XAUT is backed by gold, not by a dollar

Accept XAUT payments on Ethereum

XAUT is a gold-backed real-world asset. It is not a stablecoin. Paymos accepts XAUT on Ethereum mainnet only; other XAUT routes are not part of the current payment catalog.

The merchant enables Ethereum and XAUT for a project. At checkout, the customer sends XAUT from a compatible Ethereum wallet. Paymos assigns a dedicated deterministic address to the invoice, monitors Ethereum, applies the relevant confirmation policy and updates the payment status.

This page owns the product question: how Paymos accepts and settles XAUT. For the four supported dollar stablecoins, start with the tokens hub. For a comparison between USDT, USDC and DAI, use the stablecoin comparison guide.

When should a business enable XAUT?

Enable XAUT when customers already hold it on Ethereum and want to use it for invoices. Unlike USDT, USDC, USD1 and DAI, XAUT is a separate gold-backed asset. A merchant should therefore account for it as XAUT rather than describe it as a dollar stablecoin.

The practical decision depends on customer demand, wallet support, current Ethereum conditions and the payer's network fee. Paymos does not publish one permanent gas amount for XAUT because blockchain costs vary over time. The customer's wallet calculates and pays the network fee required to send the transaction.

XAUT on TON or another network is not a supported Paymos payment route. The payer should use only Ethereum when XAUT is selected for a Paymos invoice.

XAUT remains XAUT after settlement

Paymos holds the merchant balance per asset. A confirmed XAUT payment contributes to the merchant's XAUT balance, and the merchant chooses an available payout route for XAUT when creating a withdrawal.

Paymos settles in the accepted asset:

• XAUT remains XAUT;
• there is no automatic conversion to USDT, USDC, fiat, BTC or ETH;
• there is no separate Paymos conversion fee and no markup hidden in the rate;
• Paymos does not provide a bank-account off-ramp.

When the route is available, withdrawal goes to a merchant-controlled Ethereum address from the withdrawal whitelist. The applicable minimum and network fee are shown for the selected payout route.

What does accepting XAUT cost?

A gold-backed asset is priced exactly like the four dollar stablecoins:

Plan	Processing fee
Standard	1.0% per settled invoice
Enterprise	0.3% on request

There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. An unpaid, expired or cancelled invoice has no Paymos processing fee.

The payer's wallet pays the Ethereum network fee required to send XAUT. Paymos covers the network cost of accepting and consolidating the payment. Paymos takes no processing commission on withdrawal; a withdrawal can include a network fee paid in XAUT, shown for the payout route before you confirm and priced below what the route itself costs. See pricing for the complete fee model.

XAUT integration options

XAUT can be enabled through the standard Paymos integration surfaces:

• Hosted Checkout for a Paymos-hosted payment page.
• Embedded Checkout for an iframe inside a website.
• Payment Links for sending an invoice without checkout development.
• Low-Code SDK for a browser integration.
• POS Terminal for browser-based in-person collection.
• Host-to-Host REST API for a server-controlled flow.
• Official CMS plugins for supported commerce platforms.

Sandbox and Production use separate credentials with the same API surface. Merchant API requests use HMAC-SHA256 authentication. Follow the quick-start guide, then enable Ethereum and XAUT in the project configuration.

How does an XAUT payment work?

1. The merchant creates an invoice or opens a configured checkout flow.
2. The payer selects XAUT on Ethereum.
3. Paymos allocates a dedicated invoice address and displays the final payment amount.
4. The payer sends XAUT and pays the Ethereum fee charged by the wallet.
5. Paymos detects the transfer and tracks confirmation.
6. After the applicable finality threshold, the invoice settles and the XAUT balance updates.
7. The merchant receives status changes through the API and authenticated webhooks.

Confirmation policy depends on the network and payment amount. Observed timing also depends on current Ethereum conditions, so Paymos does not promise one fixed confirmation time for every XAUT payment.

Security and payment notifications

Outgoing Paymos transactions are signed on isolated infrastructure. Withdrawals can go only to destination addresses that were added to the merchant's whitelist.

Webhook requests use timestamped HMAC-SHA256 authentication in the X-Webhook-Signature header. Failed events can be replayed manually, and up to ten webhook endpoints can be configured per merchant environment. Read webhook verification before treating a payment event as trusted.

Frequently asked questions

Is XAUT a stablecoin?

No. XAUT is a gold-backed real-world asset. Paymos lists it separately from the four supported dollar stablecoins: USDT, USDC, USD1 and DAI.

Which XAUT networks does Paymos support?

Paymos accepts XAUT on Ethereum mainnet only.

Does Paymos convert XAUT to a stablecoin?

No. XAUT remains XAUT in the merchant balance. Paymos does not force conversion to USDT, USDC or another intermediary asset.

How much does accepting XAUT cost?

Standard processing is 1.0% per settled invoice. Enterprise processing is 0.3% on request. There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. The payer's wallet pays the Ethereum network fee for sending XAUT.

How long does an XAUT payment take to confirm?

There is no universal fixed time. Confirmation policy depends on the payment amount, while observed timing depends on current Ethereum conditions.

Can a settled XAUT payment be reversed?

A payment that has reached blockchain finality cannot be reversed through a card-scheme chargeback. A merchant refund is a new outbound blockchain transaction, not a reversal of the original transfer.