A lightweight crypto wallet for gasless USDC transfers. Built for people who need to move money without paying fees, even on slow connections.
Sending money across borders shouldn't cost 10% in fees. Traditional remittance services and even most crypto wallets charge transaction fees that eat into the money people are trying to send home. And if you're on a 2G connection? Good luck.
Zero gas fees — We sponsor transaction costs on Base, Celo, Gnosis, and Arbitrum using EIP-3009 meta-transactions. You sign, we pay.
Works offline — Generate payment requests and pre-sign transfers without internet. QR codes handle the rest.
Trust, not just identity — Our Signal score reflects who vouches for you and who you vouch for. Build reputation through real relationships, not just KYC.
Earn while you save — Deposit USDC into Aave directly from the wallet. Your savings generate yield while staying accessible.
- Multi-chain USDC — Aggregated balance across 4 networks
- Gasless transfers — EIP-3009 authorizations, zero cost to users
- PWA — Install on any phone, no app store needed
- Face verification — Liveness detection for sybil resistance
- XP rewards — Earn points through vouching and verification
- Prize pool — Opt-in savings lottery with weekly draws
- Offline payments — Pre-signed transactions via QR codes
- AI assistant — Built-in help for crypto questions (1 XP per message)
- GoodDollar integration — Claim G$ UBI and exchange for XP
| Network | Chain ID | Token | Status |
|---|---|---|---|
| Base | 8453 | Native USDC | Full gasless support |
| Celo | 42220 | Native USDC | Full gasless support |
| Gnosis | 100 | USDC.e (bridged) | Full gasless support |
| Arbitrum | 42161 | Native USDC | Full gasless support |
Live app: nanopay.replit.app
Create a wallet, receive some USDC on Base/Celo/Gnosis/Arbitrum, and send it to someone. No gas needed.
This isn't a scaffold project. It's a production wallet handling real money.
- Frontend: React + TypeScript + Vite, optimized for low-bandwidth (272KB gzipped)
- Backend: Express + Drizzle ORM + PostgreSQL
- Crypto: viem for wallet operations, WebCrypto for local key encryption
- Auth: Passkey support via WebAuthn with PRF extension for key derivation
- Gasless: EIP-3009 facilitator pattern — users sign typed data, backend submits transactions
The wallet generates keys locally using WebCrypto, encrypts them with a user password (AES-GCM + PBKDF2), and stores them in IndexedDB. Private keys never leave the device unencrypted.
- Node.js 20+
- PostgreSQL database (Neon recommended)
# Install dependencies
npm install
# Set up environment variables
cp .env.example .env
# Push database schema
npm run db:push
# Start development server
npm run dev# Required
DATABASE_URL=postgresql://user:pass@host/db
# Blockchain (required for gasless transfers)
FACILITATOR_PRIVATE_KEY=0x... # Wallet that pays gas
ETHERSCAN_API_KEY=your_key # For transaction history
# External APIs
MAXFLOW_API_KEY=your_key # Trust network scoring
OPENAI_API_KEY=your_key # AI chat feature
# Optional
IP_SALT_SECRET=random_string # Sybil detection saltnpm run dev # Start dev server (frontend + backend)
npm run db:push # Push schema changes to database
npm run db:studio # Open Drizzle Studio for database
npx tsc --noEmit # Type check without buildingclient/ React frontend (PWA)
├── src/pages/ Route components
├── src/hooks/ Custom hooks (useWallet, useBalance, useXp)
├── src/lib/ Utilities (wallet, maxflow, gooddollar)
└── src/components/ UI components (shadcn-based)
server/ Express backend
├── routes.ts API endpoints (~9000 lines)
├── storage.ts Database interface (DatabaseStorage class)
├── db.ts Drizzle + Neon connection
└── facilitator/ Gasless transaction handlers
shared/ Shared types
└── schema.ts Drizzle schema + Zod validation
| Endpoint | Description |
|---|---|
GET /api/balance/:chain/:address |
Get USDC balance for chain |
GET /api/transactions/:address |
Get transaction history |
GET /api/maxflow/:address |
Get MaxFlow trust score |
GET /api/aave/apy/:chainId |
Get current Aave APY |
GET /api/exchange-rates |
Get fiat exchange rates |
| Endpoint | Description |
|---|---|
POST /api/transfer |
Submit gasless USDC transfer |
POST /api/aave/deposit |
Deposit to Aave savings |
POST /api/aave/withdraw |
Withdraw from Aave |
| Endpoint | Description |
|---|---|
GET /api/xp/:address |
Get XP balance and history |
POST /api/xp/claim |
Claim daily XP based on Signal |
POST /api/xp/redeem-usdc |
Redeem 100 XP for 1 USDC |
POST /api/xp/exchange-gd |
Exchange G$ for XP (50:1 rate) |
| Endpoint | Description |
|---|---|
POST /api/face-verify |
Submit face verification |
GET /api/face-verify/status/:address |
Check verification status |
| Action | XP Reward |
|---|---|
| Daily MaxFlow claim | (Signal²/100 + √Signal) / 2 |
| Face verification | 120 XP (after vouching someone) |
| First transfer received | 10 XP |
| 3 days of savings | 25 XP |
| GoodDollar exchange | 1 XP per 50 G$ |
Redemptions:
- 100 XP → 1 USDC (once per day, requires face verification)
- 1 XP → AI chat message
The XP system uses graduated multipliers based on trust signals:
| Tier | Multiplier | Criteria |
|---|---|---|
| Clear | 1.0x | Verified face + high trust |
| Warn | 0.5x | Some trust signals |
| Limit | 0.167x | Limited trust |
| Block | 0x | Duplicate face or suspicious |
Users can opt a percentage of their Aave yield into a weekly prize pool:
- Draws occur every Sunday at 00:00 UTC
- Tickets based on yield contributed, not principal
- Weighted random selection based on yield contribution
- Prize is distributed in USDC
- Local key storage: Private keys encrypted with AES-GCM
- PBKDF2 key derivation: 310,000 iterations
- No server-side keys: Facilitator only pays gas, never handles user funds
- Face verification: Liveness detection prevents photo attacks
- Duplicate detection: Euclidean distance matching on face embeddings
- viem - Ethereum library
- Aave - DeFi lending protocol
- MaxFlow - Trust network
- GoodDollar - UBI protocol
- face-api.js - Face recognition
- MediaPipe - Liveness detection
Issues and PRs welcome. If you're working on financial inclusion, gasless transactions, or offline-first crypto — let's talk.
MIT