💰 RonPay

Hackathon Note: We were unable to verify ourselves from Nigeria during the testing period. Please consider this when reviewing the live demo.

AI-Powered Financial Freedom for Africa. Send money, buy airtime, and pay bills using natural language within MiniPay.

---

🌟 What is RonPay?

RonPay is an intelligent payment agent built for the next generation of mobile users in Africa. By combining the power of Large Language Models (LLMs) with the Celo Blockchain, we've removed the complexity of decentralized finance.

No more copying long wallet addresses or calculating exchange rates manually. Just tell RonPay what you want to do.

You: "Buy 1000 Naira MTN airtime for 08142293610"
RonPay: "✅ Got it! I've prepared your ₦1,000 airtime purchase for 0.67 USDm. Click confirm to sign."

🚀 Key Features

💬 Natural Language Intelligence

Powered by Google Gemini 2.0 and Claude 3.5, RonPay parses your intent instantly.

• Multilingual: Supports English, French, Spanish, and Portuguese.
• Intent Detection: Automatically distinguishes between P2P transfers, airtime purchases, and bill payments.

⚡ Instant Cross-Border Remittance

• Mento Protocol Integration: Uses real-time stabilized exchange rates for USDm, NGNm, KESm, BRLm, and EURm.
• Ultra-Low Fees: Save up to 95% compared to traditional remittance services.
• Direct signing: Sign and send in seconds using MiniPay's injected wallet.

� Utility & Bill Payments

• Airtime & Data: Instant top-up for MTN, Airtel, Glo, and 9mobile via Nellobytes integration.
• Automated Verification: Backend validates blockchain receipts before triggering utility fulfillment.
• Bill Auto-Pay: (Beta) Pay for electricity and TV subscriptions using natural language commands.

� Smart Financial Management

• Balance Tracking: "Check my USDm balance" or "Show me my NGNm holdings".
• Real-time Timestamps: Every message is tracked with live timestamps for better transaction logging.
• Default Country Localization: Pre-configured for the Nigerian market with 🇳🇬 Nigeria as the default country.

🛠️ Tech Stack

• Frontend:
  • Next.js (React)
  • Wagmi & Viem (Celo/Blockchain interaction)
  • Lucide React (Icons)
  • Tailwind CSS (Styling)
• Backend:
  • NestJS (Node.js framework)
  • TypeORM (Database mapping)
  • Viem (Blockchain verification)
• AI/LLM:
  • Google Gemini 2.0 API
  • Anthropic Claude 3.5 API
• Infrastructure:
  • Mento Protocol (Exchange rates)
  • Nellobytes (Utility API)
  • Celo Blockchain (Settlement Layer)

🏗️ Architecture

graph TD
    A[User Message] --> B[AI Intent Parser]
    B --> C{Action Detected}
    C -->|Send Payment| D[Mento Routing & Build Tx]
    C -->|Buy Airtime| E[Treasury Tx & Nellobytes Order]
    D --> F[MiniPay Sign & Broadcast]
    E --> F
    F --> G[Backend Execution & Verification]
    G --> H[Final Status in Chat]

Loading

📂 Project Structure

ronpay/
├── Frontend/           # Next.js web application
│   ├── apps/web/       # Main chat interface
│   └── components/     # UI & Payment components
├── backend/            # NestJS API & Oracle
│   ├── src/ai/         # Gemini & Claude prompt logic
│   ├── src/blockchain/ # Celo & Mento integration
│   ├── src/nellobytes/ # Airtime fulfillment logic
│   └── src/payments/   # Transaction lifecycle management
└── scripts/            # Debugging & maintenance tools

🛣️ Roadmap

✅ Phase 1: Foundation (Current)

• AI Intent Parsing (Gemini/Claude)
• MiniPay Wallet Integration
• Mento Protocol Cross-Currency Routing
• Airtime Purchase Flow (Nellobytes)
• Real-time Transaction Verification

🚧 Phase 2: Growth (Q2 2026)

• Multi-Step Recurring Payments
• ODIS Phone Number Resolution (Send money to phone contacts)
• WhatsApp & Telegram Bot Interface
• Expanded Bill Payments (Electricity, Water, TV)

🔮 Phase 3: Scaling (Q3 2026+)

• Merchant API for RonPay
• Voice Command Support
• 10+ New African Markets (Ghana, Kenya, Rwanda, etc.)

🤝 Contributing

We welcome contributions! Please see our contributing guidelines or open an issue for discussion.

📄 License

Distributed under the MIT License. See LICENSE for more information.

---

Built with ❤️ for the Celo Ecosystem.