Best of · BNB Chain · Updated
The best Payments dApps on BNB Chain in 2026
We track 14 Payments dApps that run on BNB Chain and have reviewed 11 of them in full. Our top pick is Sablier Lockup. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Sablier Lockup
Payments · Ethereum, Polygon, Arbitrum +25
Sablier Lockup lets organizations distribute tokens on-chain over custom vesting schedules. Check the fees and contract risks before you fund a stream.
ScoreScore 7.0 out of 10TVL $1.75M−4.0% - 2
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid lets you send and receive continuous onchain payments, such as salaries, subscriptions and rewards. It is a protocol and app, not a bank account; check the network, token and stream rate before you commit funds.
ScoreScore 6.3 out of 10TVL $5.28M−4.5% - 3
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow automates token vesting, airdrops, staking and payouts, with its services focused on Solana. Check its unpublished fee details and the scope of its audits before committing funds.
ScoreScore 6.2 out of 10TVL $10.3M−6.0% - 4
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay lets you set up recurring crypto payments that accrue continuously, so recipients can withdraw as they earn. Check the contract, token support and costs on your chosen chain before funding a stream.
ScoreScore 6.2 out of 10TVL $2.05M−12.4% - 5
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets you make ongoing on-chain token payments that recipients can withdraw as they accrue. Its per-withdrawal interface fee is clear, but check the contract details and the reported support wind-down before funding a stream.
ScoreScore 6.0 out of 10TVL $485K−14.5% - 6
UniVoucher
Payments · Base, Polygon, Ethereum +4
UniVoucher lets you create and redeem crypto gift cards using a wallet and a secret code. Check the redemption costs and security details before putting funds into a card.
ScoreScore 5.8 out of 10TVL $197−0.0% - 7
Pay Protocol
Payments · Tron, BNB Chain, Ethereum
Pay Protocol is business-focused payment and wallet infrastructure built around smart-contract accounts. Its self-custody approach may suit companies, but fees, independent security evidence and exact network support need checking before you integrate.
ScoreScore 5.2 out of 10TVL $1.19M−37.4% - 8
Sablier Legacy
Payments · Ethereum, Polygon, BNB Chain +4
Sablier Legacy lets you receive token distributions through the original Sablier protocol, but it has been superseded by Sablier Lockup. Check that your stream is on a supported chain and confirm its terms before interacting.
ScoreScore 5.0 out of 10TVL $495K−1.1% - 9
Papayaswap
Payments · Ethereum, BNB Chain, Polygon +4
Papaya combines US–Vietnam business payments, wallet DCA and recurring stablecoin-payment tools. Costs, custody and independent security checks are not clearly published, so verify the terms for the specific product before sending funds.
ScoreScore 4.8 out of 10TVL — - 10
Onchain Trade
Payments · Bitcoin, Solana, BNB Chain +4
Onchain Trade is branded on its site as Onchainpay, a payment gateway for businesses that want to accept crypto and manage payouts. Its feature set is broad, but published fees and clear custody and licensing details are missing.
ScoreScore 4.5 out of 10TVL — - 11
Shopnext
Payments · BNB Chain
ShopNEXT is a shopping rewards app built around Visa-linked purchases and crypto tokens. Its reward rates, fees and current app availability need checking before you commit.
ScoreScore 4.2 out of 10TVL — - 12
Suterusu
Payments · BNB Chain, Ethereum
Suterusu is a payments project on Bnb Chain and Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $333−1.2% - 13
Rozo
Payments · Base, Bitcoin, BNB Chain +4
Rozo appears to offer cross-chain payment tools for merchants, but key details about fees, security and how to get started are not published. There isn’t enough information to recommend using it for payments yet.
ScoreNot rated yetTVL — - 14
Qrax
Payments · BNB Chain
Qrax is a payments project on Bnb Chain. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL —
Payments dApps on BNB Chain: the numbers
- Tracked
- 14
- Reviewed
- 14
- Total TVL
- $21.5M
- Avg. score
- 5.6/10
There are 14 payments dApps on BNB Chain in the SkyBitcoins index. Every one of them has a full review. Across the 9 with TVL data, the combined value locked is $21.5M, counting value on every chain they support. Streamflow is the clear leader, holding 48% of it. The five largest make up 95% of the total; the median is $1.19M.
By value locked, the largest payments dApps on BNB Chain are Streamflow ($10.3M), Superfluid ($5.28M) and LlamaPay ($2.05M). The best-rated is Sablier Lockup with 7.0/10, followed by Superfluid (6.3) and Streamflow (6.2). The 11 rated payments dApps average 5.6/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (12), Polygon (9) and Arbitrum (7). All 10 with a confirmed status are active. In the past week, total value locked fell 8.7%. Pay Protocol dropped the most (−37.4%).
Largest by TVL
- 1
Streamflow$10.3M
- 2
Superfluid$5.28M
- 3
LlamaPay$2.05M
- 4
Sablier Lockup$1.75M
- 5
Pay Protocol$1.19M
Highest rated
- 1
- 2
- 3
- 4
- 5
Sablier Flow6.0
Method
How we ranked them
Reviewed dApps come first. Each SkyBitcoins review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
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Frequently asked questions
What is the largest payments dApp on BNB Chain by TVL?
Streamflow is the largest payments dApp on BNB Chain by total value locked, with $10.3M across all the chains it supports. It is followed by Superfluid ($5.28M) and LlamaPay ($2.05M). TVL figures come from DefiLlama and change daily.
Which payments dApp on BNB Chain has the highest SkyBitcoins score?
Sablier Lockup has the highest score at 7.0/10, ahead of Superfluid (6.3) and Streamflow (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many payments dApps on BNB Chain has SkyBitcoins reviewed?
SkyBitcoins tracks 14 payments dApps on BNB Chain. Of these, 14 have a full review and 9 report value locked, $21.5M in total, counting value on every chain they support.
Which payments dApps on BNB Chain grew the most this week?
Among payments dApps with at least $1M locked, Pay Protocol the biggest drop (−37.4%). Combined TVL moved −8.7% over the same seven days.
What is the average score for payments dApps on BNB Chain?
The 11 rated payments dApps on BNB Chain average 5.6 out of 10. Of these, 0 score 8 or higher and 3 score below 5.