# HOT PAY

### Key Features

* **Accept crypto from 30+ chains**
* **Users pay with any token**
* **You receive one token of choice**
* **Non-custodial, on-chain settlement**
* **No platform fees**
* **No KYC required**
* **API, webhooks and query params for instant setup** 
* **All you need to start is a crypto wallet!**

{% hint style="warning" %}
HOT PAY is **not a money transmission or custodial service;** all transactions are executed directly on-chain between the user and the merchant via smart contracts, without intermediaries.\
\
The platform is fully open source, does not control or hold funds, cannot freeze or block on-chain assets, and is built on top of NEAR OmniBridge and NEAR Intents, with no responsibility for third-party misuse.
{% endhint %}

<figure><img src="https://2106843801-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FskGFxeUNarVcGGepxsTW%2Fuploads%2Fm9FQQCrCwXjngsEKkpHC%2Fimage.png?alt=media&#x26;token=bef0780b-8e6f-454c-948b-a29669b15823" alt=""><figcaption></figcaption></figure>