AsterPay AsterPay · ClinPay
For Research Panels · Live in production

Audit-grade payouts
for research panels

One consolidated record per study, per period. Every payment cryptographically signed, tax-compliant, GDPR-clean. Built on Invoica and AsterPay.

SEPA Instant < 10s USDC on Base, Polygon, Arbitrum, Optimism, Ethereum Non-custodial · MiCA-aligned partners EU compliant

Your CFO doesn't have a payment problem.
They have an audit problem dressed as one.

Most research organisations run finance ops like this:

Hundreds of small panellist payouts per study, across dozens of active studies
N small bank transfers reconciled against M payout obligations
Audit asks "prove HCP-A was paid for visit B on date C" — manual lookup, hours
Tax compliance scattered across jurisdictions (EU VAT in 27 countries)
Cross-border wire fees and delays eat 5 to 8 percent on micro-payouts
Panellist bank details touch your systems — GDPR exposure on every flow

How it works

A panellist finishes a study and gets paid in seconds — over the x402 payment protocol — in euros, USDC, or Bitcoin. Their bank details never touch the sponsor.

Study completed

Your panel platform fires one webhook the moment a panellist finishes.

402

x402 payment request

The open agent-payment protocol triggers the payout automatically. No invoices, no manual batch runs.

10s

Settled in seconds

Non-custodial settlement via MiCA-aligned partners. SEPA Instant under 10s, full lifecycle under 90s.

Panellist gets paid

Paid out instantly on the rail they choose:

EUR · SEPA USDC ₿ Bitcoin · Lightning

Panellists can earn in Bitcoin — paid instantly over the Lightning Network, no bank account required.

Consolidated reconciliation

One rollup per period instead of hundreds of line items. CSV plus PDF audit pack export.

Cryptographic audit trail

Prove who authorised what payment to whom, years later. No third party required.

EU VAT, jurisdiction-aware

27 EU countries. Reverse-charge for B2B, standard for B2C. Each line with statute citation. UK and US tax engines on the roadmap.

GDPR-clean anonymity

Panellist IBAN never touches your systems. Sponsor never sees panellist banking details.

Four-step lifecycle per study

1

Set up

Sponsor signs one mandate and funds one escrow. Done once per study.

~ 1 day
2

Integrate

A 10-line webhook from your panel platform. Each completion fires a payout.

~ 1 hour engineering
3

Settle

SEPA Instant payout in under 10 seconds. Full end-to-end lifecycle (mandate signing plus on-chain Deal Receipt plus SEPA) under 90 seconds.

SEPA Instant < 10s · E2E < 90s
4

Audit

Daily, weekly or monthly rollup with per-jurisdiction tax totals. CSV plus PDF audit pack.

On demand

Built on two regulated rails

Two independent layers, each accountable to its own regulator. Together they form the ClinPay stack.

Audit layer

Invoica

Agent-native invoicing and tax compliance middleware. Every payout produces a cryptographically signed mandate hash and a Deal Receipt anchored on Base mainnet. Audit-grade and regulator-defensible.

invoica.ai →
Payment rail

AsterPay

Non-custodial EU payment infrastructure routed via MiCA-aligned licensed partners. Customer funds never touch AsterPay's balance sheet. SEPA Instant for EUR, USDC on Base, Polygon, Arbitrum, Optimism and Ethereum. Panellist anonymity by design.

asterpay.io →

Compliance built in

Every claim below corresponds to a working production component or a named licensed partner. Nothing on this list is roadmap.

Non-custodial. AsterPay never holds customer funds. Settlement runs through licensed partners.
MiCA-aligned payment processing via EU-licensed VASP and EMI partners.
EU VAT (27 countries) — reverse-charge for B2B, standard for B2C, statute citations per line.
GDPR-clean panellist anonymity. IBAN isolation by design.
PACT v0.3.2 cryptographic mandate signing (Invoica).
On-chain Deal Receipt anchoring on Base mainnet.
Audit-pack export — CSV plus PDF for end-client deliverables.
Sanctions screening on every panellist payout (built into the AsterPay rail).

Ready to consolidate your panel payouts?

20-minute walkthrough. Bring your highest-volume study — we'll show you the audit pack it would have generated.