Abstract: A system, method, method for manufacturing, apparatus, and computer-readable and executable product and program code having an off-chain payment hub. Dynamic payments and signatures can be effected. Multiple smart contract payment hubs are interconnected with efficient transmission routes. Off-chain payment enactment fees can be nullified at no security cost. Registration with a payment hub server comes at no on-chain cost for a user. Collateral costs for trustless operation are marginally reduced to that covering at a fixed time period of operation rather than the whole lifespan of operation.