PedroYellow/U-bot-Pay

> Live on Avalanche mainnet. Two real transactions from the demo treasury:
> - 🗣 "Send 100 baht to mom" → 2.91 USDC settled in 1.78 s — tx
> - 🤖 "Ask DataAgent about Sequoia" → U-bot paid another agent 0.50 USDC via x402 (EIP-3009) in 2.23 s — tx
> Try it: https://ubotpay.com (press 🎙) · @Ubotpaybot · API https://api.ubotpay.com/docs · paid agent https://agent.ubotpay.com
🎙⚡
Talk to U-bot. Money moves.
A voice-first finance agent for the U-topia ecosystem — speak in any language, settle in USDC on Avalanche in under a second.
Built in 48h at U-Hackathon 2026 (FLOW Summit, Bangkok) · Partners: ElevenLabs · Avalanche
## Why
Institutional rails like Canton and Stellar move trillions — but nobody talks to them.
Consumer finance apps have buttons, not conversations.
U-bot Pay is the missing layer: a voice you can trust with your money.
> 🎙 "Send 2,000 baht to mom"
> 🤖 "That's 58.14 USDC to Mom in Chiang Mai, FX 34.4, zero fees. Shall I send it?"
> 🎙 "Yes"
> 🤖 "Done. Sent in 0.8 seconds."
## What it does
| Feature | How |
| Voice in, voice out | ElevenLabs STT + TTS, 90+ languages (Thai, Burmese, Vietnamese, Spanish, English…) |
| Natural-language intents | Three-tier parser — Ubot (U-topia's LLM), Anthropic, or a deterministic local parser — handles "pay the Vietnam one", "mándale 500 baht a mi madre", "ส่งเงิน 300 บาทให้แม่" |
| Instant settlement | USDC on Avalanche C-Chain — sub-second finality, tx link on every payment |
| Transparent FX | Local-currency quote → USDC, rate shown, zero fees |
| Voice-confirmed payments | Nothing moves without a spoken yes. A co-signer can never be the payer. |
| Dual control | Payments above a threshold require a different person to approve (Canton-style institutional policy) |
| Daily limits | Per-user spend caps |
| Invoices | U-bot reads your open invoices and pays them on command |
| Private audit trail | Memo hashed on-chain, detail off-chain |
| Agent-to-agent (x402) | EIP-3009 transferWithAuthorization — U-bot pays other AI agents per request |
| Channels | Telegram (voice notes), ElevenLabs Agents (phone/web), REST API |
## Architecture
┌──────────────┐ ┌──────────────┐ ┌─────────────┐
│ Telegram │ │ ElevenLabs │ │ Web PWA │
│ voice note │ │ Agent (call)│ │ (avatar) │
└──────┬───────┘ └──────┬───────┘ └──────┬──────┘
│ STT │ webhook tool │
▼ ▼ ▼
┌──────────────────────────────────────────────────┐
│ POST /turn (FastAPI) │
│ brain.py → Ubot intent parser │
│ core.py → users · contacts · FX · policy │
│ chain.py → Avalanche C-Chain (mainnet; Fuji for tests) · USDC · EIP-3009 │
└──────────────────────┬───────────────────────────┘
Avalanche C-Chain (USDC)
sub-second finality
One endpoint, one brain, every channel.
## Quick start
bash
git clone https://github.com/ /ubotpay && cd ubotpay
python3 -m venv venv && . venv/bin/activate
pip install -r requirements.txt
cp .env.example .env # fill in keys
python main.py # API on :8090 + Telegram polling
Fund the treasury wallet on Fuji: AVAX faucet · USDC faucet.
### Try the API
bash
curl -X POST localhost:8090/demo/seed -H "x-api-key: $UBOTAPIKEY"
curl -X POST localhost:8090/turn -H "x-api-key: $UBOTAPIKEY" -H "Content-Type: application/json" \