{"signature": "0x704efe86a6c3782799e6f1bc6ad44c37593823199dcaa23d878eb840d12ae3d120f9cd482928d9183b51702210988eb4da1e0c3e764316f83fe05befcdf32b621c", "application": {"round": "0xb91b59c91b09d127d269e53019f2420e8c2c7ce7", "answers": [{"type": "email", "hidden": true, "question": "Email Address", "questionId": 0, "encryptedAnswer": {"ciphertext": "RckfNBLRdvPqPX2cU2WMuyRjEm4OkuPg4/liVDeVdoA2E9lO136WE03OoZ86XmMt", "encryptedSymmetricKey": "3c5c65e9885696d6467606a6ccf11661f0ab29045bb3ebfc7e4cb02197b5925edc15ad2259c9ae1c38badadae3e4ad0ce4d671ec0b0fe60c369161b38fc2e07ccad17f3fbd8f97c08d0dc5fce2d6456920e2c171339937c25faed083b6ec18ab8b9c213e8c3b396958fac88ec97c4d44dc0d7faf28f5157b1081ae7cf562840d0000000000000020e811af67712682fbe54522375737dd89666b8860cc30eab61716a2dc05c34e535d812097cc0b65c3d08fd44a85580b86"}}, {"type": "short-answer", "answer": "MadaoChris", "hidden": true, "question": "Telegram Handle", "questionId": 1}, {"type": "short-answer", "answer": "https://github.com/UnipayFI/UniCard-Core", "hidden": true, "question": "Project GitHub Repo", "questionId": 2}, {"type": "short-answer", "hidden": true, "question": "Link to your Public Group Chat", "questionId": 3}, {"type": "short-answer", "hidden": true, "question": "Have you participated in a previous Gitcoin Grants Round? If so, please name the rounds or link the builder profile associated with previous rounds.", "questionId": 4}, {"type": "paragraph", "answer": "Our credit system enables comprehensive smart contract support for real-world payment scenarios. Specifically, the Unipay credit card and the mechanism for obtaining credit through collateral staking will provide developer toolkits. These toolkits allow developers to integrate and expand upon the capabilities we’ve built, empowering others in the ecosystem to create innovative payment and credit services. By offering these tools, we aim to foster growth and collaboration within the OSS ecosystem, making it easier for developers to build decentralized, credit-based solutions.\n\n", "hidden": true, "question": "How does your project contribute to the growth of the OSS ecosystem? Please provide specific examples of how your application enhances or expands the current ecosystem.", "questionId": 5}, {"type": "paragraph", "answer": "Our dApp, Unipay, offers a range of innovative features centered around decentralized payments and credit services. Key use cases include:\n\n1. **Decentralized Payments (PayFi)**: Unipay allows users to make secure, seamless payments across multiple blockchains, providing a smooth user experience for both consumers and merchants. It integrates traditional payment methods like QR codes and NFC, making it accessible to everyday users.\n\n2. **Decentralized Credit Cards**: Users can stake native assets like ETH or SOL to mint credit cards, with credit limits derived from the stablecoins generated through staking. Over time, 0.8% of the applied credit gets converted into unsecured lending, giving users greater financial flexibility.\n\n3. **Merchant Solutions**: Unipay offers payment terminals for merchants, enabling them to accept payments in crypto and participate in the decentralized financial ecosystem. Merchants benefit from cashback incentives for both buyers and sellers.\n\n### Differentiation:\nUnipay stands out by combining decentralized credit card issuance with comprehensive merchant payment solutions, creating a fully integrated financial ecosystem. Its progressive unsecured lending model and ability to support real-world payment methods (QR codes, NFC) on-chain offer a unique advantage over traditional systems and existing blockchain solutions.", "hidden": true, "question": "What features or use cases does your dApp/App present? How is it differentiated?", "questionId": 6}, {"type": "paragraph", "answer": "Our plans for further development focus on expanding Unipay’s core PayFi services and decentralized credit solutions. Key areas include:\n\nExpansion to More Blockchains: We plan to integrate additional blockchains like BNB Chain, expanding our reach and allowing more users to access our decentralized payment and credit services.\nEnhancing Merchant Payment Solutions: We aim to develop advanced tools for merchants, including more streamlined payment terminals, QR code/NFC options, and deeper integrations with local retail networks, ensuring seamless crypto payments.\nProgressive Unsecured Lending: We will further refine our progressive unsecured lending system, allowing users to build their credit profiles and access unsecured loans more easily, driving adoption in both developed and underserved regions.\nUse of Grant Funds:\nGrant funds will primarily be used to accelerate the development of these features:\n\nDevelopment Team Expansion: Hiring additional developers to accelerate feature builds and blockchain integrations.\nUser Acquisition and Merchant Partnerships: Investing in marketing efforts and building partnerships with merchants and local retail networks in key regions.\nSecurity and Audits: Ensuring the security of our platform by conducting rigorous audits of smart contracts and system components.\nThese efforts will help us scale Unipay and bring our decentralized payment and credit services to a broader audience.\n\n\n\n\nOur plans for further development revolve around expanding Unipay’s payment infrastructure and enhancing user experience across multiple blockchain networks. Key areas for further development include:\n\nCross-chain Payment Integration: We plan to extend Unipay's PayFi services to support additional blockchains beyond Ethereum and Solana, such as BNB Chain and Monad. This will allow users to transact seamlessly across different ecosystems.\nUnsecured Lending Expansion: We will refine and scale our progressive unsecured lending system, allowing users to build credit and access loans without collateral. This system will be enhanced with better credit scoring mechanisms and increased accessibility.\nMerchant Partnerships and Tools: A significant portion of the funds will be used to improve our merchant onboarding process, including the development of new payment tools like POS systems, NFC, and QR code integrations. These tools will make it easier for merchants to accept Unipay payments, facilitating wider adoption.\nSecurity and Smart Contract Audits: Ensuring the security of our users is a priority. Part of the grant will be allocated to conducting comprehensive audits of our smart contracts and payment modules to protect against potential vulnerabilities.\nUse of Grant Funds:\nGrant funds will be utilized to:\n\nAccelerate Development: Hire more developers to speed up the integration of new blockchains and features.\nMarketing and Adoption: Launch campaigns to onboard more users and merchants, particularly in regions with less access to traditional financial services.\nSecurity and Compliance: Ensure our smart contracts and system infrastructure undergo thorough security audits and meet compliance standards across regions.\nThese goals will help Unipay solidify its position as a leading decentralized payment and credit solution in the blockchain space.\n\n\n\n\n\n\n\n\n", "hidden": true, "question": "What are your plans for further development, and how will the grant funds be used to achieve these goals?", "questionId": 7}, {"type": "paragraph", "hidden": true, "question": "For any project deploying smart contracts on blockchain networks, please list all your deployer addresses and their corresponding blockchain networks. Use this format for each entry: [deployer_address], [chain_id]—for example, 0x123abc..., 42161 (This represents a deployer address on the Arbitrum network). Please include a separate line for each unique deployer address and blockchain combination.", "questionId": 8}], "project": {"id": "0x745ad2de7c59bc4bfaa230dbe3662842b771ecad19c7bec98156eb716d104df0", "title": "Unipay", "logoImg": "bafkreieswl6vtsdv7mgtn2yyksgqly4ptzmqmepfs5msxowjd46ifzyu44", "metaPtr": {"pointer": "bafkreifvz4rvvm6icx3pzfknpw7prl5eh7rkofkvvmialsnia5jsad3h7e", "protocol": "undefined"}, "website": "https://unipay.fi", "bannerImg": "bafkreidvsjzp6sljvvw4dufrhk2wvhvwi7jtuzabfxxuwcsoypwt2o6se4", "createdAt": 1727965843031, "userGithub": "Madao-3", "credentials": {"github": {"type": ["VerifiableCredential"], "proof": {"jws": "eyJhbGciOiJFZERTQSIsImNyaXQiOlsiYjY0Il0sImI2NCI6ZmFsc2V9..OqRFxIh1-qbGRzc6OQT6V5o9U4sgv0hO1ULgyLdYbH4Bs2ZWGwLYdSiNOI6qEaAg2jAsaYcV6LkTUkj13zDTCA", "type": "Ed25519Signature2018", "created": "2024-10-18T07:28:41.903Z", "proofPurpose": "assertionMethod", "verificationMethod": "did:key:z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC#z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC"}, "issuer": "did:key:z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC", "@context": ["https://www.w3.org/2018/credentials/v1"], "issuanceDate": "2024-10-18T07:28:41.903Z", "expirationDate": "2025-01-16T07:28:41.903Z", "credentialSubject": {"id": "did:pkh:eip155:1:0x00000000043DD264ca5E68e6853790E818e9Edb8", "hash": "v0.0.0:qlfXMSh7/YACMnaTT/GZCj/nCdlInvPVUsyagm+tSDM=", "@context": [{"hash": "https://schema.org/Text", "provider": "https://schema.org/Text"}], "provider": "ClearTextGithubOrg#UnipayFI#1069652"}}, "twitter": {"type": ["VerifiableCredential"], "proof": {"jws": "eyJhbGciOiJFZERTQSIsImNyaXQiOlsiYjY0Il0sImI2NCI6ZmFsc2V9..DE4WU5DL7ea8nxbVFL_5wweK5SA18TpAC0bA76miPZ75AUWV4z0uQNVjjcFsuGlfSC7VOOk4pCxod40QUw44Cg", "type": "Ed25519Signature2018", "created": "2024-10-03T14:29:43.797Z", "proofPurpose": "assertionMethod", "verificationMethod": "did:key:z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC#z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC"}, "issuer": "did:key:z6MkghvGHLobLEdj1bgRLhS4LPGJAvbMA1tn2zcRyqmYU5LC", "@context": ["https://www.w3.org/2018/credentials/v1"], "issuanceDate": "2024-10-03T14:29:43.795Z", "expirationDate": "2025-01-01T14:29:43.795Z", "credentialSubject": {"id": "did:pkh:eip155:1:0x00000000043DD264ca5E68e6853790E818e9Edb8", "hash": "v0.0.0:PcA9e6vkan6+S9G8cL6YKyvMfXNYryR9V0fhT5Gd6Mk=", "@context": [{"hash": "https://schema.org/Text", "provider": "https://schema.org/Text"}], "provider": "ClearTextTwitter#UnipayHQ"}}}, "description": "Unipay is a financial technology project that aims to revolutionize the way on-chain assets are integrated into everyday payments. By allowing users to leverage their staked cryptocurrencies—such as ETH, SOL, and APT—Unipay enables individuals to obtain virtual credit cards and access credit lines simply by staking their assets. One of its innovative features is the \"buy first, pay by stake (never)\" option, which allows users to make purchases and potentially repay debts through staking and restaking, without the need for upfront repayments.\n\nThe project seeks to break down traditional credit barriers by offering trust-based, collateral-free lending solutions. By aggregating both on-chain and off-chain information, Unipay creates a seamless bridge between decentralized finance (DeFi) and traditional payment systems. Its mission is to ensure that every on-chain address has equal access to financial services, expanding financial inclusion and empowering users to maximize the potential of their digital assets.\n\nImpact Goals:\n\nReshaping the Global Payment Ecosystem: Unipay aims to redefine transactions by integrating crypto utility with real-world access, making digital assets more usable in everyday life.\nFinancial Inclusion: By offering collateral-free lending and easy access to credit, it seeks to empower underserved groups who may not have access to traditional banking services.\nMaximizing Asset Potential: Users can earn yields on their staked assets while using them for real-world transactions, effectively amplifying their financial growth.\nAccelerating Crypto Adoption: Through features like cashback, rewards, and seamless integration with merchants, Unipay promotes wider acceptance and use of cryptocurrencies in daily transactions.\nIn summary, Unipay is building a bridge between decentralized finance and traditional payment systems to create a more inclusive, efficient, and accessible financial ecosystem for all.\n\n\n\n\n\n\n", "lastUpdated": 0, "projectGithub": "UnipayFI", "projectTwitter": "UnipayHQ"}, "recipient": "0xBB80eADb6Ccc27484125f92a6ceb16fBDdc23851"}}