PAYchat Proof of Reserves

USDT held on-chain in PAYchat's hot wallets, compared with the total of all user balances. Updated Nov 13, 2026, 11:48 UTC.

On-chain USDT728.38TRON 223.71 · TON 504.67

User balances (total)425.24all PAYchat accounts

Coverage171.2%on-chain ÷ user balances

StatusFully coveredreserves are at least equal to user balances

Reserves vs user balances

On-chain USDTUser balances · 2026-01-15 to 2026-11-13, one recorded value per day (UTC)

Verify it yourself

These are the wallets counted above. Open them on a public block explorer and compare the USDT balance with this page.

TRON (USDT TRC-20) · 223.71 USDTTZ3tFYZ2sRDhWvMJ99npqvFZVFSoCXQZEDView on Tronscan

TON (USDT) · 504.67 USDTUQBDL_vvXSufX8se5U0a3kQOR0BSaVtMCz_bQjfmm4qA8tdhView on Tonviewer

How we check

Every hour PAYchat automatically compares the total of all user balances with the USDT in these wallets. If user balances ever exceed the reserves beyond a small tolerance, the admin is alerted and the Partner API is paused automatically.

This page counts the TRON and TON hot wallets only.