Merso.io

Merso positions itself as a leading financial infrastructure provider for the Web3 gaming sector, delivering advanced solutions that simplify digital asset acquisition. Unlike traditional models where players must pay the full price for NFTs or in-game assets upfront, Merso’s BNPL protocol allows users to split payments into manageable installments over time while still gaining immediate access to the asset's functionality. Game developers receive full revenue instantly, while players pay only 50% upfront and the rest over four weeks, handled through an automated smart contract process.

The core advantage lies in how Merso balances the needs of both studios and players. For game publishers, the platform eliminates the “purchase friction” that typically prevents users from buying premium content. As a result, companies using Merso have reported a 30–40% increase in average order values and up to 60% improvement in player engagement. Merso also facilitates the trading of tokenized game assets, backed by robust analytics and adaptive liquidity models that support real-time decision-making.

For players, Merso offers tools to manage digital assets, track purchases, and maintain full transparency over their payment obligations. Even though NFTs are acquired through installment plans, users receive a Wrapped NFT (wNFT) instantly, which functions identically in-game. The original NFT is transferred only after successful completion of all payments. In the case of non-payment over five days, the wNFT is burned, and the original NFT is retained by the protocol — protecting the financial interests of game studios.

Integration is simple and developer-friendly. With options to embed via API, iFrame, or upcoming SDKs for Unity and Unreal Engine, game companies can integrate Merso’s BNPL flow into their ecosystem with minimal effort. The backend is powered by Merso’s proprietary M-Brain AI engine, which provides partners with real-time asset behavior analysis, volatility tracking, and lifetime value insights.

In the evolving space of Web3 payment infrastructure and BNPL protocols for gaming, Merso stands out from similar service providers like Aura Finance (DeFi liquidity layer), and Halliday (BNPL for NFT games. While these projects offer financial tools for the NFT economy, Merso focuses specifically on optimizing user onboarding and transaction conversion in the gaming sector through embedded, risk-free BNPL technology.

Merso provides numerous benefits and features that make it a standout project in the Web3 gaming and digital asset financing space:

• Play Now, Pay Later (PNPL): Enables players to acquire NFTs and digital assets with only 50% upfront and 4 weekly installments — increasing accessibility without limiting asset utility.
• Immediate Payouts for Game Studios: Developers receive 100% of the asset price instantly, reducing financial risk and improving cash flow.
• Wrapped NFT Functionality: Players use wNFTs in-game as if they were originals, ensuring uninterrupted gameplay while preserving ownership logic until full payment.
• Automated Payment Monitoring: A 5-day smart retry system alerts users of failed payments and handles default events autonomously, including NFT burns.
• Zero Gas Fees: All blockchain transaction costs are covered by the protocol, allowing users to engage without worrying about network fees.
• M-Brain AI Engine: Provides real-time analytics of asset behavior, volatility, and user engagement — giving partners critical business intelligence.
• Developer-Friendly Integration: Simple API, iFrame, and upcoming SDKs for Unreal and Unity reduce engineering workload.
• Flexible White-Label Options: Full control over branding and experience with white-label capabilities.

Merso offers a seamless onboarding experience for both game developers and players:

• For Developers: Begin by reviewing the full documentation on Merso Docs. Integration is supported via API or iFrame and requires only a few lines of code. Developers must also configure their smart contracts to accept both original NFTs and wNFTs.
• Wallet Management: Merso supports embedded wallet experiences, allowing seamless user interactions within the game itself. No external wallets like Metamask are required.
• Payment Flow: Upon selection of an NFT, the user pays 50% upfront. The protocol pays the rest to the game developer instantly. The NFT is then held as collateral, and a wNFT is issued to the user for full gameplay utility.
• For Players: Simply choose BNPL at checkout in your game's marketplace. After payment, your wrapped NFT is delivered instantly and usable immediately. Merso handles all further payments and communication.
• Payment Monitoring: Players receive email notifications for each payment attempt. If 5 consecutive failures occur, the wNFT is burned, and ownership is lost.
• Completion and Ownership Transfer: After the final installment, users receive the original NFT in their wallet, and the wrapped NFT is automatically burned.