Co-founder of @papaya_fi - products for moving money
Bali, Indonesia
Joined April 2023
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Most banks think "stablecoins" means launching a branded coin or app.
Wrong question.
The right one: which existing payment flow is already expensive, slow, or a reconciliation headache?
New interview with Financial Tech Times on why payment infra — not the visible stuff — is where the value is: financialtechtimes.com/serge…
Recurring payments are the missing piece for most onchain businesses. Glad to see Papaya in the Base Builder Stack. If you're building on Base and want to bill in USDC, my DMs are open.
Papaya is now listed in the Base Builder Stack 🔵
If you're building on Base and need recurring payments, Papaya lets your app charge in USDC, non-custodial:
• per-second streaming that stops the moment a user cancels
• periodic payments: weekly, monthly, yearly or any custom period
Free integration support for @base builders: SDK and widget setup plus an onboarding call.
👉 docs.base.org/get-started/bu…
Shipped Papaya on @arc. Subscriptions and pay-as-you-go in USDC, and users pay network fees in USDC too, no extra gas token needed.
4-min walkthrough below 👇
Heading to TOKEN2049 Singapore next week 🇸🇬
The biggest crypto gathering in Asia — the right room to be in.
Building recurring stablecoin payment infrastructure at @papaya_fi. If you're working on payments, wallets, or stablecoins — let's grab coffee.
Oct 7-8 · Marina Bay Sands. DM me.
Good to see subscriptions and agent micropayments shipping across the industry. That's the volume we've been building for.
1/
September made recurring stablecoin payments the category everyone is shipping.
@0xPolygon launched subscriptions on OMS. @circle took Arc to mainnet for the agent economy. @stripe and @tempo already have subscriptions in @mpp.
Recurring is the next rail. 🧵
New in The Silicon Review.
The stablecoin contest is not speed or licences. It is who the rules still allow to pay the yield.
GENIUS bars issuers. It leaves room for the distributor. MiCA does not. Yield is what turns a payment token into a balance people leave in place, and whoever pays it holds the customer.
thesiliconreview.com/2026/09…
that’s cool
Excited to share that we have joined the @Circle Alliance Program, a global community of teams focused on bringing the world on-chain, powered by USDC!
Onramp friction has always been the silent killer of DCA adoption. Glad this is solved now.
.@papaya_fi has integrated Mercuryo, so their users can now go from fiat to crypto within minutes and explore various DCA strategies right away.
Now, we power a simpler route from fiat funding to Papaya’s DCA tools.
stablecoins already won.
but as a settlement layer, not a retail payment method.
my take from the @mpost_io panel at HSC Ho Chi Minh:
every rail starts with one-off transfers.
recurring is the hard part — and where the real volume lives 👇
mpost.io/regulatory-rails-an…
in Bali for @coinfestasia 🌴
around the payments + infra sessions and the WalletConnect Pay pop-up. building recurring stablecoin payment rails at @papaya_fi.
if you're here, lmk. let's meet.
gm from Bali ☀️
We're at @coinfestasia this week, Aug 20-21.
Building the settlement layer for recurring stablecoin payments. If you're here and care about payments infra, come say hi.
@s19kravtsov is on the ground all week 👇
Sergey Kravtsov retweeted
Papaya heads to Vietnam 🇻🇳
@s19kravtsov and @oyaboonx are in Da Nang for Business, Finance & Technology Week (July 7–12).
Sergey speaks at the flagship Vietnam Financial Forum on recurring stablecoin payments — the core infrastructure for the stablecoin economy.
July 9–10 · Ariyana Convention Centre, Da Nang
#Papaya #Stablecoins #VietnamFinTech
My talk from Blockchain Community Day is online.
I won’t sell you a product — I’ll show you a problem and a way of thinking that solves it.
Crypto subscriptions hit four walls: push vs pull, dangerous approvals, linear gas, and custody.
The fix isn’t a payment feature. It’s the right algorithm. Recurring payments are the mirror of lending — same O(1) accumulator, just flipped from one-to-many into many-to-one.
youtu.be/Zc_f5mNQziQ
Sergey Kravtsov retweeted
Recording is live 🎥
@s19kravtsov at Blockchain Community Day 2026 breaks down why crypto subscriptions are hard and how to fix it.
The core idea: recurring payments are the mirror of lending. Same accumulator, flipped direction. Collecting from a million streams costs the same as collecting from one.
youtu.be/Zc_f5mNQziQ
Speaking today at Blockchain Community Day.
"From One-Time Transfers to Recurring Payments: Why Settlement Cost Is the Real Bottleneck in Web3"
Processing 1M recurring payments onchain shouldn't mean 1M transactions. I'll break down the architecture that fixes it.
19:00 GMT+8 · Online · Free 👇
luma.com/wupxaqku
Sergey Kravtsov retweeted
Papaya’s co-founder @s19kravtsov is speaking at Digital Uzbekistan PLUS-Forum — the largest digital finance event in Central Asia.
Topic: Recurring stablecoin payments — how to build subscriptions and autopayments onchain.
2,500+ delegates from 36 countries. May 19–20, Tashkent 🇺🇿
uz.plus-forum.com
Sergey Kravtsov retweeted
Excited to welcome Petr Kozyakov, Co-founder & CEO of @Mercuryo_io, as an angel investor and advisor to Papaya Finance.
Petr brings 15+ years in payments infrastructure — exactly the expertise we need as we build recurring payment rails for the stablecoin economy.
Stablecoin payments hit $10.2B/month. But almost none of it is recurring.
Meanwhile in Web2, subscriptions are a $860B market growing to $1.2T. Failed card payments alone cost businesses $129B in 2025.
The thesis behind @papaya_fi: when stablecoins become default payment rails — and they will — someone needs to handle the recurring part.
#Subscriptions. Automated investing. #AI agent payments.
We started building this in 2024. #Crypto subscriptions first — live API/SDK, 9 chains, audited. DCA second — hourly investing on #Base. AI agents next.
One architecture underneath: O(1) settlement. One onchain tx settles millions of recurring payments. Patent pending.
#Stripe entered stablecoin subscriptions in Oct 2025. US-only, custodial, capped. We're global, non-custodial, uncapped. Different approach, same conviction — recurring #stablecoin payments are inevitable