Secure-Pay – Reversible Payment System for the Somnia Ecosystem

<img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/a20b441a-cda7-4248-bca1-6401464d9905" />

Overview

Secure-Pay is a next-generation reversible crypto payment platform built natively for the Somnia ecosystem, designed to revolutionize how users send and receive cryptocurrency using simple usernames instead of complex wallet addresses.

From a single, intuitive dashboard, users can send crypto payments using usernames with customizable expiration times, claim payments before they expire, automatically refund unclaimed payments, and track all transaction history with complete on-chain transparency. Every payment is secured by smart contract logic, ensuring funds are protected until claimed or automatically returned to the sender.

With Secure-Pay, crypto payments aren't just faster and cheaper—they're user-friendly, reversible, and built for the next generation of decentralized commerce where anyone can send crypto using simple usernames.

Resources

| Resource | Resource Link | |----------|---------------| | GitHub Repository | 🔗 View on GitHub | | Live Demo | 🔗 Open Secure-Pay | | Demo Video | 🔗 Watch on YouTube | | SomniaScan – Smart Contract | 🔗 Contract Address | | Pitch Deck | 🔗 View Presentation |

The Problems in Web3 Payments Today

• Complex wallet addresses make sending crypto confusing and error-prone
• No way to reverse payments if sent to wrong address or unclaimed
• Poor user experience with long, complex wallet addresses
• No time-bound security for payments
• High gas fees from complex payment systems
• No automatic refunds for unclaimed payments

Secure-Pay's Solution

• Username-Based Payments – Send crypto using simple usernames instead of wallet addresses
• Reversible Payments – Payments automatically refund if not claimed within expiration time
• Time-Bound Security – Customizable expiration times (0.1-168 hours)
• Smart Contract Security – Funds secured until claimed or refunded
• On-Chain Transparency – All payments verifiable on SomniaScan
• User-Friendly Interface – Intuitive design for seamless experience
• Cross-Border, Bank-Free – Instant blockchain settlement worldwide

Why Secure-Pay Stands Out from Other Web3 Payment Solutions

Full Payment Lifecycle

We're not just payments—we handle the entire reversible payment lifecycle, including deposits, claims, refunds, and expiration management, all on-chain.

Time-Bound Security

Using smart contract logic, payments automatically expire and refund if not claimed within the specified timeframe, preventing lost funds.

Smart Contract Architecture

Every payment is secured by our deployed smart contract, ensuring funds are protected and transactions are transparent.

Integrated User Portal

Other tools focus only on basic transfers—Secure-Pay gives users their own secure space to track payments, manage reversible transactions, and view transaction history.

Key Features

For Senders

• Create Reversible Payments – Send funds with customizable expiration times
• Recipient Selection – Choose from registered users or enter wallet addresses
• Payment Tracking – Monitor payment status and expiration in real-time
• Automatic Refunds – Unclaimed payments automatically return after expiry

For Receivers

• Payment Dashboard – View all incoming reversible payments
• One-Click Claims – Instantly claim payments before expiration
• Status Filtering – Filter payments by status (pending, completed, expired)
• Real-Time Updates – Live countdown timers for payment expiration

Smart Contract Features

• Reversible Payment Logic – Funds held securely until claimed or expired
• Automatic Refunds – Senders can reclaim funds after expiration
• Time Validation – Prevents invalid expiration timestamps
• Gas Optimization – Efficient contract design for minimal gas costs

Technical Architecture

Frontend

• Next.js 15 with App Router
• TypeScript for type safety
• Tailwind CSS for modern UI/UX
• Wagmi & Viem for blockchain interactions
• RainbowKit for wallet connections

Backend

• Next.js API Routes for serverless functions
• MongoDB with Mongoose for data persistence
• RESTful APIs for payment and user management

Smart Contracts

• Solidity 0.8.20 for contract development
• Reversible Payment Pattern for secure fund management
• Time-based Logic for automatic refunds
• Gas-optimized for Somnia's low-fee environment

Blockchain Integration

• Somnia Testnet for development and testing
• EVM Compatibility for seamless integration
• Real-time Transaction Monitoring for payment status updates

Smart Contract Details

ReversiblePayments Contract

contract ReversiblePayments {
    struct Payment {
        uint256 amount;
        uint256 expiry;      // deadline for receiver to withdraw
        bool withdrawn;      // true if receiver has withdrawn
    }

    // Core functions:
    // - depositFor(address receiver, uint256 expiryTimestamp)
    // - withdrawFrom(address sender)
    // - refund(address receiver)
    // - viewPayment(address sender, address receiver)
}

Key Features

• Deposit Funds with custom expiration timestamps
• Withdraw Payments before expiration (receiver only)
• Refund Payments after expiration (sender only)
• View Payment Details for transparency
• Gas-Efficient design for Somnia's high TPS

Value to the Somnia Ecosystem

Secure-Pay is a flagship utility dApp that amplifies Somnia's strengths and drives ecosystem growth.

1. Showcasing Somnia's Low-Fee, High-Speed Network

Reversible payments and automatic refunds become near-instant and cost-effective, demonstrating Somnia's scalable Layer 1 design for high-volume transactions.

2. Driving On-Chain Activity

Every payment, claim, and refund increases Somnia's daily active users and transaction count, boosting network health metrics that attract developers and investors.

3. Expanding Use Cases Beyond DeFi

Secure-Pay introduces reversible payments, secure commerce, and trustless transactions as new categories, broadening Somnia's ecosystem diversity and showcasing its versatility.

4. Attracting Users to Somnia

Individuals and businesses using Secure-Pay naturally onboard onto Somnia, expanding the user base organically through payment adoption.

5. Future Integrations that Strengthen Somnia's Position

Our roadmap includes AI-powered payment optimization, multi-token support, and advanced reversible payment features—all built natively on Somnia, cementing it as the go-to chain for Web3 payment infrastructure.

Future Roadmap for Somnia

Phase 1: Enhanced Features

• Multi-Token Support – Support for various ERC-20 tokens
• Batch Payments – Send multiple reversible payments in one transaction
• Payment Templates – Save common payment configurations

Phase 2: Advanced Functionality

• AI Payment Optimization – Automatically suggest optimal expiration times
• Payment Analytics – Detailed insights into payment patterns
• Integration APIs – Allow third-party apps to integrate reversible payments

Phase 3: Enterprise Features

• Multi-Signature Payments – Require multiple approvals for large payments
• Conditional Payments – Release funds based on external conditions
• Compliance Tools – Generate reports for regulatory requirements

Getting Started

Prerequisites

• Node.js 18+
• MongoDB database
• Somnia testnet wallet with test tokens

Installation

1. Clone the repository

   git clone https://github.com/yourusername/Secure-Pay.git
   cd Secure-Pay

2. Install dependencies

   npm install

3. Set up environment variables

   cp .env.example .env.local

Fill in your environment variables:

• MONGODB_URI - Your MongoDB connection string
• NEXT_PUBLIC_PROJECT_ID - Your WalletConnect project ID

4. Deploy the smart contract

   # Deploy to Somnia testnet
   npx hardhat run scripts/deploy.js --network somnia-testnet

5. Update contract address Update the contract address in lib/contract.js
6. Run the development server

   npm run dev

7. Open your browser Navigate to http://localhost:3000

Usage

1. Connect Wallet – Connect your Somnia testnet wallet <img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/b53c0216-8159-4437-9bea-50915779ee1d" />
2. Register – Create your user profile
3. <img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/5d50b9e8-1322-477e-9a40-265565a5b592" />
4. Send Payment – Create a payment with expiration time
5. <img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/0403860b-83c1-41d1-9ac2-1581955621e2" />

<img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/34202eba-cedb-4ce1-be60-79460c3b14f3" />

7. Receive Payment – Claim incoming payments before they expire <img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/0e5a4293-d4fa-497c-aa65-96fd30ac0363" />
8. Reverse Payment – Reverse payments if they expire

<img width="1846" height="989" alt="image" src="https://github.com/user-attachments/assets/f899dcfd-e49b-4e51-9700-35d5ef896bc8" />

Contract Addresses

| Network | C