CROSS PAY�REVOLUTIONIZING DIGITAL PAYMENTS

FAST, LOW-COST, AND REWARDING TRANSACTIONS WITH CELO MINIPAY

PROBLEM STATEMENT

• HIGH FEES AND SLOW TRANSACTIONS IN EXISTING PAYMENT SOLUTIONS

• LIMITED ACCESS FOR UNBANKED POPULATIONS

• LACK OF INCENTIVES FOR USING DIGITAL PAYMENT APPS

• BLOCKCHAIN ALTERNATIVES SUFFER FROM HIGH GAS FEES AND COMPLEXITY

COMPETITOR ANALYSIS

• PAYPAL & WISE: high fees and slow transfers

• ETHEREUM-BASED WALLETS: expensive gas fees and congestion

• VENMO & CASH APP: limited to specific regions, no crypto support

• CELO MINIPAY (STANDALONE): lacks incentives like nft rewards

OUR SOLUTION - CROSS PAY

• INSTANT USDT TRANSFERS USING CELO MINIPAY

• ULTRA-LOW TRANSACTION FEES

• NFT REWARDS FOR TRANSACTIONS

• SIMPLE, MOBILE-FRIENDLY INTERFACE FOR EASY ADOPTION

HOW IT WORKS

1. USERS CONNECT THEIR MINIPAY WALLET TO CROSS PAY.

2. THEY SEND USDT TO ANOTHER USER INSTANTLY WITH ALMOST NO COST.

3. EACH TRANSACTION EARNS THEM A UNIQUE NFT AS A REWARD.

4. NFTS CAN BE COLLECTED, TRADED, OR USED FOR DISCOUNTS AND PROMOTIONS.

BUSINESS MODEL

• REVENUE STREAMS:

- Small transaction fees on large-scale transfers

- NFT marketplace commissions

- Partnerships with financial platforms

- Premium features (subscription-based analytics & insights)

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• CUSTOMER SEGMENTS:

- Freelancers & remote workers

- Crypto-savvy users & defi enthusiasts

- Emerging market users looking for low-cost payments

TECHNOLOGY & ARCHITECTURE

• FRONTEND: next.js (react framework), tailwindcss

• BACKEND: node.js with express, firebase for user authentication

• BLOCKCHAIN: celo for transactions, openzeppelin smart contracts for nfts

• STORAGE: ipfs for decentralized nft metadata storage

CHALLENGES & SOLUTIONS

• MINIPAY SDK LIMITATIONS → built a proxy smart contract for flexibility

• NFT STORAGE COSTS → used ipfs for metadata off-chain

• TRANSACTION FINALITY DELAYS → optimistic ui for better user experience

• USER EDUCATION → created step-by-step guides & tooltips

NEXT STEPS

• BETA LAUNCH TO GATHER USER FEEDBACK

• SUPPORT FOR ADDITIONAL STABLECOINS LIKE USDC

• CROSS-CHAIN PAYMENTS (POLYGON & SOLANA INTEGRATION)

• BUILD PARTNERSHIPS WITH NFT MARKETPLACES & FINANCIAL SERVICES

CONCLUSION & CALL TO ACTION

• CROSS PAY IS REVOLUTIONIZING DIGITAL PAYMENTS WITH FAST, LOW-COST, AND ENGAGING TRANSACTIONS.
• WE ARE LOOKING FOR PARTNERS, INVESTORS, AND EARLY ADOPTERS TO BRING THIS VISION TO LIFE.
• GET IN TOUCH TO BE PART OF THE FUTURE OF PAYMENTS!