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.

Can any Stellar asset be sent or just XLM?

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.

[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.

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

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.

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.

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.

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.

Paysapp - Stellar payments in Whatsapp

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.

Torkus

Right now there are three apps and three different databases isolated from each other, which means George from Whatsapp may not be the same as George from Telegram or Keybase, so if I send money to George in Telegram it may not be the one intended, creating confusion and support tickets galore.

I'm thinking on merging all databases an using only one so all apps communicate with the central DB and all apps can send messages among them so the money reaches the intended destination, that way I will be able to send money from whatsapp to telegram or keybase seamlessly without sacrificing security. A name will only be claimed by one user.

Pay 100 to George will send money to me no matter what app I am using or from which app the payment was sent. Paysapp won't force an app preference on the user, pick your favorite.

Jean-DanyCandio

Hello, I have just tested paysapp on Whatsapp. Everything works well but the 1000 xlm that I received; I sent 9000 xlm to the bot
So I thought it was a test. So are we going to reimburse my stellar?

Torkus

Jean-DanyCandio

Hey Jean, I just couldn't resist sending you some USD and EUR to test the platform. As Ethan said, all money is play money right now while we deeply test the bots so not a single penny moves without consent, unbreakable network as I like to call it.

Torkus

Hey guys, one cool thing we just added to all bots is the possiblity to send direct messages to any user in the Paysapp network. Say you received a payment from Pedro and you want to show your appreciation, or your son needs money for the weekend, easy peasy just say @Pedro thanks for your patronage or @BigDad send moolah for booze and the recipient will be notified instantly regardless of their messenger of choice, from Whatsapp to Telegram, from Keybase to Discord or Matrix, you don't know what app is Pedro using but rest assured he will receive the message.

The bots are rising...

@George Merry Christmas

Venere

Genius! Congratulations are geniuses like you that make dreams come true.How do you intend to make it available to the masses?? Marketing in the future?

Torkus

Venere

Hey Venere, thanks for the encouraging words, this is one of the most gratifying projects I've worked on in my whole life. There is an aggressive campaign for adoption coming on once we finish fixing all the little bugs and prepare the bots to go live and take over the world in a few days.

There is a lot of hope in the funds we will get from the SCF if people like you vote for us in the contest. That campaign will be primarily focused on media attention and virality since messaging apps are at the core of the Paysapp network so we will exploit that to the most. If we could arrange an airdrop to attract first users with some cash in their wallets that'd be awesome to get the money flowing even if it has been proved that airdrops are not the best campaign of all, but messaging platforms are another beast and they definitely spread like wildfire if the wind blows in the right direction.

We know this could reach millions with a lucky shot and we must be prepared for the flood when the gates open to the masses, we definitely can't be more excited for what's to come next...

NoelMartialNguemechieu

Good idea but still needs a lot of improvements .

Torkus

NoelMartialNguemechieu

Let us know what you'd like to see implemented so we can work on that.

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