Fiat + Stablecoin Payment Platform with PayDNA Authorization
1. Project Positioning / 項目定位
Delink PayFi is a fiat + stablecoin payment platform that combines PayDNA pre-payment authorization with Delink own channels, internal ledger settlement, L2 fallback, and merchant batch settlement. The product goal is not only to reduce gas, but to reduce the total cost of payment.
Delink PayFi 是一個結合法幣與穩定幣的支付平台，將 PayDNA 付款前授權、自有通道、內部帳本、L2 fallback 和商戶批量結算結合起來。它的目標不是單純省 gas，而是降低總支付成本。
Users see: total amount, service fee, network fee, paid API query fee, risk points, and authorization status.
客戶看到：總付款金額、服務費、網絡費、付費 API 查詢費、風險點和授權狀態。
Technical routing stays behind the scenes: internal ledger, L2, mainnet, treasury netting, or merchant batch settlement.
技術路由隱藏在後台：內部帳本、L2、主網、資金淨額結算或商戶批量結算。
Delink PayFi 黑客松進展匯報
Bilingual Hackathon Progress Report | 繁體中文 + English
Project: Delink PayFi / PayDNA · Version: Demo Day Draft · Date: June 2026
Executive Summary / 執行摘要
繁體中文 | English |
Delink PayFi 是一個結合法幣與穩定幣、自有低費通道、商戶批量結算和 PayDNA 安全授權的支付平台 MVP。 | Delink PayFi is a fiat + stablecoin payment platform MVP with own-channel fee reduction, merchant batch settlement, and PayDNA pre-payment authorization. |
核心價值不是單純降低 gas，而是降低總支付成本：更少手續費、更少操作步驟、更少不可逆損失。 | The core value is not only lower gas. It reduces total payment cost: fewer fees, fewer steps, and fewer irreversible losses. |
目前已完成 PayFi Quote API、PayDNA 授權卡、付費 API 預算控制、風險點展示、Chrome 插件 Demo、README、PPT 和講稿材料。 | The current MVP includes PayFi Quote APIs, a PayDNA authorization card, paid API budget control, visible risk points, a Chrome extension demo, README, pitch slides, and scripts. |
1. 項目定位 / Project Positioning
繁體中文
本次黑客松中，我們將最初的穩定幣錢包概念升級為 Delink PayFi：一個結合法幣與穩定幣、自有低費通道、商戶批量結算和 PayDNA 安全授權的支付平台 MVP。
項目的核心目標不是做另一個錢包，也不是只做 gas 優化工具，而是降低用戶在真實支付場景中的總支付成本。這裡的總成本包括明面手續費、網絡費、FX 費、付費 API 查詢費、操作成本，以及錯付或詐騙造成的不可逆損失。
一句話定位：Delink PayFi reduces total payment cost: fewer fees, fewer steps, and fewer irreversible losses.
English
During this hackathon, we upgraded the original stablecoin wallet concept into Delink PayFi: a fiat + stablecoin payment platform MVP with own-channel fee reduction, merchant batch settlement, and PayDNA authorization.
The project is not just another wallet or gas optimization tool. Its goal is to reduce the total payment cost in real payment workflows: explicit service fees, network fees, FX fees, paid API query fees, operational friction, and irreversible loss risk from wrong-address or scam payments.
One-line positioning: Delink PayFi reduces total payment cost: fewer fees, fewer steps, and fewer irreversible losses.
2. 核心架構 / Core Architecture
繁體中文
Delink PayFi 採用雙層架構：PayFi 負責支付、報價與結算；PayDNA 負責付款前的安全授權。
PayFi 層：比較 Delink 自有通道、內部帳本、L2 穩定幣付款、Ethereum mainnet 和 card baseline。
PayDNA 層：將收款地址、付款目的、金額、費用、風險點和授權摘要組合成一張 Secure Charge Card。
Risk / Broker 層：只有在用戶主動啟用並設定 paid API budget 後，才允許調用 x402-style paid verification。
用戶界面故意保持簡潔：只顯示 customer pays、total fee、service fee、network fee、paid API query fee、estimated savings、risk points 和 authorize payment。技術路徑細節被隱藏在 View Details 裡。
English
Delink PayFi uses a two-layer architecture: PayFi handles payment quotes and settlement options, while PayDNA handles pre-payment authorization and safety.
PayFi layer: compares Delink own channels, internal ledger, L2 stablecoin payment, Ethereum mainnet, and card baseline.
PayDNA layer: turns recipient address, payment purpose, amount, fees, risk points, and authorization summary into a Secure Charge Card.
Risk / Broker layer: x402-style paid verification can only be called when the user explicitly enables it and sets a paid API budget.
The user interface is intentionally minimal: it shows customer pays, total fee, service fee, network fee, paid API query fee, estimated savings, risk points, and authorize payment. Technical route details are hidden under View Details.
3. 目前已完成的功能 / Completed Features
繁體中文
1. PayFi Quote API：已實現 POST /api/payfi/quote 和 POST /api/payfi/authorize。
2. 自有通道降費邏輯：優先使用 Delink Balance + Merchant Batch Settlement，減少每筆小額付款的鏈上網絡費。
3. PayDNA 授權卡：用戶看到總費用、服務費、網絡費、付費 API 查詢費、節省金額和風險點。
4. 付費 API 成本控制：paid verification 預設關閉，只有用戶主動啟用並設定預算才可能產生 paid API query fee。
5. 風險點展示：系統會清楚列出付款目的異常、金額異常、demo hard-block 等風險原因。
6. Chrome 插件 Demo：支援低費付款、付費風控預算、可疑付款阻擋和授權流程。
7. 提交材料：已完成 README、PPT、中文逐頁講稿、中英文講稿、Q&A 和 demo video 分鏡。
English
1. PayFi Quote APIs: implemented POST /api/payfi/quote and POST /api/payfi/authorize.
2. Own-channel fee reduction: prioritizes Delink Balance + Merchant Batch Settlement to reduce per-payment network fees.
3. PayDNA authorization card: shows total fee, service fee, network fee, paid API query fee, estimated savings, and risk points.
4. Paid API cost control: paid verification is off by default and only produces a paid API query fee when the user opts in and sets a budget.
5. Risk-point display: suspicious purpose, large-amount policy, demo hard-block, and other risk reasons are shown clearly.
6. Chrome extension demo: supports low-fee payment quote, paid verification budget, suspicious payment blocking, and authorization flow.
7. Submission materials: README, pitch deck, Chinese slide-by-slide script, bilingual script, Q&A, and demo video plan are prepared.
4. Demo 場景 / Demo Scenarios
繁體中文
Demo 1：低費正常付款。用戶輸入 50 USD，payment method 為 stablecoin balance，merchant settlement 為 USDC，paid API verification 關閉，prefer Delink own channel 打開。系統返回 paid API query fee = 0、network fee = 0、selected channel = Delink Balance + Merchant Batch Settlement，並展示相對 card / mainnet 的預估節省。
Demo 2：用戶主動啟用付費風控。用戶勾選 Use paid risk API verification，並設定 Maximum paid API budget = 0.05 USDC。系統只在 quote 小於用戶預算時才使用 paid verification，並清楚顯示 paid API query fee。
Demo 3：可疑付款。用戶輸入 high-risk demo address，付款目的為 urgent refund, pay immediately, do not check，金額為 500 USD。系統返回 Payment Blocked 或 Payment Needs Review，並列出風險點。
English
Demo 1: Low-fee normal payment. The user enters 50 USD, chooses stablecoin balance, sets merchant settlement to USDC, keeps paid API verification off, and enables Delink own channel. The system returns paid API query fee = 0, network fee = 0, selected channel = Delink Balance + Merchant Batch Settlement, and estimated savings versus card / mainnet baselines.
Demo 2: User-enabled paid verification. The user turns on paid risk API verification and sets Maximum paid API budget = 0.05 USDC. The system only uses paid verification when the quote is within the user budget, and clearly displays the paid API query fee.
Demo 3: Suspicious payment. The user enters the high-risk demo address, purpose “urgent refund, pay immediately, do not check”, and amount 500 USD. The system returns Payment Blocked or Payment Needs Review and lists clear risk points.
5. 創新點與差異化 / Innovation and Differentiation
繁體中文
不是單純最低 gas：我們優化的是總支付成本，而不是單筆鏈上交易的 gas。
不是單純錢包：我們在付款前生成 PayDNA 授權卡，而不是讓用戶直接信任裸地址。
不是單純風控掃描器：我們把風險信號、費用、付費 API 預算和商戶結算策略整合成付款授權決策。
不是單純 x402 demo：x402-style paid verification 被放在 Broker 後面，只有用戶主動授權並設定預算時才會使用。
可以用一句話總結：Delink PayFi 是法幣與穩定幣支付流程中的付款授權與低費結算層。
English
Not just lowest gas: we optimize total payment cost, not only the gas fee of one on-chain transaction.
Not just a wallet: we generate a PayDNA authorization card before the user trusts a raw address.
Not just a risk scanner: we combine risk signals, fees, paid API budget, and merchant settlement policy into one payment authorization decision.
Not just an x402 demo: x402-style paid verification sits behind a Broker and can only be used when the user opts in and sets a budget.
One-line summary: Delink PayFi is the authorization and low-fee settlement layer for fiat + stablecoin payments.
6. 限制與風險邊界 / Limitations and Risk Boundary
繁體中文
目前 Demo 不移動真實資金，只展示 quote、authorization 和 ready-to-execute receipt。
x402 paid verification、部分 xAPI-style evidence 和部分路由仍為 mock。
法幣出入金、商戶 KYC/KYB、真實資金託管、合規支付牌照仍需接入受監管合作方。
自有通道和商戶批量結算目前為模擬邏輯；真實產品需要清算、資金管理和合規基礎設施。
我們會在提交和演示中明確說明：本項目目前是支付機制與授權流程的 MVP，而不是已上線的金融服務。
English
The demo does not move real funds; it demonstrates quote, authorization, and ready-to-execute receipt generation.
x402 paid verification, parts of xAPI-style evidence, and route quotes are still mocked.
Fiat on/off ramp, merchant KYC/KYB, custody, and regulated payment licensing require regulated partners.
Own-channel settlement and merchant batch settlement are simulated; production requires clearing, treasury, and compliance infrastructure.
In the submission and demo, we clearly state that this is an MVP for payment mechanism and authorization flow, not a live financial service.
7. 下一步計畫 / Next Steps
繁體中文
1. 接入真實 Etherscan / Blockscout wallet-path API，展示 fetched_real_data=true 的場景。
2. 接入真實 x402 facilitator 或 x402-compatible paid risk API。
3. 增加 Base / L2 testnet 穩定幣支付演示。
4. 建立 Merchant Settlement Console，展示商戶可用餘額、批量結算和 blocked payments。
5. 沉澱 Payment Trust Graph，記錄付款目的、商戶、地址、路由、風險點和爭議結果。
6. 擴充 Risk Oracle adapters，例如 scam report、sanctions list、phishing blacklist 和 market data。
English
1. Connect real Etherscan / Blockscout wallet-path APIs and demonstrate fetched_real_data=true.
2. Integrate a real x402 facilitator or x402-compatible paid risk API.
3. Add a Base / L2 testnet stablecoin payment demo.
4. Build a Merchant Settlement Console for available balance, batch settlement, and blocked payments.
5. Develop a Payment Trust Graph that records payment purpose, merchant, address, route, risk points, and dispute outcomes.
6. Expand Risk Oracle adapters such as scam reports, sanctions lists, phishing blacklists, and market data.
Short Version for Team Update / 團隊更新短版
繁體中文：
本次黑客松中，我們將 Delink 從穩定幣錢包概念升級為 Delink PayFi：一個結合法幣與穩定幣、自有低費通道、商戶批量結算和 PayDNA 安全授權的支付平台 MVP。
目前已完成 PayFi Quote API、Chrome 插件 UI、付費 API 成本控制、風險點展示、低費通道比較、README、PPT、講稿和 Demo 分鏡。
核心價值是降低總支付成本：更少手續費、更少操作步驟、更少不可逆損失。
English:
During this hackathon, we upgraded Delink from a stablecoin wallet concept into Delink PayFi: a fiat + stablecoin payment platform MVP with own-channel fee reduction, merchant batch settlement, and PayDNA authorization.
We have completed the PayFi Quote API, Chrome extension UI, paid API cost control, risk-point display, low-fee channel comparison, README, pitch deck, scripts, and demo plan.
The core value is reducing total payment cost: fewer fees, fewer steps, and fewer irreversible losses.
Sources / 資料來源
1. World Bank Remittance Prices Worldwide: reports global remittance cost data, including the 6.36% global average cost figure used in this document. URL: https://remittanceprices.worldbank.org/
2. Coinbase x402 documentation: describes the x402 / HTTP 402 Payment Required workflow for programmatic payments. URL: https://docs.cdp.coinbase.com/x402/
3. Etherscan API V2 documentation: describes multichain access through chainid and a unified API key system. URL: https://docs.etherscan.io/introduction
4. Ethereum Layer 2 documentation: describes L2 as a scaling approach that reduces transaction costs by processing transactions off L1 and settling/batching to L1. URL: https://ethereum.org/layer-2/learn/
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