OwnPay

🏆 Top 3 - Monad EVM/Accathon

April 7, 2024 | New York City

Monad Hackathon

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The Story

OwnPay Origin Story

"Built this straight after landing in NYC from EthDenver and was basically bothered by this and its inefficient ways of merchants accepting payments" - @0xashrk

After witnessing Base network's approach at EthDenver - where food truck merchants had to get customers to scan wallet address barcodes - we knew there had to be a better way. Coming from London where Apple Pay's tap-to-pay experience is ubiquitous, the idea of holding up barcodes felt like a step backward. While QR codes work in Asia, they're cumbersome and potentially insecure when printed on paper.

We built OwnPay to bring that satisfying Apple Pay "ding" to Web3 payments.

Overview

OwnPay is a mobile cryptocurrency payment layer - think PayPal for Web3 - that enables fast, secure, and user-friendly transactions on the Monad blockchain. Unlike traditional wallets, OwnPay works with your existing wallet infrastructure while providing a seamless payment interface. The app facilitates proximity-based payments using Bluetooth technology, allowing users to make payments to nearby devices without the need for QR code scanning or address sharing for each transaction.

"Instant, contactless, on-chain payments as effortlessly as Apple Pay - secure, fast, and fully on-chain." - Monad Devs

Passcode for Switching between modes

535445

Screenshots

<div align="center"> <table> <tr> <td align="center"> <img src="screenshots/wallet.png" width="300" alt="Wallet Home"><br> <b>Wallet Home</b><br> <i>View balance & discover payments</i> </td> <td align="center"> <img src="screenshots/history.png" width="300" alt="Transaction History"><br> <b>Transaction History</b><br> <i>Track all your payments</i> </td> </tr> <tr> <td align="center"> <img src="screenshots/payment-request.png" width="300" alt="Request Payment"><br> <b>Request Payment</b><br> <i>Quick amounts & notes</i> </td> <td align="center"> <img src="screenshots/select-friend.png" width="300" alt="Select Friend"><br> <b>Select Friend</b><br> <i>Choose from your network</i> </td> </tr> <tr> <td align="center"> <img src="screenshots/send.png" width="300" alt="Send MON"><br> <b>Send MON</b><br> <i>Transfer to any wallet</i> </td> <td align="center"> <img src="screenshots/apple-pay-ding.png" width="300" alt="Payment Success"><br> <b>That Apple Pay "Ding"</b><br> <i>Instant payment confirmation</i> </td> </tr> </table> </div> <div align="center"> <img src="screenshots/sending-transaction.png" width="300" alt="Sending Transaction"><br> <b>Lightning Fast Transactions</b><br> <i>Seamless payment processing on Monad</i> </div>

Note: Screenshots show the actual app interface with real Monad testnet transactions

Features

Why OwnPay?

Not Another Wallet: Works as a payment layer on top of your existing wallet infrastructure
PayPal-like Experience: Familiar payment flows for Web3 transactions
No More QR Code Dancing: Unlike traditional crypto payments, no need to fumble with QR codes for every transaction
True Contactless Experience: Just like Apple Pay - discover, tap, pay
Merchant-Friendly: No printed barcodes, no wallet addresses to share repeatedly
That Satisfying "Ding": The payment confirmation you know and love

Core Payment Functionality

Proximity-Based Payments: Discover nearby payment requests using Bluetooth Low Energy (BLE)
Smart QR Fallback: QR scanning available but not required for every transaction
Multiple Payment Modes:
- Customer Mode: Send payments to merchants
- Merchant Mode: Request payments from customers
- Faucet Mode: Distribute small amounts of MON to users

User Experience

Apple Pay-Inspired UX: Smooth, intuitive payment flows with familiar animations
Real-Time Payment Status: Clear visual feedback on payment progress and confirmation
Transaction History: Comprehensive record of past payments
Balance Management: View balance and transaction history from connected wallets

Security & Protection

Wallet Connectivity: Connect existing wallets via Privy SDK (with potential for more wallet integrations)
Sybil Resistance: Protection against excessive faucet usage with cooldown periods
Transaction Verification: Proper feedback and confirmation for all payments

Why Monad?

Monad is a high-performance Layer 1 blockchain that brings significant improvements to the EVM ecosystem:

10,000 TPS: Blazing fast transaction throughput for instant payments
1-second block times: Near-instant finality perfect for point-of-sale transactions
Full EVM compatibility: Deploy existing Ethereum smart contracts without modifications
Parallel execution: Optimistic execution with 1000x better performance than Ethereum
Low fees: Efficient consensus mechanism keeps transaction costs minimal

OwnPay leverages Monad's speed to deliver the instant payment confirmations users expect from traditional payment systems like Apple Pay.

Technical Architecture

Frontend

Built with SwiftUI for iOS
Responsive and animated UI components
Follows Apple's design guidelines for a native feel

Backend & Blockchain

Integrates with Monad blockchain testnet
Uses Privy SDK for wallet connectivity (extensible to other wallet providers)
Acts as a payment layer on top of existing wallet infrastructure
Performs transactions via JSON-RPC calls to the Monad network

Data Storage

Uses SwiftData for local transaction history
Persistent storage for user preferences and settings

Communication

Bluetooth Low Energy (BLE) for device-to-device communication
Structured message format for payment requests and responses

Getting Started

Prerequisites

iOS device with Bluetooth capability
Xcode 15 or newer
A Monad testnet wallet (or use the faucet feature to get started)

Installation

Clone the repository
Copy the config template:
```
cp Config.swift.example Config.swift
```

Edit Config.swift and add your Privy App ID:

enum Config {
    static let privyAppId = "YOUR_PRIVY_APP_ID_HERE"
}

Open the project in Xcode
Build and run on your iOS device

Usage Scenarios

For Customers

Open the app and switch to Customer mode
Discover nearby payment requests from merchants
Review and approve payment requests
Receive confirmation when payments complete

For Merchants

Switch to Merchant mode
Request specific payment amount
Wait for customer to discover and approve payment
Receive payment confirmation

For Faucet Operators

Switch to Faucet mode
Scan a user's wallet QR code
Send a small amount of MON to help them get started

Privacy & Permissions

Own Pay requires the following permissions:

Bluetooth: For discovering nearby payment requests and sending responses
Camera: For scanning QR codes of wallet addresses

Acknowledgements

Monad Blockchain team for hosting the EVM/Accathon
Privy SDK for wallet infrastructure
All the builders and judges at the NYC hackathon

<div align="center"> Built by <a href="https://twitter.com/0xashrk">@0xashrk</a><br> Team: <b>own.fun</b> </div>

Ownpay

Install / Use

README