The core members of the PayChain team are from the blockchain industry, with deep industry resources and background. The PayChain development team has many technological innovations in development. PayChain's self-developed payment chain technology (PAY) and MHT technology (Matching hedge technology matching hedging technology) are all innovative functions independently developed by the PayChain team. Payment Chain Technology (PAY) is developed by the PayChain development team, and the payment chain network (PAY) based on the payment chain technology (PAY) is a comprehensive payment of 2-of-2 multi-signature, lock-time transaction, transaction. By constructing technologies such as deferred broadcast, it is possible to achieve zero-rate transfer of blockchain assets without trust, which is comparable to Lightning Network in terms of speed, security and privacy.