🚩 Problem Statement

The Web3 ecosystem is highly fragmented. Users hold assets across multiple blockchains such as Ethereum, Arbitrum, Polygon, Base, Optimism, and BNB Chain.

However, making a simple payment across chains is extremely difficult and inefficient.

Key Problems:

• Fragmented balances
Users must switch networks repeatedly just to check their balances across different chains.

• Complex payment process
If a merchant wants payment on a specific chain and token, the payer must manually bridge assets, swap tokens, and manage multiple transactions.

• Gas dependency on multiple chains
Users need native gas tokens on each blockchain, otherwise their funds remain unusable.

• Security risks with centralized systems
If payment data is stored in traditional databases, admins or attackers can modify wallet addresses and redirect funds.

• Poor user experience
Multiple steps, technical complexity, and manual processes create friction and reduce adoption.

These problems prevent Web3 from achieving seamless and user-friendly payments.

💡 Our Solution — Trans-Pay

Trans-Pay is a unified cross-chain payment platform that allows users to create, share, and fulfil payment requests across multiple blockchains securely and seamlessly.

Trans-Pay abstracts all cross-chain complexity using:

• Intent-based execution
• Smart contract-secured payment requests
• Unified balance visibility
• Gasless swap and payment fulfilment
• Solver-powered liquidity execution

Users simply specify what they want to do, and Trans-Pay handles how it happens in the background.

⚙️ How Trans-Pay Solves These Problems

1. Unified Balance — Single View Across All Chains

Trans-Pay provides a Unified Balance Dashboard where users can see their total balance across multiple supported blockchains in one place.

Benefits:

• No need to manually switch networks
• Clear visibility of total cross-chain holdings
• Instant knowledge of spendable liquidity
• Better financial awareness and control

This removes fragmentation and simplifies asset management.

2. Secure Payment Request Using Smart Contracts

Merchants can create payment requests by specifying:

• Destination blockchain
• Preferred token
• Amount

Once created, the payment request is stored on a smart contract deployed on Arbitrum.

Why smart contracts are important:

Traditional databases are controlled by administrators, which creates security risks such as:

• Wallet address modification
• Payment redirection attacks
• Unauthorized database changes

Smart contracts are immutable, meaning once data is stored, it cannot be modified by anyone.

This ensures:

• Complete payment security
• Tamper-proof payment requests
• Fully decentralized trust model

After creation, a unique transaction ID is generated, which is shared with the payer.

3. Cross-Chain Payment Fulfilment Using Intent-Based Execution

The payer enters the transaction ID to load the payment request.

Even if the payer does not have funds on the destination chain, Trans-Pay allows them to fulfil the payment using funds from multiple source chains.

Example:

Merchant wants:
2.5 USDC on BNB Chain

Payer has USDC on:
• Arbitrum
• Polygon
• Optimism
• Base

Trans-Pay automatically:

• Sources liquidity
• Performs swap
• Bridges assets
• Completes payment

This removes manual bridging and swapping completely.

4. Solver-Powered Liquidity Execution

Trans-Pay uses a third-party solver to execute intents.

The solver:

• Provides liquidity on the destination chain
• Executes swap and bridge operations
• Completes the transaction seamlessly

This allows users to perform cross-chain payments in a single step.

5. Gasless Swap and Payment Execution

One of the biggest challenges in Web3 is gas fees.

Trans-Pay solves this by enabling gasless cross-chain swaps and payments.

Users do not need native gas tokens on multiple chains.

The solver handles:

• Gas fees
• Swap execution
• Bridge execution

This significantly improves usability and accessibility.

Users only need to approve token allowance once.

🔒 Security Advantages

Trans-Pay provides strong security guarantees:

• Payment data stored on immutable smart contracts
• No centralized control over payment data
• Protection against wallet redirection attacks
• Protection against address poisoning attacks
• Fully transparent and verifiable transactions

Entire project is built during the hackathon.

No fund raised But looking for the funding opportunity