NodeRails NodeRails
Pre-Seed · April 2026

Crypto & stablecoin billing infrastructure for SaaS & AI

The first crypto billing platform with a production-grade subscriptions engine and dispute/chargeback support - purpose-built for SaaS & AI companies accepting crypto payments.

⚡ Subscriptions Engine 💳 Hosted Checkout 📄 Invoices 🛡️ Disputes & Chargebacks 🔗 APIs & SDKs 📊 Risk & Compliance
Mohit Bhat · Founder · noderails.com
01

Crypto billing is broken for recurring revenue

What fiat billing has vs. crypto today

Capability Fiat Crypto
Subscriptions & recurring billing
Chargebacks & dispute resolution
Invoicing + dunning + retries
Risk & compliance tools
Developer APIs & SDKs
Reporting & reconciliation
Private / confidential payments
Custom company token support
Every feature SaaS teams expect from billing is missing in crypto payments today.
🔄
Gap #1

No subscription engine exists in crypto

Retries, dunning, invoice states, renewal logic - none of it is native. Every team rebuilds from scratch.

🛡️
Gap #2

No chargeback protection

Without dispute resolution, buyers don't trust crypto payments. Merchants cap volume. Revenue leaks.

02

NodeRails: the complete crypto billing stack

Checkout & Links
Subscriptions & Invoices
Payouts & Settlement
Risk & Compliance
Disputes & Chargebacks
Capability
Generic Gateways
NodeRails
Subscriptions engine
None
Native - first mover
Dispute / chargeback
None
Built-in - industry first
Invoices + retries + dunning
Limited
Integrated
Risk / compliance
Plug-ins
Built-in
Developer surface
Basic API
API + webhooks + SDK
Private payments
None
ZK-based compliant privacy
Custom token support
None
Vetted ICO / company tokens
🏆
Moat #1 · First Mover

Only production-grade subscriptions engine in crypto

🛡️
Moat #2 · Industry First

First dispute & chargeback system in crypto

02b Merchant Dashboard
NodeRails Dashboard
02c Payment Links
Payment Links
02d Hosted Checkout
Hosted Checkout
03

Why now

Four forces are converging to make crypto billing infrastructure inevitable.

📈
Stablecoin tipping point
Supply crossed $300B (projected $3T by 2030). Adjusted volume hit $9T in 2025, growing 87% YoY. Stablecoins are becoming the default payment rail.
🤖
AI agent economy emerging
Gartner projects autonomous AI commerce will reach $30T by 2030. Agents need programmatic, crypto-native billing. No one is building it.
⚖️
Regulatory clarity
GENIUS Act passed. Bipartisan consensus that crypto is here to stay. Builders and institutions now have the framework to move forward.
🏦
Institutional adoption wave
Visa, PayPal, Stripe, JPMorgan, Fidelity are all going crypto. Circle IPO'd. Stripe acquired Bridge. The rails are being laid.

Stablecoin adoption curve

Timing

Crypto payments are capturing a growing share of the $3.3T global payments market. The infrastructure layer is wide open. The window to own crypto billing for SaaS is now.

04

Our addressable market

Every layer of this market is growing faster than traditional payments. AI and stablecoins are compounding the opportunity.

TAM
$3.3T
Global digital payments revenue
Growing ~9% YoY · Every dollar that moves digitally
SAM
$600B
Crypto & stablecoin payments (goods & services)
Growing 3-5x faster · Taking increasing share from fiat rails
SOM
$2-3B
Crypto payment infrastructure
Sub-1% penetrated · No one owns SaaS billing yet
Growth catalyst

As AI agents, autonomous commerce, and on-chain SaaS scale, crypto payments will capture an increasingly large share of the $3.3T global payments market. Stablecoin supply is projected to grow from $300B to $3T by 2030. NodeRails is positioned at the infrastructure layer where all of this volume flows through.

05b

Competitive Landscape

No competitor offers a complete SaaS billing stack natively on crypto rails

Feature
NodeRails
BitPay
Coinbase Commerce
NOWPayments
CoinGate
Loop Crypto
Sphere
Recurring Subscriptions
Basic
Dispute / Chargeback System
Refunds
Hosted Checkout
Developer-first API
Basic
Multi-chain Support
Limited
Limited
350+
70+
EVM + Sol
Solana
Stablecoin-native Billing
Settle only
Partial
Built for SaaS / AI
Partial
Compliant Private Payments
Custom Token Support
Fiat On-ramp
Planned
Fiat Off-ramp
Planned
💡 Key insight: Existing players are payment gateways that convert crypto to fiat. NodeRails is a billing platform - subscriptions, disputes, invoicing, and checkout - natively on crypto rails. The only one built specifically for SaaS and AI companies.
06

Four defensible moats

Each compounds over time and none exist in any competing product today

🔒

Compliant Private Payments

Privacy-preserving transactions that meet regulatory requirements. Using zero-knowledge proofs and selective disclosure, merchants and consumers get transaction privacy without sacrificing compliance. No other crypto payment platform offers this.

Zero competitors

Subscription Billing Engine

Production-grade recurring billing with automated wallet charges, plan management, trial periods, usage-based metering, proration, dunning, and retry logic. Purpose-built for crypto-native SaaS and AI companies that need Stripe-level billing on-chain.

Only production-grade engine
🛡

Dispute & Chargeback System

The first on-chain dispute resolution framework for crypto payments. Consumers get buyer protection, merchants get fair arbitration, and the platform earns trust that drives retention. This is why crypto commerce lacks consumer adoption - we fix it.

Industry first
🪙

Custom Company Token Support

Companies launching idea coins, ICOs, or branded tokens can accept them as payment after passing our liquidity and security checks. No other billing platform vets and onboards custom tokens as a native payment method.

Unique capability
🚀 Compounding advantage: Each moat reinforces the others. Private payments attract privacy-conscious SaaS buyers. Subscriptions create sticky recurring revenue. Disputes build consumer trust that accelerates adoption. Together they create a billing stack no competitor can replicate quickly.
07

V1 is live in production

Everything below is shipped, deployed, and ready for merchants to integrate today.

Subscriptions & Recurring Billing
Create plans, manage billing cycles, retries, dunning, and renewal logic natively on-chain.
💳
Hosted Checkout & Payment Links
Drop-in checkout that works with stablecoins and tokens. Shareable payment links for any use case.
📄
Invoice Generation
Automated invoicing with status tracking, payment matching, and reconciliation.
🔗
APIs, SDKs & Webhooks
Full REST API, client SDKs, and real-time webhooks for programmatic integration.
📊
Merchant Dashboard
Real-time analytics, transaction history, customer management, and reporting.
🛡️
Disputes & Chargebacks
Industry-first dispute resolution for crypto payments. Buyer protection that builds trust.
5 design partners onboarding Sign-up to first payment in <7 days Stablecoins default, any-token optional
06

How we make money

💳
1 – 3%
Transaction fee on every payment
1% minimum per transaction. Scales with merchant volume. Core revenue engine from day one.
🧩
+
Premium services & products
Advanced risk tools, compliance workflows, analytics, and priority support - charged as add-ons.

Revenue layers compound as the platform expands

Payments
Tx fees
Subscriptions
Recurring revenue
Payouts
Settlement fees
Compliance
Service fees
Licensing
Series A unlock
07

Year 1: path to $2M ARR

We take a small fee on every payment processed. A tiny fraction of crypto volume gets us to $2M. These projections are from transaction fees alone - additional revenue from premium services, compliance tools, and add-on products is not included.

Conservative
Base Case
Upside
Total processed volume
$60M
$150M
$300M
Blended take rate
1.2%
1.3%
1.5%
Annual revenue run rate
$720K
~$2M
~$4.5M
Share of $600B retail crypto
0.01%
0.025%
0.05%

Revenue run rate (end of year 1)

Why this is credible

$150M processed volume at a 1.3% take rate = ~$2M ARR. That is 0.025% of retail crypto payments. A rounding error of the market. As merchants grow, volume compounds.

08

Roadmap & use of funds

Pre-Seed (Now)
Foundation
V1 live: subs, payments, links, SDK
Fiat-to-crypto partnerships
Agent payments integration
Onboard first paying merchants
Seed (6-18 mo)
Scale
Crypto card integrations
Private payments
Offramp to bank
$2M ARR target
Series A (18+ mo)
Platform
Regulatory licenses
Infra licensing revenue
Full settlement orchestration
Complete crypto billing platform

Pre-seed capital allocation

35%
30%
20%
15%
Engineering & Team Building (35%)
GTM, Sales & CAC (30%)
Legal, Compliance & Licensing (20%)
Infrastructure & Security (15%)
09

Built for this problem

Mohit Bhat
Mohit Bhat
Founder & CEO
Full-stack Web3 engineer. Built blockchain infrastructure across 15+ networks. Combines deep crypto-rails knowledge with payments ops and developer-tooling perspective.
🏢 Ex Fleek Network - Web3 Engineer 🏢 Ex Singularity (ALL10) - Lead Blockchain Engineer 🏆 60+ hackathon wins · 15+ countries 🌐 ETHGlobal finalist 4× 📚 GSoC · Summer of Bitcoin · Ethereum India Fellow 👥 Mentored 50,000+ students
NodeRails NodeRails

Raising pre-seed to become the default billing layer for internet software on crypto rails

The complete crypto billing stack with the only production-grade subscriptions engine and dispute system in the market. Built, shipped, and ready to scale.

Mohit Bhat · Founder · noderails.com
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