CPPay
CPPay offers a Web2-Level user experience for Crypto Payments with Account Abstraction and AI Voice Automation, making transactions with fiat seamless using crypto assets, all in one interface
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Description
CPPay — Web2-Level UX for Crypto Payments
Tagline:
Instant, Gasless, AI-Driven, and Self-Custodial Crypto Payments for Everyone — from Smartphones to Feature Phones
🚀 Product Vision
CPPay bridges the gap between crypto payments and everyday fintech experiences.
Our mission is to make using crypto as effortless as using a Web banking app, while maintaining self-custody, gasless transactions, multi-wallet flexibility, and AI-assisted voice transactions.
By combining Account Abstraction (ERC-4337), AI voice automation, and USSD integration, CPPay delivers inclusive access and seamless transaction experiences for both smartphone and feature phone users across Nigeria.
🎯 Objective
Deliver a unified crypto payment platform where users can transact in crypto or Naira seamlessly — with one-tap confirmations, AI-powered automation, no visible gas fees, and complete control of their assets.
✅ Key Product Metrics
Goal | Description |
|---|---|
Speed | 95% of transactions complete end-to-end in ≤60 seconds |
Gasless Adoption | ≥90% of transactions sponsored or paid in ERC-20 tokens (no native gas) |
Wallet Flexibility | ≥70% of active users create/import multiple wallets and switch within one tap |
Batch Efficiency | ≥30% of users perform 5+ transactions in a single batch |
Secure Recovery | ≥50% of wallets enable social recovery within the first week |
USSD Accessibility | ≥80% of USSD-initiated airtime or bill payments succeed within 60 seconds |
AI Initiation Rate | ≥40% of recurring or predictive transactions initiated via AI prompts or recommendations |
💡 Why CPPay?
1. AI-Powered Payment Assistant
CPPay integrates an AI transaction layer that allows users to initiate, schedule, and confirm payments through natural-language prompts or predictive triggers.
Examples include:
“Send ₦2,000 to Daniel for airtime.”
“Top up my prepaid meter every Monday”
“Swap 10 USDT to NGN if the rate drops below ₦1,500”
The AI engine learns transaction habits, detects patterns, and automates micro-decisions — making CPPay not just a wallet, but a smart financial companion.
2. Mass-Market Fit
Nigeria’s fintech ecosystem thrives on ease of use. CPPay mirrors that experience, ensuring crypto payments feel exactly like Web2 fintech apps — no seed phrases, no gas tokens, no friction.
3. Inclusive Access
With USSD integration, CPPay expands reach to over 100 million feature phone users, bridging the gap between crypto and the unbanked population.
4. Technological Edge
Built on Account Abstraction (ERC-4337) and enhanced with AI and smart contract automation, CPPay introduces:
Gasless transactions
AI-initiated payments
Multi-wallet sessions
Social recovery & session keys
Smart batching for microtransactions
5. Revenue Potential
Transaction fees on sponsored gas
Partner commissions from airtime/bill payments
AI-enabled premium automations (e.g., predictive swaps)
White-label integrations for fintech and merchants
6. Scalable Infrastructure
Smart contracts are live across Hedera, Somnia, and Lisk networks — proving cross-chain scalability and readiness for mainnet deployment.
🔗 Demo & Smart Contracts
🎥 Web Link: https://cp-pay.vercel.app/
📋 Contract Addresses on Hedera:
CPPayPaymaster: https://hashscan.io/testnet/contract/0xdacC80e8606069caef02BD42b20D4067f896d101 BillPaymentAdapter: https://hashscan.io/testnet/contract/0x20e59dcCBD167A1345EDe8A748dD4e14e10FEE87 SessionKeyModule: https://hashscan.io/testnet/contract/0x5915f4BB40dD554bF0d756B224f5cadeDeC956B6 SwapRouter: https://hashscan.io/testnet/contract/0xe47af9cc9586C7812081743dBA0CdBbec7A2e3F9
📋 Contract Addresses on Somnia:
https://shannon-explorer.somnia.network/address/0x5915f4BB40dD554bF0d756B224f5cadeDeC956B6#code https://shannon-explorer.somnia.network/address/0xdacC80e8606069caef02BD42b20D4067f896d101#code https://shannon-explorer.somnia.network/address/0xe47af9cc9586C7812081743dBA0CdBbec7A2e3F9#code https://shannon-explorer.somnia.network/address/0x20e59dcCBD167A1345EDe8A748dD4e14e10FEE87#code
📋 Contract Addresses on Lisk:
CPPayPaymaster
https://sepolia-blockscout.lisk.com/address/0x9748fE3c0Bf3626e5453aE698B87876AC37FF1d9
BillPaymentAdapter
https://sepolia-blockscout.lisk.com/address/0x141Ae7C8C9d53701df68C98c8566dAf4f59A83E6
SessionKeyModule
https://sepolia-blockscout.lisk.com/address/0x660C73D94b851E3A01CeF6d530D3226511aE1a3c
SwapRouter
https://sepolia-blockscout.lisk.com/address/0x1E08536165d2862d7f7C5d83117C07DD40089d50
🌍 The Future of CPPay
CPPay is evolving into the AI-driven crypto payment backbone for Africa’s fintech ecosystem —
where sending crypto, paying bills, or topping up airtime feels as simple as chatting with your financial assistant.
This is more than a wallet — it’s the next evolution of intelligent, inclusive digital finance, powered by AI automation and Web3 innovation.
Progress During Hackathon
Implemented the smart contract for Bill payment, swapping of tokens to CNGN, and ensuring gasless transactions with the Paymaster. Implemented the backend API for disbursing naira using the paystack payment gateway Implemented a user-friendly interface for making Crypto-Naira transactions, Batch payments, scheduled payments, crypto sending, crypto receiving, crypto swapping, Airtime purchase, and Data purchase.
Tech Stack
Fundraising Status
Currently, an emerging start-up with no funding yet. Hope to get a fund to kick-start the operation from this hackathon.