Anyone Can Be Your Guarantor
The ultimate flexible PayNote where any trusted party can guarantee transfers. From restaurant vouchers to marathon awards, create custom payment agreements with anyone you trust as the guarantor.
Any Trusted Party Can Guarantee Your Transfers
Unlike traditional PayNotes with fixed guarantors (banks, card processors), Custom PayNotes let you choose anyone as your guarantor. Restaurant owners, event organizers, clubs, communities—anyone who can provide value or assets to back the agreement.
Payer
✓ Creates transfer with custom terms
✓ Chooses trusted guarantor
✓ Sets conditions and triggers
✓ Transfers value or assets
Payee
✓ Accepts transfer conditions
✓ Trusts the chosen guarantor
✓ Receives guaranteed value
✓ Can transfer to others or redeem
Custom Guarantor
✓ Can be anyone with assets/value
✓ Backs the PayNote with resources
✓ Validates conditions are met
✓ Honors transfer obligations
From Custom Agreement to Guaranteed Transfer
See how Custom PayNotes create flexible agreements with any trusted party as guarantor, enabling unique transfer scenarios that traditional payment systems can't handle.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
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Unlimited Creative Possibilities
Restaurant Vouchers
Restaurant as guarantor for transferable dining credits
Restaurant issues vouchers as PayNotes. Customers can transfer vouchers between each other or redeem at the restaurant. Restaurant guarantees the dining value.
Marathon Awards
Event organizer guarantees prize transfers
Runner creates PayNote promising part of potential winnings to supporter. Marathon organizer guarantees transfer if runner wins. Transparent sports betting.
Gift Cards 2.0
Store-backed transferable gift balances
Store issues gift cards as PayNotes. Recipients can transfer partial amounts to others, split gifts, or combine multiple gift PayNotes before redemption.
Club Memberships
Club-guaranteed transferable memberships
Golf club issues membership PayNotes. Members can transfer guest passes, sell remaining membership time, or gift access to friends. Club guarantees access rights.
Event Tickets
Organizer-backed transferable event access
Concert venue issues tickets as PayNotes. Fans can safely transfer tickets, split group bookings, or resell at guaranteed face value. Venue validates authenticity.
Subscription Sharing
Service provider guarantees shared access
Netflix family plan as PayNotes. Family members can transfer unused months, share with friends temporarily, or sell remaining subscription time. Netflix guarantees access.
Restaurant Vouchers: A Deep Dive
How Restaurant Vouchers Work
Restaurant creates $100 voucher PayNote
Customer buys voucher, owns transferable dining credit
Voucher can be split, combined, or transferred to others
Restaurant guarantees dining value when redeemed
All transfers are transparent and verifiable
Benefits for All Parties
Restaurant: Guaranteed cash flow, customer loyalty
Customers: Flexible, transferable dining credits
Recipients: Guaranteed value, no fraud risk
Network: Creates dining credit economy
Platform: Transaction fees on all transfers
The Result: Liquid Value Economy
Custom PayNotes turn any business asset into liquid, transferable value. Restaurant meals, event tickets, memberships—all become tradeable digital assets backed by trusted guarantors.
Why Become a Custom Guarantor?
New Revenue Streams
Monetize your assets and reputation
Charge fees for guaranteeing PayNotes, earn from increased transaction volume, and create new revenue from existing assets and customer relationships.
Customer Loyalty
Build stronger customer relationships
Customers who hold your PayNotes are more likely to return and refer others. Create a community around your guaranteed value propositions.
Market Expansion
Reach customers through transfers
When customers transfer your PayNotes to others, you gain new potential customers who experience your value through the guarantee system.
Trust Infrastructure
Become a trusted authority
Position yourself as a reliable guarantor in your industry. Build reputation that can be leveraged for other business opportunities and partnerships.
Cash Flow Management
Predictable revenue from guarantees
Receive upfront payments for issuing guaranteed PayNotes. Better cash flow management and reduced uncertainty in revenue planning.
Network Effects
Benefit from ecosystem growth
As more people use PayNotes you guarantee, the value of your guarantee increases. Network effects amplify your business value and reach.
Implementation Flexibility
What You Can Guarantee
Transfer Mechanisms
Custom PayNote Lifecycle
1. Create
Guarantor creates custom PayNote with specific terms
2. Transfer
PayNote holders can transfer full or partial value
3. Validate
Guarantor validates authenticity and conditions
4. Redeem
Holder redeems value from guarantor
FAQ for Custom Guarantors
What can I guarantee as a custom guarantor?
Anything of value you can deliver: services, products, access rights, future earnings, digital assets, or even reputation-based commitments. The key is having the ability to honor the guarantee.
How do I handle PayNote transfers between users?
Transfers happen automatically on the PayNote network. You only need to validate authenticity when someone redeems the PayNote with you. All transfers are transparent and auditable.
What if I can't fulfill a guarantee?
PayNotes include fallback mechanisms and insurance options. You can also set expiry dates, usage limits, and conditions that protect both you and PayNote holders from unforeseen circumstances.
How do I price my guarantee services?
Consider the value you're guaranteeing, the risk involved, and the convenience you're providing. Most guarantors charge 2-5% of the guaranteed value plus any premium for transferability and flexibility.
Are there legal requirements for being a guarantor?
Requirements vary by jurisdiction and what you're guaranteeing. For most service-based guarantees, standard business licenses apply. Consult legal counsel for complex financial guarantees.
Can I limit how my PayNotes are transferred?
Yes, you can set transfer restrictions, usage conditions, geographic limits, and expiry dates. You control the terms of your guarantee while maintaining the benefits of transferability.
Ready to Create Custom PayNotes?
Turn your assets into liquid, transferable value with custom guarantees.
From restaurant vouchers to marathon awards—create unique payment experiences.