TomoLabs

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

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Tech Stack

Ethers

Solidity

Web3

Description

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.

Core Payments Layer

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.

RWA Credit & On-Ramps

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.

Cross-Chain Swaps & Liquidity

TomoLabs integrates 1inch to enable efficient cross-ecosystem swaps, ensuring best execution and deep liquidity across chains within the payment flow itself.

Native Yield Generation

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.

Why TomoLabs

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.

Progress During Hackathon

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.

Fundraising Status

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.

Team Leader

Yyash yadav

Project Link

Sector

RWADeFiSocialFi