Social Login. Embedded Wallet.

Every stablecoin checkout makes the customer solve a crypto problem before they can pay, and each version of that problem costs the merchant revenue. Custodial processors ask the customer to register and verify an account with the processor before depositing, which most casual buyers abandon. Raw address checkout is worse: the page shows an 0x address and a QR code, and the customer has to pick the right token on the right network themselves. One wrong-chain send and the funds are gone permanently, with the support ticket landing on the merchant. The merchant side mirrors the friction: separate deposit addresses per chain, address rotation, and a checkout that silently filters out every customer who does not already run MetaMask. That last group is the expensive one. In high-risk verticals the crypto-curious segment is large and growing, but a checkout that assumes an existing self-custody wallet turns those customers away at the exact moment they tried to pay. And when a customer does manage their own keys badly, a lost seed phrase means lost funds and a lost repeat buyer.

PYMSTR uses Web3Auth to offer 7 login options: Google, Email, SMS, and Apple for customers without a wallet, plus MetaMask, WalletConnect, and Coinbase Wallet for customers who already have one. A social sign-in creates an embedded wallet on the spot. The keys are managed as MPC/TSS key shares through Web3Auth, which means there is no seed phrase to write down, and PYMSTR never holds or sees the keys: the architecture stays non-custodial end to end. The customer's smart-wallet address is immutable once set, which blocks account-takeover swaps, and access is recovered by re-authenticating with the same provider, so a lost device does not mean lost funds. The embedded wallet also does enforcement work: it only exposes the stablecoins and chains the merchant has approved for that payment, so wrong-chain and wrong-token errors are impossible by construction rather than by warning text. The net effect is a checkout that feels like signing into any web account, settles on-chain like any self-custody payment, and converts the customers that an 0x-address checkout silently loses.