PayWarp

PayWarp transforms how remote teams and individuals manage finances by combining automated budgeting, payroll processing, and expense tracking into a single gasless experience on Mantle L2. The platform addresses three core pain points:

1. VALUE EROSION: Inflation and idle funds destroy purchasing power, especially in emerging markets

2. FRAGMENTATION: Teams juggle 5+ tools (payroll, budgeting, expenses, banking) with manual reconciliation

3. COMPLEXITY: Crypto barriers (gas fees, seed phrases, wallet management) exclude mainstream users

CORE FEATURES:

Bucket System:

• Billings: Expense tracking with OCR (Gemini AI/Tesseract.js), auto-fills to 100% from surplus

• Savings: Goal-based allocations with milestone tracking and 1% bonus APY on completion

• Growth: High-yield RWA vaults with auto-compounding, minimum 20% allocation rule

• Instant: Payroll engine with CSV uploads, team management, and automated Chainlink cron payouts

• Spendable: Connected wallet balance for liquid transfers and withdrawals

Smart Automation:

• Custom split percentages (default 20/30/20/20/10, adjustable via sliders)

• Rule enforcement (e.g., surplus from Billings overflows to Growth)

• Session key approvals for recurring transactions (capped spending limits)

• Gasless transactions via Biconomy Paymaster sponsorship

RWA Integration:

• Connects to Ondo Finance tokenized T-bills and equity vaults (simulated for testnet MVP)

• Real-time yield visualization through animated liquid fills and rising bubbles

• 8-12% APY projections based on Mantle RWA ecosystem rates

User Experience:

• Social login via Particle Network (Google/email/phone) creates embedded smart accounts

• No seed phrases, no gas fees, no wallet popups after initial connection

• Framer Motion animations: liquid SVG bucket fills, particle.js yield bubbles, confetti on milestones

• Drag-and-drop transfers between buckets with gesture-based UI

• NGN/USD currency toggle with Chainlink price feeds

Payroll Features:

• CSV upload or manual team entry (wallet addresses or email invites)

• Salary scheduling with automated payouts on specific dates

• Batch processing for gas efficiency

• Provisional team member system (pending wallet verification)

Expense Management:

• OCR receipt scanning with AI extraction (amount, date, merchant, category)

• Manual entry fallback with form validation

• Blockchain logging for immutable audit trails

• Category-based tracking and reporting

Warp History:

• Timeline view with monthly/yearly filters

• Animated transaction replay ("rewind" effect with chronological bubble pops)

• Event syncing via wagmi getLogs for deposit/payout/split events

2025 Wrapped Carousel:

• Full-screen auto-advancing slides (8 panels, 5s each)

• Metrics: Total volume, inflow vs outflow, top assets, top 5 counterparties, peak activity day

• Biggest transaction spotlight with block explorer link

• Global percentile ranking and financial archetype assignment ("The Balancer", "The Saver", etc.)

• Social sharing (X post generation) and PNG export

• Mantle-branded gradients (purple-black theme)