Payy has launched Finality, stablecoin payment infrastructure that adds a credit-card-style chargeback process to its privacy-focused payment network. Users can set a short-term recovery window when initiating a payment, while recipients receive the funds immediately and liquidity providers assume protection obligations during that period. If fraud, an incorrect transfer or a commercial dispute occurs, the payer can submit reasons and evidence for review by a neutral arbitrator. Approved claims trigger a recovery of funds without reversing the original on-chain transaction. Payy said it is inviting payment service providers, liquidity providers and arbitrators to join the network.