PayRam vs Groundfloor
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
PayRam compared with Groundfloor
| Detail | 
PayRam | 
Groundfloor |
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| What it does | Self-hosted payment gateway for accepting card and crypto payments without third-party intermediaries
| Private markets investing platform offering real estate loans, notes, and emerging alternative investments
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| Stage | Not given
| Established
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| Founded | Not given
| 2013
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| Based in | Not given
| US
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| Pricing model | Open source
| Freemium
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| Pricing | Not given
| Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12
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| Key features | - Self-hosted deployment in 10 minutes with one command
- Supports 20+ tokens including USDC, USDT, Bitcoin, Ethereum, Solana, Tron
- Card-to-crypto onramp with 40+ currencies and 300+ payment methods
- Dedicated permanent deposit address per customer
- SmartSweep automatic fund consolidation to cold wallet
- Unlimited transaction scalability
- MCP-native AI agent integration
- Full custody with multi-wallet support
- Built-in ledger, analytics, and P&L reporting
- Pre-built API snippets and developer-friendly SDKs
| - Individual real estate loan selection with 10-18% target IRR
- Auto Finance Portfolio with 13.6% target net IRR for accredited investors
- Music Royalties Portfolio offering 7% fixed annualized return
- Pre-IPO Stock Finance Portfolio with 15-18% target net IRR
- Portfolio tracking and real-time performance monitoring
- Automated monthly interest payments to investors
- Mobile app for browsing and managing investments on the go
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| What makes it different | - No signup, no approvals, no account freezes with permissionless deployment
- Full self-custody without intermediary holding funds
- AI agent payments without KYB requirements
- Resistance to censorship through decentralized infrastructure
- Unified card and crypto payment acceptance globally
| - 100% repayment track record on real estate-backed notes since platform inception
- First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors
- Over 13 years of operating history managing real estate investments since 2013
- Direct origination and underwriting rather than marketplace model
- Verified residential collateral and first- or second-lien security on every loan
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| Free plan | Not given
| Not given
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| Open source | Not given
| Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 45 ▼ −3 (down) since last check | 49 ▲ +1 (up) since last check |
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| Trust Flow (Majestic) | 9 | 19 |
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| Citation Flow (Majestic) | 36 | 32 |
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| Referring domains (Majestic) | 345 | 595 |
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4 details filled in for both companies.
More alternatives to PayRam More alternatives to Groundfloor