Ripple's product director Craig DeWitt announced a personal project: Payburner, a peer-to-peer payment platform built on XRP. The non-custodial wallet lets users move money across borders without inte
Ripple's product director Craig DeWitt announced a personal project: Payburner, a peer-to-peer payment platform built on XRP. The non-custodial wallet lets users move money across borders without intermediaries.
DeWitt described the launch in a statement: "We're […] excited to launch PayID, Request for Payment and PayID network search." The service targets online merchants and shoppers seeking simpler payment infrastructure.
Users download a plugin from Payburner's website. The browser extension works on Chrome and Brave. To activate an account, you seed it with some XRP, like any wallet on the network.
The platform centers on PayID, a unique identifier assigned to each user. Any wallet supporting PayID can send to and receive from other PayID accounts. A Request for Payment feature lets users ask one another for money through their PayID. The feature only works between Payburner users for now, though the company plans to expand it to customers of other wallets.
Payburner integrates with online stores through Paybuttons, enabling one-click checkout. The sites xSongs.store and Spud.store demonstrate the feature in action.
Merchants pay 1% on each XRP transaction. Peer-to-peer payments and payment requests carry no fee. The company won't move funds without explicit merchant approval.
Setup takes 20 minutes and requires no banking details or merchant account registration. That speed matters for young companies seeking to bypass the complexity of traditional payment processors.
Crypto adoption moves slowly because newcomers encounter steep learning curves. A wallet that hides complexity might change how retailers and new users approach crypto transactions. When accepting crypto becomes as easy as accepting cards, retailers could embrace it. New users might experiment with transactions too.
Payburner shows how cryptocurrency could become a normal payment method.
