Credit-backed, Capital-efficient, and Instant payments for any service, web3 or traditional.
Problem
Any service deployed on web3 rails lack a capital-efficient, cheap, and non-custodial way to pay in real time.
Current workarounds lead to:
- Centralized trust
- Fragmented liquidity
- Locked capital (capital inefficiency)
- UX & regulatory friction
The result: per-task billing is nearly impossible at scale → slowed adoption.
Case Study: API Monetization
- Aligned offers ultra-cheap verification costs
- Aligned cost: $0.019 vs payment gas fee: $0.14
- Transaction gas fees are 8x higher than the service cost
- Payment limitations prevent scaling
4Mica Solution
Line of Credit
Enables cryptographically-backed "lines of credit"
Instant Payments
One yield-generating deposit → backs thousands of instant micro-payments
Configurable SLAs
Configurable TTLs & SLAs, for full flexibility
Secure and Trustless Settlement
Settlement automatically enforced on parent chain (no value leakage)
Flexible Integration
Flexible and composable across any service that accepts crypto
Multi-Platform Support
Composable payment infrastructure for APIs, agents, and on-chain services
Architecture
Collateral
Deposit in yield-generating vault
Line of Credit
Instant access to service
Instant Value-Exchange
Cryptographic payment tabs
Settlement on L1
Secure and trustless by design
Configurable TTL
Time-to-live settings
Collateral Ratio
Risk management
Configurable SLA
Service agreements
“4Mica is building the missing payment primitive that makes on-chain services commercially viable.”