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Subscriptions & Recurring Payments

True subscription business models in crypto.

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The Problem

Recurring payments are difficult on-chain:
  • Blockchains natively push payments (user-initiated)
  • Cannot easily pull payments on a schedule
  • Users must manually approve each billing cycle
  • Or trust a custodial service

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The Solution

Using account abstraction, Money Account supports automated recurring payments while keeping the user in control. 
User pre-authorizes: "Netflix can charge $15.99/month"
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Every month, Netflix's contract triggers the charge
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Money Account executes payment automatically
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No user signature needed (within policy limits)

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How It Works

  1. User approves a subscription policy
  2. Policy specifies: recipient, amount, frequency, max charges
  3. Merchant’s contract can trigger charges
  4. Money Account validates against policy and executes
  5. User can revoke at any time

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Policy Example

{
  "subscription": {
    "recipient": "netflix@stableyard",
    "amount": 15.99,
    "currency": "USD",
    "frequency": "monthly",
    "maxCharges": 12,
    "startDate": "2025-01-15"
  }
}

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Business Impact

BeforeAfter
Manual approvals each monthSet-and-forget
High churn from frictionSmooth renewals
No recurring revenue modelPredictable income
Custodial solutions onlyNon-custodial

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Use Cases

  • SaaS subscriptions
  • Content creator memberships
  • NFT access passes
  • Recurring donations
  • Installment payments