Zaap

Project Name:

Zaap – No cash. No cards. Just Zaap.

Vision Statement:

Zaap empowers teenagers with financial independence while giving parents complete oversight — all through a privacy-first, Web3-native, and non-KYC digital payment system. Zaap bridges the gap between digital-native teenagers and responsible financial behavior.

Problem We Solve:

1. Lack of Digital Financial Tools for Teens: Traditional banks are too rigid or complex for minors, often requiring full KYC and adult co-signers.

2. Overdependence on Cash or Parent Cards: Teens lack autonomy in spending and learning money management.

3. Privacy Concerns with Banks: Minors are forced to share identity details with third parties.

4. No Real-Time Parental Oversight: Parents can’t track or limit teen spending effectively.

5. Web2 Limitations: Existing systems are centralized, outdated, and lack smart programmability.

Zaap Architecture Overview:

Dual Platform:

• Mobile App (Teens)

• Web Dashboard (Parents)

Auth:

• MetaMask Delegation Toolkit (DTK) for login by both teens and parents.

• Web3Auth Integration for social login alternatives (on web).

Payments:

• Circle Wallet SDKs for programmable money flow.

• MetaMask Smart Accounts for delegated spending.

• QR-Based Scan & Pay system.

Mobile App (Teen Interface):

1. Login with MetaMask DTK

2. View Wallet Balance (Delegated Smart Account)

3. Scan & Pay with QR Code

4. Send money to other teens or merchants

5. Privacy-first wallet – no KYC needed

6. Rewards or spending summary (optional future add-on)

Web App (Parental Dashboard):

1. Login with MetaMask DTK

2. Add/manage children wallets

3. Fund child wallets from parent MetaMask or Circle Wallet

4. Monitor spending in real-time

5. Set daily/monthly limits

6. View detailed transaction logs

7. Top-up via Circle’s developer wallet system

Tech Stack Used:

Key Features Summary:

For Teens (Mobile App):

• Login with MetaMask DTK

• Scan and Pay via QR

• Wallet-based payments

• No KYC required

• Fast and private transactions

For Parents (Web App):

• Add/manage multiple child accounts

• Fund wallets using MetaMask or Circle

• Track balances & set spend limits

• Control without invading privacy

• Login via MetaMask or Web3Auth

Breakthroughs & Pivots:

• Switched from traditional custodial systems to Circle SDKs to maintain control & flexibility.

• Chose MetaMask Delegation Toolkit to empower smart control over delegated wallets.

• Added Web3Auth for optional login methods to enhance accessibility.

Final Words:

Zaap is not just a payment app. It’s a statement — that teens can handle money smartly when given the right tools, and that privacy and responsibility should go hand in hand. With Zaap, we’re shaping the future of financial literacy and autonomy for the Web3 generation.

No banks. No paperwork. Just Zaap.

Let me know if you'd like this in a PPT, PDF, or Notion page format.