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A Declaration

The payHME Manifesto

Honest Money · For the Marketplace · 2026

Every payment is a vote. When a merchant accepts a debased currency, they ratify the system that debased it. When a customer pays with honest money, they walk a small piece of the economy out from under the printing press.

payHME is the till for that economy. A merchant payment gateway built for the Honest Money Ecosystem — non-custodial, permissionless, and aimed straight at the rails that already work.

What we believe

  1. The merchant should hold the money, not us. Every payHME invoice settles to an address the merchant controls. We never touch the funds. We never freeze them. We can't.
  2. If your great-grandparents wouldn't recognize it as money, look closer. We accept Bitcoin, TEXITcoin, Ethereum, Base, Tron, and Solana — cryptographically scarce ledgers no committee can debase.
  3. Competition between currencies isn't a threat. It's the only honest way to discover what people actually trust. So we let merchants accept any of them, on one rail, for one flat price.
  4. No middleman. No chargebacks. No "risk department". Sound money doesn't need a refund counter run by strangers.
  5. The next American revolution will be quiet. It will be won the moment enough merchants and customers simply stop transacting through institutions that have failed them.

Why a gateway?

Shopify, Stripe, PayPal — every one of them is a gatekeeper that can deplatform a merchant on Tuesday for the politics they posted on Monday. Their fee is not 2.9%. Their fee is the right to exist in commerce.

"Humanity is not going to wait for permission to survive."
— Robert J. Gray, testimony before the U.S. House Subcommittee on Domestic Monetary Policy, August 2, 2012

payHME is the merchant rail that ignores them. A drop-in checkout, a webhook, an invoice — same ergonomics, none of the custodial baggage. Built on the work Bobby Gray started in 2008 with the American Open Currency Standard and continued in 2024 with TEXITcoin.

IR 1207 — for merchants

Adapted from the four-line resolution Bobby proposed to Congress in 2012:

  1. 1. Price your goods in honest units — and accept them at the till.
  2. 2. Settle to wallets you hold the keys to. Not an exchange. Not a custodian. You.
  3. 3. Keep the rails that work — cards for dollars, chain for everything else — and stop apologizing for either.
  4. 4. Do not try to compete with the Fed or with the card networks on their terms. Build on yours.

Part of the

Honest Money Ecosystem

Read the original Honest Money Manifesto · learn about TEXITcoin · explore the American Open Currency Standard