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"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.
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
535445
 Wallet Home View balance & discover payments |
 Transaction History Track all your payments |
 Request Payment Quick amounts & notes |
 Select Friend Choose from your network |
 Send MON Transfer to any wallet |
 That Apple Pay "Ding" Instant payment confirmation |
Lightning Fast Transactions
Seamless payment processing on Monad
Note: Screenshots show the actual app interface with real Monad testnet transactions
- 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
- 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
- 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
- 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
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.
- Built with SwiftUI for iOS
- Responsive and animated UI components
- Follows Apple's design guidelines for a native feel
- 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
- Uses SwiftData for local transaction history
- Persistent storage for user preferences and settings
- Bluetooth Low Energy (BLE) for device-to-device communication
- Structured message format for payment requests and responses
- iOS device with Bluetooth capability
- Xcode 15 or newer
- A Monad testnet wallet (or use the faucet feature to get started)
- Clone the repository
- Copy the config template:
cp Config.swift.example Config.swift
- Edit
Config.swiftand 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
- Open the app and switch to Customer mode
- Discover nearby payment requests from merchants
- Review and approve payment requests
- Receive confirmation when payments complete
- Switch to Merchant mode
- Request specific payment amount
- Wait for customer to discover and approve payment
- Receive payment confirmation
- Switch to Faucet mode
- Scan a user's wallet QR code
- Send a small amount of MON to help them get started
Own Pay requires the following permissions:
- Bluetooth: For discovering nearby payment requests and sending responses
- Camera: For scanning QR codes of wallet addresses
- Monad Blockchain team for hosting the EVM/Accathon
- Privy SDK for wallet infrastructure
- All the builders and judges at the NYC hackathon
Team: own.fun