PayRam vs Kilde
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 Kilde
| Detail | 
PayRam | 
Kilde |
|---|
| What it does | Self-hosted payment gateway for accepting card and crypto payments without third-party intermediaries
| Private credit investment platform for accredited investors
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|---|
| Stage | Not given
| Established
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| Founded | Not given
| 2019
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| Based in | Not given
| SG
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| Pricing model | Open source
| Paid
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| Pricing | Not given
| Fixed returns 10-15% per year; 0.5% annual platform fee regardless of investment size
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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
| - Monthly coupon payments
- Real-time investment dashboards
- Collateral-backed investments (1.6x coverage)
- Early redemption options
- Multi-currency investment (SGD, USD, EUR)
- Flexible investment terms (3-36 months)
- Joint account support
- Auto-Invest strategies
- Human advisor access
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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
| - MAS-licensed platform with strict regulatory compliance
- Fixed 10-15% annual returns with low market correlation
- Transparent flat 0.5% annual fee regardless of investment size
- Rapid onboarding in 3 minutes via SingPass
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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 | 28 ● no change since last check |
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| Trust Flow (Majestic) | 9 | 13 |
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| Citation Flow (Majestic) | 36 | 29 |
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| Referring domains (Majestic) | 345 | 155 |
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4 details filled in for both companies.
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