1. What is BPN?

Better Payment Network (BPN) is a programmable payments layer built natively on BNB Chain, uniquely designed to seamlessly enable borderless, multi-stablecoin and multi-currency cross-border payments. Unlike traditional bridge-based networks, BPN operates directly with native stablecoin liquidity and utilizes both on-chain and off-chain clearing capabilities to facilitate real-world foreign exchange and global payments orchestration.

Key Features

• Programmable Payments:
  BPN supports fully programmable and automated payment flows, enabling developers and businesses to build advanced financial applications and payment solutions.

• Native Stablecoin Liquidity:
  BPN integrates with native stablecoin pools and avoids token bridging, ensuring capital efficiency and enhanced security.

• Multi-Currency Settlement:
  Instantly convert and settle between various stablecoins and fiat currencies, supporting global business and personal payment scenarios.

• Hybrid Clearing:
  BPN combines on-chain transparency with off-chain clearing capabilities to deliver fast, low-cost, and compliant international transactions.

• DeFi Transparency + Real-World Usability:
  By merging DeFi openness and programmability with the interoperability and practicality of stablecoins, BPN delivers a highly scalable and inclusive payments ecosystem.

Why BPN is Different

• No Cross-Chain Bridge Risks:
  BPN does not rely on traditional cross-chain bridges. All liquidity is native, greatly reducing attack surfaces and operational risks.

• Real-World FX & Payment Orchestration:
  With on-chain and off-chain modules, BPN supports true real-world currency conversion and payment orchestration across various business and retail use cases.

BPN Ecosystem Participants

• Payment Platforms & Merchants
• Fintech & Web3 Developers
• Stablecoin Issuers & Liquidity Providers
• Regulated Financial Institutions
• End Users & Global Consumers

About This Documentation

This documentation outlines BPN’s:

• Core architecture and technical principles
• Key use-cases and integration scenarios
• Network roles and participants
• Economic model and value flows

Whether you are a developer, integrator, or product manager, BPN provides a modular, programmable infrastructure to unlock new possibilities in global payment and settlement for the digital economy.