet Digital-dollar test payment
ISK Monerium test wallet Digital-króna test payment
XBT Bitcoin wallet On-chain Bitcoin extension
Try the multi-currency receiver

Want one for your own work? Open the payment-file generator.

The file you put online

The associated OPID record is published at https://openpaymentaddress.org/.well-known/open-payment/record/L2V4YW1wbGVzL211bHRpLWN1cnJlbmN5

This is the actual payment file for this example. A payment app reads it to find out what the address means; people do not have to understand or edit the code. 

{
  "version": 1,
  "id": "https://openpaymentaddress.org/examples/multi-currency",
  "name": "Global multi-currency receiver demonstration",
  "payment": {
    "type": "direct",
    "methods": [
      {
        "type": "sepa",
        "currency": "EUR",
        "name": "OPAP global receiver demonstration",
        "iban": "NL96TEST0000000000"
      },
      {
        "type": "erc20",
        "currency": "EUR",
        "chain": "eip155:10200",
        "asset": "0x7a47605930002CC2Cd2c3c408D1F33fc2a18aB71",
        "recipient": "0x70997970C51812dc3A010C7d01b50e0d17dc79C8",
        "symbol": "EURe"
      },
      {
        "type": "erc20",
        "currency": "GBP",
        "chain": "eip155:10200",
        "asset": "0x436AF2954BB436b6821Ab401112092e14CDBd546",
        "recipient": "0x70997970C51812dc3A010C7d01b50e0d17dc79C8",
        "symbol": "GBPe"
      },
      {
        "type": "erc20",
        "currency": "USD",
        "chain": "eip155:10200",
        "asset": "0x8bf987c9d041176758FE9C1180885bD4DA011a5a",
        "recipient": "0x70997970C51812dc3A010C7d01b50e0d17dc79C8",
        "symbol": "USDe"
      },
      {
        "type": "erc20",
        "currency": "ISK",
        "chain": "eip155:10200",
        "asset": "0x7e8E03b84EaCb1798493145Cc4aB9b562563456c",
        "recipient": "0x70997970C51812dc3A010C7d01b50e0d17dc79C8",
        "symbol": "ISKe"
      },
      {
        "type": "org.openpaymentaddress/bitcoin-onchain-v1",
        "currency": "XBT",
        "data": {
          "address": "3E6vzgEK1VGHpNu9UE89Gjjgqd2ftexvzi"
        }
      }
    ]
  }
}
Open the actual JSON file