Havven is developing a decentralized payment network based on stablecoins. It is designed to enable cryptocurrency to be used for every day purchases. Havven's payment network is based on a dual token system that reduces price volatility for the stablecoins that will be used to make payments. The fees from transactions within the system are used to collateralise the network. The collateral is secured by the blockchain, enabling the creation of a new asset-backed stablecoin, nomin tokens. Each transaction will generate fees that are paid to HAV token holders. The company launched nUSD, a USD-pegged cryptocurrency, and has plans to create other stablecoins that will be pegged to other fiat currencies, including: nEUR, nJPY, nAUD, and nKRW.

Crypto.com Chain is a decentralized mobile cryptocurrency payment solution built on the Ethereum blockchain. Crytpo.com previously issued a consumer focused payment card that is powered by the Ethereum-based MCO token. The Crypto.com Chain was created to replace traditional financial networks that do not accommodate cryptocurrency payments. Their native crypto network is designed to increase merchants’ ability to accept crypto as a form of payment.

Obyte, previously known as Byteball, is a conditional payment network that is built on scalable technology, and is enabled by smart contracts. It also allows users to create their own ICO and issue their own digital assets. Conditional smart payments can be used for a variety of decentralized applications, including: insurance, betting, and prediction markets. Obyte's platform is smart contract enabled and allows users to control their identity better than some other payment systems. Obyte also allows users to make transactions through text messages or with a chat bot. Obyte's transaction data is stored and ordered using directed acyclic graph (DAG) rather than blockchain. This allows all users to secure each other's data by referencing earlier data units created by other users, and also removes scalability limits common for blockchains.