investorphem/AbaPay

AbaPay is a decentralized, Web3-native utility payment platform built on **Base** (the default chain) and **Celo**. It lets users pay for real-world bills — Airtime, Mobile Data, Electricity, Cable TV, Bank Transfers, Education PINs, and International Airtime/Data — using on-chain stablecoins (**USDT**, **USDC**, **USAT**), with instant fiat settlement handled server-side via the VTpass API. Payments can be made directly in the web app, or hands-free through a conversational, autonomous AI agent ("DeAI") on Telegram, WhatsApp, and X — a real on-chain identity under ERC-8004, discoverable on 8004scan.io — that can pay bills unattended, run recurring/scheduled autopay, and settle multi-recipient batch payments, all spending from a bounded, user-revocable on-chain allowance — no custody, no server-side keys.
Designed for low fees, cross-border utility vending (Nigeria + every country VTpass's live international catalogue returns), and mobile-first accessibility — MiniPay, Valora, Farcaster Mini Apps, Coinbase Smart Wallet / Base Account, MetaMask, and any other WalletConnect-compatible wallet (see Supported Wallets & Environments).
**Operator:** Masonode Technologies Limited (RC 9524980), Nigeria.
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🌟 Key Features
* **Multi-Chain Payments:** Pay bills directly with USDT, USDC, or USAT on Base (Mainnet/Sepolia) or Celo (Mainnet/Alfajores). **Base is the default chain**; Celo remains fully supported and switchable. The app auto-detects the connected chain and filters/reorders available stablecoins accordingly — **USDC leads on Base, USD₮ leads on Celo**, and **USAT is Celo-mainnet-exclusive**.
* **Live VTpass Catalogue — nothing about a provider is hardcoded any more:** every provider name, logo, and amount limit for airtime, data, electricity, cable and education is fetched live from VTpass (src/lib/vtpassCatalog.ts, served to the browser by /api/providers) rather than from four separate hardcoded lists. The app, chat, MCP and the admin dashboard all read the same in-process cache, so there is exactly one source of truth. See Live provider catalogue below.
* **Per-Provider Amount Limits, Enforced Live:** the ceiling is VTpass's real published minimium_amount/maximum_amount *per provider*, not one flat number per service — airtime alone ranges MTN ₦200,000 / Glo ₦100,000 / Airtel ₦50,000 / 9mobile ₦50,000, and electricity minimums range ₦100 (Ikeja, Aba) to ₦2,000 (Ibadan). A flat cap either wrongly refused a valid MTN top-up or wrongly accepted an Airtel one that VTpass rejects *after* the user has already paid on-chain.
* **International Bill Pay:** Users can select a country and pay for foreign airtime/data in that country's own currency and rate — transaction history and receipts reflect the *local* currency, not just Naira. The country list is fetched live from VTpass (/get-international-airtime-countries) on every channel, so the app, chat and MCP can never disagree about which countries are covered.
* **Instant Vending:** Automated API integration with VTpass for instant token generation, airtime top-ups, and data bundle delivery.
* **Education PINs in every channel:** WAEC result-checker and WAEC registration PINs are buyable from the app, from chat (Telegram/WhatsApp/X/in-app), and over MCP — not app-only. ⚠️ **JAMB is a deliberate honesty caveat:** the code path exists end-to-end (intent parsing, profile-ID verification, variation_code handling), but jamb is not enabled on the current VTpass merchant account — VTpass answers {"code":"011","content":{"errors":"Service is Not Valid"}} — so it does not appear in the live catalogue and cannot currently be sold. If the account is enabled for it, it appears automatically with no code change.
* **Smart Merchant Verification:** Validates electricity meters, smartcard/IUC numbers, and account details *before* accepting crypto payments, eliminating user errors and failed vends.
* **AbaPoints Loyalty System:** Users earn points pegged 1:1 to stablecoin value spent, trackable via the in-app points badge and a dedicated API endpoint.
* **Automatic Refund Safety Net:** Failed vends after confirmed on-chain payment are automatically flagged, verified, and refunded on-chain to the user's wallet.
* **DND-Fallback SMS:** Automated SMS delivery of electricity tokens/PINs, bypassing the Nigerian Do-Not-Disturb (DND) registry for critical transaction alerts.
* **Multi-Channel Support & Notifications:** Built-in support ticketing, plus webhook integrations for Telegram, WhatsApp, and X (Twitter) so users and admins can transact/get notified from their preferred channel.
* **Conversational AI Agent ("DeAI"):** A natural-language assistant (/api/deai) that lets users check balances and pay bills via chat-style commands, backed by Claude (Anthropic). Reachable via Telegram, WhatsApp, X, and an in-app chat widget (src/components/AIChat.tsx) on the storefront itself. Understands intent, not just menu numbers — replying "Celo" or "usdt" works exactly like replying "1" or "2" — and shows the live balance and approved agent limit for every token at the moment you're asked to pick one, so you're never choosing blind. If a session goes cold (network drop, abandoned mid-flow) it's recognised and cleaned up automatically rather than left dangling; and if a network hiccup happens right after you enter your PIN, the payment is never silently lost or double-spent — it's tracked through to a confirmed on-chain outcome before the agent reports back.