What is Payment Streaming?

1 min read Updated

Payment streaming is the continuous, real-time flow of tokens from one address to another at a defined rate — enabling per-second payments rather than discrete transactions, implemented through protocols like Superfluid and Sablier.

WHY IT MATTERS

Traditional payments are discrete events: you send $100 at a specific moment. Payment streaming is continuous: you send $100 per day, flowing at ~$0.00115 per second, every second, automatically. The recipient's balance increases in real-time.

This maps naturally to ongoing services. An agent using a compute service can stream payment proportional to usage — stopping the stream instantly stops payment, with no overpayment for unused time. It's the ultimate pay-as-you-go model.

For agent-to-agent payments, streaming provides continuous settlement for ongoing services without the overhead of individual transactions for each unit of work.

HOW POLICYLAYER USES THIS

PolicyLayer controls agent payment streams — enforcing maximum stream rates, duration limits, and total value caps. An agent can start a stream within policy boundaries; exceeding the rate or total triggers automatic stream termination.

FREQUENTLY ASKED QUESTIONS

How does payment streaming work technically?
Protocols like Superfluid use a virtual balance system. The stream is defined by a rate (tokens/second). The recipient's claimable balance increases over time based on elapsed time × rate. Actual token movement happens when someone interacts with the contract.
What's the advantage over regular recurring payments?
Granularity (per-second vs per-month), instant start/stop (no waiting for billing cycles), no overpayment (pay exactly for time used), and composability (streams can feed into other streams or DeFi protocols).
Which protocols support payment streaming?
Superfluid (most widely used, supports 'super tokens'), Sablier (vesting and streaming), and Llamapay (salary streaming). Each has different approaches to streaming mechanics.

FURTHER READING

Enforce policies on every tool call

Intercept is the open-source MCP proxy that enforces YAML policies on AI agent tool calls. No code changes needed.

npx -y @policylayer/intercept
github.com/policylayer/intercept →
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