TomoLabs is an on-chain payment rail that brings Splitwise-style payments to Web3, with built-in RWA credit lines, seamless on-ramps, cross-chain swaps via 1inch, and native yield generation—making it
TomoLabs is an on-chain payment rail built for Web3 and real-world assets (RWAs). It simplifies how individuals and businesses split, settle, and manage payments on-chain—while making every transaction capital-efficient.
TomoLabs brings Splitwise-like payment splitting to Web3, enabling transparent, trust-minimized settlements across wallets and chains. It acts as a PayPal-style payment layer, abstracting blockchain complexity for everyday payments and shared expenses.
The platform supports RWA-backed credit lines and seamless fiat on-ramps, allowing users to access liquidity without selling their on-chain assets. This bridges traditional finance and Web3 into a single, unified payment experience.
TomoLabs integrates 1inch to enable efficient cross-ecosystem swaps, ensuring best execution and deep liquidity across chains within the payment flow itself.
Idle balances are not left unproductive. TomoLabs leverages Uniswap v4 hooks to enable programmable, on-chain yield generation, routing funds into transparent and efficient strategies. This system is built with insights from our participation in the Uniswap Foundation UI7 program, ensuring alignment with next-generation AMM design.
TomoLabs is more than a payments app—it is a foundational payment infrastructure for RWAs and Web3, purpose-built for splitting payments, accessing credit, and generating yield, all within a single, composable on-chain system.
During the hackathon, we made significant progress toward making Web3 payments more accessible and user-centric. RWA Credit Line Integration We successfully added an RWA-backed credit line, enabling users to access liquidity without selling their assets. This brings real-world financial utility directly into on-chain payments. Crypto Mode for Web2 Users We introduced a Crypto Mode designed specifically for Web2 users, allowing them to transition smoothly into RWA and Web3 payments without friction or steep learning curves. UX-First Payment Flow A strong emphasis was placed on user experience, abstracting away wallet complexity, transaction steps, and on-chain jargon to create an intuitive, familiar payment journey. Together, these improvements move TomoLabs closer to its goal of becoming a seamless payment rail for RWAs and Web3, lowering entry barriers while preserving the power of decentralized finance.
Grants & Security Backing We have received a $4,000 grant from Webacy, which is supporting the security and risk infrastructure of the application, strengthening user trust and protocol safety. Ecosystem Recognition TomoLabs was featured among the Top 2 projects expanding the U2U ecosystem from India, highlighting our traction and relevance within the regional Web3 builder community. Early Traction We have already onboarded 50+ beta testers, validating demand for on-chain payment splitting, RWA credit, and UX-focused Web3 payments. Looking Ahead with Mantle We are seeking Mantle’s support to scale TomoLabs into a more inclusive RWA payment infrastructure, expand user access, and accelerate development of a production-ready payment rail for Web3 and real-world assets.