Codepay

Codepay is building the next-generation AI Payment Infrastructure. The payment industry has been “digitized” for decades, yet still runs on fragmented systems, manual workflows, and zero semantic understanding. We believe the next decade belongs to AI-native infrastructure—networks that can interpret intent, understand business context, and autonomously operate. Codepay is the first to build this full-stack architecture with three integrated entry points: AI-powered payment devices (edge inference), a merchant app capturing real operating intent, and a unified backend (transactions, IoT, service) enabling end-to-end autonomous execution.