Paysapp Stellar payments in Whatsapp, Telegram, Keybase, Matrix, Discord, Slack and Twitter! Send money to more than a billion people in the world using your preferred messaging app, any currency, any asset, in seconds with the unbreakable security of the Stellar Network. Goals: Reach the whole world sending Stellar assets using Whatsapp as a wallet. With a few simple text commands you can send any asset to your family and friends, businesses, fundraising campaigns, any recipient, any currency, any asset, any time. Money can't be simpler and that's the whole concept of a truly modern banking experience, welcome to Paysapp. Description: In a few words, just take a look: Pay 100 to Caroline That's how simple Paysapp is. With a handful of actions you can send money all over the world, check your balance, handle multiple assets, trade them in the Stellar marketplace, and to make it even simpler you can use your phone number or any vanity name you like. The messaging platform will be provided by Whatsapp and the unbreakable ledger by the Stellar Network, a match made in heaven. In order to test the platform you have to add +14155238886 to your Whatsapp contacts and send the following message 'join official-pleasure' to access the testing sandbox. Once greeted by the Whatsapp bot all comunication will be between our servers and your commands, now send 'hello' to activate your wallet and we will create a Stellar account with 10000 XLM for you to test. If you want to set a vanity name just send the command 'name Caroline' and that name will be reserved for you if not already taken, then people can send money directly to your phone number or Paysapp name. Isn't that awesome? From now on all you have to do is use the 'pay' command to send money all over the world. 'Pay 100 to George' and I will receive 100 XLM in my account. The default asset is XLM but you can easily change it to any of the 150 currencies in the world with this simple command 'asset USD' using any 3 char currency code. Want to send GOLD or SLVR? GOAT or HUGS? Easy peasy, we can trade any imaginable asset in the Stellar Exchange, but that'll take a bit longer, we're working on all the amazing features a modern wallet should have. Join us in this incredible journey, try Paysapp in the Testnet while we finish some details and prepare for the countdown. Lift off in 3, 2, 1... Timeline: Initial development and testing World currencies and top cryptos Expanding to all assets and trading Deposits via credit cards Withdrawals to bank accounts Multiple languages and internationalization World domination Links: Source code at https://github.com/kuyawa/paysapp Completed: x app icon x twilio registration and sandbox access x validate messages from twilio x database design x account registration x balance x set name x send payment x send msg to receiver after payment x account as qrcode x help formatting x asset price x transaction history x trustlines x multiple assets x trading assets x trading orders x trading history x cancel orders x orderbooks x database merging x inter-app messaging ~ Whatsapp bot (ongoing) ~ Telegram bot (ongoing) ~ Keybase bot (ongoing) ~ Matrix bot (ongoing) ~ Discord bot (ongoing) ~ Slack bot (ongoing) ~ Twitter bot (ongoing) In the pipeline: charts contacts set language set default country/currency by phone change default currency (currency JPY) minpay limit > 'Rejected by recipient' maxpay limit > Max limit reached' payment to external address 'pay 100 to GABY06...TO56' invoices as qrcodes for easy payment request merchant API webhooks (send payments to url) merchant API reports (send daily sales to url) PS. I know a billion dollar business when I see it. It's only a matter of coincidence between code and capital with a grain of luck to make it a reality. The code is almost ready... join us!

[unknown] That is a Twilio number providing the sandbox for testing. Did you send the 'join official-pleasure' message to the bot? That will give you access to the sandbox, once the bot replies to you send 'hello' to open a testing account with 10,000 XLM. Steps: Add Twilio bot +14155238886 to your Whatsapp contacts send join official-pleasure to bot (this is important to join sandbox) wait for bot reply (adding you to the sandbox) send register YourName (this is important to generate account, pick any name no spaces no symbols) wait for welcome message (account will be generated) Let me know if you can get your account ready.

After that you can send different actions like: pay 100 to George (that will send 100 XLM to me) 🙂 balance (will show your XLM balance) help (will show all commands available) I am working hard on getting more actions available like trade, price, sell, buy, assets, history, etc.

tavi Right now just XLM but soon you'll be able to send any asset available. pay 100 to George (sends XLM as default currency) pay 100 EUR to George (sends EUR from your assets) pay 500 BTC to George (sends BTC from your assets) currency EUR (will switch your default currency to EUR, not yet implemented) That's the idea, to send any of the 150 currencies in the world or any asset in the Stellar Network in seconds.

Paysapp - Stellar payments in Whatsapp

tavi

Can any Stellar asset be sent or just XLM?

Torkus

tavi

Right now just XLM but soon you'll be able to send any asset available.

pay 100 to George (sends XLM as default currency)
pay 100 EUR to George (sends EUR from your assets)
pay 500 BTC to George (sends BTC from your assets)
currency EUR (will switch your default currency to EUR, not yet implemented)

That's the idea, to send any of the 150 currencies in the world or any asset in the Stellar Network in seconds.

Torkus

[unknown]

That's an interesting question, right now Twilio is offering a $10 trial period and after that will charge half a cent per message which I can cover some of that for the moment. In the future I'll use some money from the contest if I win, look for venture capitalists or charge a cent per transaction to cover costs. That's definitely something to consider in a global service like this one since a million messages can bankrupt any startup in no time, but getting to a million messages is rewarding in itself and surely some doors will be open by then.

stellarkeys

Torkus The application is good but I think main problem is centralized payment collection idea. Why I and others should trust you (Paysapp) and WhatsApp to deposit/send money within WhatsApp. There is a much better solution for sending payments with a message and it is "Keybase". Also you cant handle SMS cost with the contest prize because there is no business model. As I said application is good but I dont wanna trust someone while sending my money to someone.

Torkus

[unknown]

To check your wallet just type 'account' and you will get the public key associated with your phone.

Torkus

stellarkeys

You don't deposit money to Whatsapp, you deposit money to your own Stellar account and nobody can touch that account except you, and the Paysapp bot of course.

Regarding trust, nobody trusted Paypal twenty years ago when they where called Confinity, two decades later their numbers are in the tens of billions of revenue and assets, the same can be said about Keybase, why would you trust them? why people trusted them when they started or even today?

Trust must be built step by step, and a thousand miles journey starts with the first step.

stellarkeys

Torkus If someone has access to my WhatsApp account , can he move move my money? Absolutely, yes!

There is tons of possible bad actors. Paysapp bot (your hosting hosting can be hacked, sms company can be hacked, yourself can be bad actor or hacked) , my sim card company (any bad actor clone my sim card and get access for WhatsApp) , WhatsApp itself. Any actor from this list can move my money without my permission.

Same can't be said for Keybase because with Keybase everything is happening on your client. Keybase is just transferring encrypted messages between peers. When you send XLM on Keybase it just signing a message and sending it to Horizon server. There is no Man-In-The-Middle.

Torkus

stellarkeys

No, nobody can move your money without your consent. Period. Nothing can be hacked, there is absolutely no way the money can be moved with all the safeguards in place. Still, you should never use a messaging platform as a vault, only as a quick spending tool for easy payments with global reach, that's the advantage of a simple messaging protocol for payments and that's exactly what Paysapp is.

The keyword here is global reach without sacrificing security.

Torkus

I am thinking about limiting the max amount of money that can be sent by messaging and also the min amount that can be received to stop spamming. Porn stars will have a hard time sending 0.000001 XLM to the whole world.

Not yet implemented but actions will be like 'minpay 1' and 'maxpay 100' so the user can set limits at their own convenience. For those who don't want limits or don't care at all they'll be set to 0 by default.

Thoughts?

Torkus

Tomorrow looks like testnet will be reset so all our accounts will be lost. No problem, we will regenerate them all again so we can continue testing. Asset price is coming along nice, stay tuned!

addirktive

Torkus
Testnet reset is Jan 29, you still got 2 months 😉

Torkus

addirktive

Thanks pal, I don't know where I read it was going to be today. How's your project coming along?

What do you think about Paysapp? Register a test account and let me know how you like it. I believe it can be world changer if properly executed. Wish me luck.

addirktive

SMTP just lost the battle to me so we are chugging along 😃
It sure looks interesting and a lot of people do but I'm not using Whatsapp so can't test this 🙁

Torkus

addirktive

Paysapp for Telegram is coming soon too so stay tuned!

Torkus

Asset price is available now, just send 'price' to the bot and it will reply with the current XLM price, send 'price BTC' and it will return price for any crypto after the tag. More in the pipeline...

Torkus

Multiple assets are now available to send. Trustlines are set automatically so we don't bother with extra steps, the whole idea is to make world payments as easy as possible.

pay 100 EUR to George
pay 200 USD to Caroline
pay 300 MXN to Pedro
pay 35.75 USD to Walmart
pay 19.95 USD to Amazon ref 78265756  (order tracking)

It can't be easier!

Torkus

If you want to test it, send me your Paysapp name so I can send you sample assets in USD, EUR and BTC. Also available JPY, CNY, INR, GBP, AUD, CAD, RUB, CHF, BRL, MXN upon request.

Testers wanted!

Torkus

Remember to set your name, any nick is ok, so we don't have to type the whole phone number to send money, then tell your friends about it.

name Skywalker
name DarthVader
name HelloKitty

then all we do is

pay 100 USD to HelloKitty
pay 500 EUR to Skywalker
pay 900 XLM to DarthVader

So remember to set your name when registering your account register JohnDoe so that name can be used to receive payments

Torkus

Paysapp for Telegram is coming along smoothly:

Here is how to test it:

Search for the Paysapp bot in Telegram and add it to your list
Type register HelloKitty to register your account and set your name
(any name, only chars and numbers, max 30)
Type balance to check your 10,000 XLM
Type account to see your public key
Type pay 100 to George to send me some play money 😀
Type help for more options

Whatsapp and Telegram bots are exactly the same, so even if telegram uses /commands we won't be using them so people can get used to the same actions in both apps.

Let me know how you like it, all critics welcome.

Torkus

Ok, just started developing the bot for Keybase so all major messenger apps are covered. With Whatsapp, Telegram and now Keybase it will be even easier to send money around the world in seconds.

The app is standardized so it works the same in all clients, just send pay 100 to George from any app and I will receive the money instantly, whether it's a mobile, desktop or web client.

A huge thank you to all the people in the Keybase chats that helped me get the bot up and running.

Keybase

Just add the Paysapp bot to your chats and type register YourName to start the journey.