Buy Now, Pay Later
On-Chain

The first decentralized credit protocol on Base. Get instant credit based on your wallet reputation. No banks. No paperwork. Pure Web3.

$2.5M+

Total Liquidity

1,200+

Active Users

98%

Repayment Rate

Why PayLater Web3?

Built for the future of decentralized finance

Decentralized Credit

No central authority. Your credit is based on transparent on-chain activity and wallet reputation.

Instant Approval

Connect your wallet and get credit instantly. No credit checks, no waiting, no paperwork.

Low Fees on Base

Built on Base L2 for ultra-low transaction costs. Pay cents, not dollars for on-chain operations.

Community Liquidity

Liquidity providers earn yield while enabling credit for the Web3 community.

Globally Accessible

No geographic restrictions. If you have a wallet on Base, you can access credit.

Transparent Terms

All interest rates, fees, and terms are on-chain and verifiable. No hidden charges.

Get started in 4 simple steps

Link your Base wallet using MetaMask or Coinbase Wallet

Our algorithm analyzes your wallet reputation and assigns a credit limit

Use PayLater at supported merchants or request direct loans

Make installment payments directly from your wallet

Ready to Get Started?

Connect your wallet and unlock your Web3 credit limit today