Unifi Pay is a wallet-based payment protocol from LINE NEXT. Customers pay directly from their wallet—no card networks, no intermediaries. Merchants get 0% payment fees (just 1% protocol fee), 1-second settlement straight to their wallet, and up to 5% APY on holdings. Non-custodial: payments run on smart contracts, so you receive funds directly. Devs, startups, and creators integrate in ~10 min via the A2A SDK. Supports USD, JPY, IDR stablecoins, expanding to KRW, THB, and more.