Problem
Paying utility bills in emerging markets is slow, fragmented, and often requires physical presence.�
Millions of unbanked or underbanked users have no access to modern online payment systems.�
Crypto holders cannot use their assets for everyday real-world needs like bills and services.�
Cross-border and local currency conversions come with high fees and complex processes.
Solution
Digipaga lets users pay utility bills directly with Mento stablecoins on the Celo blockchain.�
Embedded inside MiniPay, users enjoy seamless crypto payments without needing technical knowledge.�
Supports fiat-to-crypto and crypto-to-fiat with zero fees and real-time local currency conversion.�
Localized service provider lists for each country ensure real-world usability across regions.
Architecture
Frontend (Mini App Layer):
2. Wallet & Auth Layer:
Tech Stack
Frontend: Next.js, Tailwind CSS, Bun, TypeScript, Wagmi (React Hooks for Ethereum)
Backend & Smart Contracts: Solidity, Foundry (includes Forge, Cast, Anvil), Celo.
cUSD: 0x765DE816845861e75A25fCA122bb6898B8B1282a
USDT: 0x617f3112bf5397D0467D315cC709EF968D9ba546
Wallet Integration: MiniPay (embedded wallet)
Fee Abstraction: Celo and MiniPay allow gas fees to be paid with Mento stablecoins.
Hosting: Vercel
Team
Otto
Legendary Blockchain Developer and AI expert, Backend, Smart Contracts.
https://github.com/ottodevs https://twitter.com/aerovalencia https://warpcast.com/ottox
Oscar
Blockchain Product designer, creative director, UIUX designer, research & development.
https://github.com/ozkite https://twitter.com/ozkite https://warpcast.com/ozkite.eth
Live Demonstration running on MiniPay