PingPay

Tech Stack

Solidity

Python

React

Ethers

SQLite

Description

PingPay is an AI-native money app built on Arbitrum that turns natural language into on-chain actions.
Pay people by handle, sweep idle stables into yield, and set investing rules — all from chat.

Money is still trapped behind borders and UX friction:

Cross-border payments are slow and costly.
Crypto wallets are unintuitive (addresses, gas, seed phrases).
DeFi yield is real, but fragmented and intimidating.

What we are building (3 primitives)

1) PAY — identity-based stablecoin payments (LIVE)

Send USDC to email / Telegram / WhatsApp identifiers using AI.

“Send $20 to mom on WhatsApp”
“Pay 100 USDC to abc@email.com”
“Send 50 USDC to @alice on Telegram”

How it works
- AI parses amount + recipient → PingPay generates/looks up a wallet → sends USDC on Arbitrum
- Recipient gets a claim link (Telegram bot/share) and doesn’t need PingPay or a crypto wallet.

2) SWEEP — automated idle cash yield (future)

Auto-supply idle USDC into safe yield. This treats stablecoins like a global checking account with built-in yield.

3) INVEST — natural language DCA + rules (future)

“Buy $5 ETH daily,” “double below $2K,” “take profit at 2x.” “If-this-then-that” investing rules expressed in plain language.

Progress During Hackathon

During the hackathon, we built PingPay’s Pay flow end-to-end: a chat-based AI interface that parses prompts like “pay $20 to @mom on Telegram,” shows a quick confirmation, and executes USDC transfers on Arbitrum with a tx hash and explorer link. We also implemented recipient auto-wallet creation so the receiver doesn’t need the PingPay app or a crypto wallet, plus a Telegram claim-link delivery flow (bot/share fallback) and an activity feed that updates status from ✅ on-chain confirmed to ✅✅ once the payment is claimed. PingPay is live on Arbitrum Sepolia Testnet.

Fundraising Status

Bootstrapped and open to fundraise.