Appealable refunds go live as Payy launches Finality stablecoin payment infrastructure

Odaily reports that Payy has introduced a credit card-like appealable chargeback mechanism into stablecoin payments. Users can set a short recourse window when initiating a payment, with the recipient receiving funds instantly while a liquidity provider assumes guarantee responsibility during the window period. In the event of fraud, mistaken transfers, or commercial disputes, the payer can submit reasons and evidence for adjudication by a neutral arbitrator; upon approval, funds can be recovered without reversing the original on-chain transaction. Payy says it is inviting payment service providers, liquidity providers, and arbitrators to join the network.