🌍 BPay – The Next-Generation Decentralized Bulk Disbursement & Invoicing Protocol

Streamlining business payments with intelligent automation and multi-chain support

Vision

BPay revolutionizes the way businesses manage payments by providing a decentralized protocol that simplifies bulk disbursements, invoice processing, and expense management. Our mission is to bridge traditional business finance operations with Web3 infrastructure, making complex multi-party payments as simple as a click of a button.

• Democratize Business Payments: Enable companies to distribute funds and manage invoices globally without banking constraints

• Web3 Infrastructure: Leverage blockchain technology for secure, transparent, and instant settlements

• Compliance-First Approach: Built-in regulatory compliance for multi-country operations with automated tracking

What is BPay?

BPay is a full-stack decentralized business payment protocol that combines smart contract automation with an intuitive dashboard interface. The platform abstracts away Web3 complexity while providing enterprise-grade features including bulk disbursements, split-bill management, invoice creation, real-time exchange rates via Chainlink, multi-chain support, and comprehensive team management.

Built on a modular architecture, BPay supports multiple blockchain networks, with initial deployment on arbitrum Sepolia and extensible support for other EVM-compatible chains. The protocol handles everything from batch payment distribution to invoice creation, split-bill management, compliance reporting, and transaction auditing through a unified interface.

Core Modules / Features

🔐 Secure Disbursement Engine – Smart contract-powered bulk payments with ReentrancyGuard and multi-signature protection

💱 Real-Time Exchange Rates – Chainlink oracle integration with CoinGecko fallback for accurate multi-currency conversions

📄 Invoice Management System – Create, send, and track invoices with automatic reconciliation of payments

💸 Split-Bill Functionality – Manage shared expenses for teams, clients, and projects with transparent allocation

🌐 Multi-Chain Support – Native arbitrum integration with extensible EVM compatibility (Ethereum, Polygon, Avalanche, BSC)

📊 Payment Dashboard – Detailed analytics, transaction monitoring, and compliance reporting tools

⚡ Instant Settlements – Sub-second confirmations with transparent blockchain explorer integration

📱 Responsive Interface – Mobile-first design with dark/light themes and PWA capabilities


High-Level System Architecture

Smart Contract Module Architecture

Bulk Disbursement Sequence Flow

Split Bill Lifecycle Sequence

Invoice Management & Payment Flow

Services / Use Cases

• Corporate Bulk Disbursements: Efficiently distribute funds to multiple vendors, contractors, or employees in a single transaction

• Invoice Generation & Tracking: Automate invoicing for services, projects, or subscriptions with real-time reconciliation

• Expense & Split-Bill Management: Share expenses across teams or departments, ensuring transparency and accountability

• Multi-Currency Operations: Automatic conversion with real-time crypto exchange rates

• Compliance Reporting: Generate automated documentation for auditing and regulatory compliance

• Subscription & Recurring Payments: Automate recurring disbursements for SaaS or service providers

Buildathon / Hackathon Deliverables

• ✅ Full-Stack dApp: Next.js frontend with TypeScript and Tailwind CSS

• ✅ Smart Contract Suite: Secure bulk disbursement contracts with invoice & split-bill modules

• ✅ Multi-Chain Integration: arbitrum Sepolia native support with EVM compatibility

• ✅ Real-Time Price Feeds: Chainlink integration with CoinGecko backup systems

• ✅ Invoice Management: Create, send, and track invoices seamlessly

• ✅ Split-Bill Management: Transparent team and project expense tracking

• ✅ Payment Analytics: Transaction tracking, compliance reporting, and audit trails

Accomplishments

🚀 Deployments – Live on arbitrum Testnet (Chain ID 421614) with EVM compatibility

Contract Addresses:

• Disbursement Contract: 0x9285eD1536835937928718DC4cc3adCD1698d44b

• Invoice & Split-Bill Contract: 0x31CeD57b89Ab17aBd9Ace3d5e1A1beCe5Ef73321

🔄 Transactions – Successfully processed bulk disbursements, invoice payments, and split-bill settlements with sub-second confirmations

Roadmap

Why BPay?

Community & Marketing

🔗 Ecosystem Integration:

• arbitrum Sepolia ecosystem participant

• RainbowKit wallet connectivity

• Chainlink BUILD program member

📱 Active Channels:

• GitHub open-source development

• Discord community for developers

• Twitter for product updates and announcements

🎤 Events & Partnerships:

• arbitrum developer meetups and hackathons

• Web3 business payments conferences

• Strategic partnerships with crypto payment providers

Team & Expertise

Kaushal Chaudhari – Full-Stack Developer & Protocol Architect Expert in React/Next.js, TypeScript, and blockchain development with extensive experience in DeFi protocols and smart contract security. Leading the development of BPay's core infrastructure, disbursement engine, invoice system, and UI design.

Core Technology Stack: Next.js 15, TypeScript, Tailwind CSS, Ethers.js, Wagmi, RainbowKit, arbitrum SDK, Chainlink Oracles, Solidity Smart Contracts, Web3 Authentication, Real-time Data Management

Links & Contact

🌐 Website: BPay

📧 Email: chaudharikaushal02@gmail.com
🔗 Socials:

• Discord: kaushal2866

• LinkedIn: KC Official