Hey,
This topic is for Stellar Build Challenge submission.

@PapayaBot (https://t.me/PapayaBot) is a Telegram chat-bot, multi-currency wallet. You can use it inside Telegram on any platform: Windows, Linux, macOS, Android, iOS.
You don't need to take care of private keys or remember complex passwords. Your wallet linked directly to your Telegram account and you are the only one, who can access it. If you have concerns about other people accessing your device or government trying to hijack your account - those problems are already solved by Telegram.

KEY FEATURES:
- It supports multiple currencies (all are assets on Stellar network)
- I'm trying to make it as easy to use as possible, even for people who don't know anything about blockchain
- It's meant to support any user languages (at the moment just English and Russian). Community help needed to translate into more languages.
- Internal apps. Wallet will have it's own internal apps, which will extend it's functionality, for example different investment options, gambling or anything else. At the moment there are 2 apps: for swapping currency you have to currency you want, and another one for peer-to-peer trading (somewhat similar to localbitcoins). Will be an easy way to cash in and out (anywhere ATM concept).
- supports invitations through email and SMS. You can send money to email@domain.com*papayame.com and person will get email invitation to add @PapayaBot and receive your transfer. If they don't act for some time, sent assets will be returned to you.
- Send to BTC address directly

UPDATES SINCE FIRST SUBMISSION
- Initially we didn't have support for XLM and all Stellar features were hidden from users. But we decided to make it more friendly for Stellar community and now you can use it as XLM wallet.
- We externalised part of the application, responsible for BTC wallet. Now it's not built-in, but uses external BTC anchor (https://btc.papayame.com). I hope it will help to improve liquidity for XLM/BTC pair, which will make exchange for wallet users cheaper and faster.
- We've reworked our p2p trading module, splitted into 2 parts, which will help us to migrate currency swaps to be based on Stellar Decentralized Exchange (not finished yet).
- Voluntary mobile number, location and document based verification for safe trading

ROADMAP
- More anchors for other cryptos coming
- Exchange and path payments on the network
- Internal apps and integrations with other Stellar projects

SCREENSHOTS

settings

receive

receive BTC

swap

Feedback is always welcome!

9 days later

If this links to Telegram how are the keys stored? I'm guessing the bot holds the keys? I know nothing about telegram so I really don't know. But if the bot holds the secret keys then it would not be very secure method for a wallet with much money in it.

    Looks like a cool feature for Telegram users. I'm testing it out using the web-based version of Telegram - when I try to deposit USD it takes me through the prompt to post an exchange trade - may be a bug in need of fixing

      sacarlson
      Yes, there is 1 single account for all users and keys are stored on the server. There is no other way to make it simple for users while working through chat bot. My goal is to make it extremely simple for those who's not aware how to keep their keys secure.

      breznikov7
      It's not a bug, the only way to get USD into your account right now - trade with other users. For that you need to find existing offers or create your own (that's why you're prompted for the exchange rate). Feel free to message me directly on Telegram @umbre1 if you need more help. I speak Russian.

          2 months later

          Hi Everyone,
          Who can help me with translating bot into different languages? Currently there are only English and Russian.
          Would be cool to have Spanish, Arabic, Mandarin and others

            this is great. really quick start wallet and easy to use.

            i added the AUDT as a preferred currency. but no offers for exchange. is there an anchor backing this AUDT?
            i can do Mandarin translation for this. send me the strings to translate. maybe on telegram? i'm @hatchxah ok, re: AUDT i see now. i can go to deposit and buy to get PapayaAUDT ..

            24 days later
            13 days later

            Here's an update about PapayaBot:

            • Created landing page https://papayabot.com to better explain people what it is about
            • Swap currency app updated to work-around horizon path-finding limitations
            • Added new currencies: BCH, LTC, ETH using https://apay.io anchor
            • Replaced EURT by EURT.Tempo, that means people can still trade it peer-to-peer, but they can also go to Tempo and make direct deposit/withdrawal
            • With community help added new languages, now it supports: English, Russian, Italian, Mandarin
            • Produced User Guide: How to use Papaya Wallet
            • Updated every function: Receive funds, Send funds, Trading, added new options, such as memo support and improved workflow, so user doesn't need to go always in 1 direction and cancel/startover if he wants to modify something.
            • Better handling of federation failures
            • In October there were 200 active users, trying it out, transacting and swapping currencies
            • There have been quite a few bugs, so we're bringing one more developer into the project to help.

            Future plans:

            • Arabic and Spanish localisation
            • Group chat features: rates, tipping, escrow
            • Start actively promoting p2p trading through our platform
            • More internal apps

            All mentioned things are still on test environment only, going live within a week when we finish testing.

            10 days later

            Hey,
            mentioned above update has been released.

            Check out new Wallet User Guide

            As always let me know if you face any issues!

            25 days later

            hello

            ".** XLM reserved for active transactions "

            how can i complete that transactions. is there a bug?

              zdmr It's a precaution on my part, when something unexpected happens I lock funds until I have time to manually check what happened. In this case account creation wasn't supported at the time when you tried it, but I added this function today.
              You've already contacted through support group, so I hope everything is ok.

              • zdmr replied to this.

                  umbrel thanks dude, its OK now. good work ?

                    a month later

                    I guess I replied to you already in another channel,
                    by "stuck" do you mean reserved? "reserved" funds expire after some time and can be used again.

                    Thanks, help with translations is appreciated, you can find link to the google doc from within the bot and/or send me your email address on Telegram @umbre1 I'll give you editing rights, not just commenting

                    8 days later

                    We have updated @PapayaBot.
                    - New version solves the problem described above, when bot doesn't react to any commands. From now on it should work fine for new users arriving with non english locale
                    - Ethereum address validation rules are relaxed, before it was accepting only "checksummed" addresses like 0xBB9bc244D798123fDe783fCc1C72d3Bb8C189413, now it will also accept lowercased
                    version 0xbb9bc244d798123fde783fcc1c72d3bb8c189413
                    - Removed wrong warning about fees when transferring ETH / BTC / BCH / LTC to other Stellar users. There was never any fee for internal transfers, however when we added information about withdrawal fee a week ago - by mistake it was showing for internal transfers too

                    More features were released 2 weeks ago:
                    - Send command now prevents users from making a mistake and sending XLM transaction to exchange without memo. If destination address is detected to be known crypto-exchange - memo becomes a required field and you won't be able to submit transaction without it.
                    If you find that your exchange is not known to @PapayaBot, please contact us in @PapayaFeedback group to get it listed.

                    More features coming soon:
                    We keep working on improving stability of our anchors, especially Ethereum nodes which almost never work.
                    And another important update coming shortly - we are going to provide liquidity to Stellar Decentralized Exchange, to make it possible to swap all available currencies at reasonable (close to market) prices

                    13 days later

                    hey, i have an annoying problem, im really new to this, i used stellarterm to buy eth using eth.apay.io, tried to send the ethereum to my ethereum wallet but it wouldnt let me. so i went on apay.io to get my ethereum, sent it to the address it told me to, where does it go?

                      This doesn't strike me as a secure wallet. Where is the key stored? Also the permissions required to install the Telegram app on Android are invasive tonsay the least.

                        Codpiece Hi, key is on the server, it's a custodian model, there is no other way to do that through chatbot.
                        And it's aimed at existing Telegram users, I don't expect you to install Telegram if you don't have a need for it, just to use my wallet. And current versions of Android allow you to give permissions one by one when you are about to use specific feature inside the app, so you can have it and reject any prompts for additional permissions.

                        I do have a feeling that there is a time for some blog post about PapayaBot security model.
                        It's not as good as hardware wallets, but offers some unique properties and good recovery options.

                        To sum up, PapayaBot is for you if

                        • you don't have ledger nano
                        • you are not sure that you're able to keep private key secure by yourself (without losing it, entering into phishing website or making sure your computer is not compromised ever)

                          I could use it for small holdings that I want to move around quickly and easily. Little actual coins.

                          Makes a lot of sense if for some reason coins transfer is part of a telegram group functioning.