PAYGOCrypto - Stellar
SCF #23 Activation Award End-User Application $16,700 View in SCF
Empowering PAYGO distributors, the platform removes barriers for the unbanked. Aids both small and large-scale businesses 
Team

roycode

Deliverables List

PART 1: Completion of Distributor Platform

[Deliverable 1]: Complete UI/UX Design of Distributor Platform

  • Description: Fine tune the styling of various sections and components of the application. Switch images to SVGs for better performance. Add transitions, effects and popups. 
  • Measure of Completion: Provide side-by-side comparisons of key screens and components before and after the UI/UX enhancements.
  • Date of Completion: 20th February, 2024.
  • Budget: $1,500

[Deliverable 2]: Expand In-App Payment Options

  • Description: Diversify in-app payment choices by integrating WalletConnect and basic Stellar transfer features alongside the existing Rabet wallet extension.
  • Measure of Completion: Successfully upgrade distributor account plans using WalletConnect and/or Stellar transfer, with reflected changes visible in the distributor's account.
  • Date of Completion: 1st February 2024.
  • Budget: $2,300

[Deliverable 3]: Csv Import Functionality for Registering Devices.

  • Description: Currently we have the option of registering devices through a simple form, one device at a time inputing device details (Key, serial number, etc...). We would like to include a more flexible option where a distributor can register multiple devices at once through a csv upload (containing information of devices).
  • Measure of Completion: Successfully register multiple devices through csv upload.
  • Date of Completion: 5th February, 2024.
  • Budget: $2,600

[Deliverable 4]: Improved Payment Plan Logic.

  • Description: We have an existing payment plan system that correlates specific USDC payments with the corresponding days of activation code. This deliverable enhances the current system by incorporating special conditions and clauses. For example, if a customer pays a certain amount (x) of USDC, the total amount for the full unlock code changes to a specific amount (y).
  • Measure of completion: Successfully create a payment plan that includes clauses and special conditions and test the conditions work by activating devices accordingly.
  • Date of completion: 5th February, 2024.
  • Budget: $2,100

[Deliverable 5]: Setting Up Automated Tests for the Application.

  • Description: Setup test suites for the React frontend with Cypress and NestJs backend with Jest. 
  • Measure of Completion: Successful execution of automated test suites for the React frontend using Cypress and the NestJs backend with Jest, ensuring comprehensive test coverage and error-free functionality.
  • Date of Completion: 19th February, 2024.
  • Budget: $1,500

[Deliverable 6]: Implement Enhanced Error Handling in the Application

  • Description: Enhance user experience by providing clear, specific, and helpful error messages for all endpoints and edge-cases in the application.
  • Measure of Completion: All errors returned in the application are concise, user-friendly, and easily understandable, addressing common issues and improving overall error communication.
  • Date of Completion: 12th February, 2024.
  • Budget: $2,200

[Deliverable 7]: Deployment and CI/CD Workflow Implementation

  • Description: Implement efficient CI/CD workflow, automating the deployment of updates and new features.
  • Measure of Completion: Successful deployment of the PAYGOCrypto platform using the implemented CI/CD workflows.
  • Date of Completion: 27th February, 2024.
  • Budget: $2,000

[Deliverable 8]: Security Audit

  • Description: Conduct a thorough security audit of the platform to identify and address potential vulnerabilities.
  • Measure of Completion: Completion of a comprehensive security audit report, addressing identified vulnerabilities and implementing recommended security enhancements.
  • Date of Completion: 1st March, 2024.
  • Budget: $2,500

Total Expected Roadmap

PART 2: USSD Integration 

[Deliverable 9]: USSD Application Integration

  • Description: Create and implement a USSD application with integrated virtual account service generation to provide an offline option for activation code generation.
  • Measure of Completion: Successfully generate activation codes sent through SMS using the USSD application.
  • Budget: $15,500

PART 3: Admin Application 

[Deliverable 10]: PAYGOCrypto Admin Control Center

  • Description: Develop and implement the PAYGOCrypto Admin Control Center, designed to provide a comprehensive solution for managing distributors and overseeing the entire spectrum of business operations. This includes features for streamlined distributor management, device activation oversight, and financial transaction monitoring.
  • Measure of Completion: Successful deployment and operational functionality of the PAYGOCrypto Admin Control Center, ensuring effective management of distributors, oversight of device activations, and comprehensive monitoring of financial transactions.
  • Budget: $20,000

Total budget: $52,200

PAYGOCrypto generates revenue through two primary channels:

  1. Distributor Onboarding Fees: We charge a nominal fee for distributor onboarding, offering flexibility with free or affordable options, making it accessible for distributors of all scales.
  2. Transaction Fees on Device Activations: For each transaction that activates PAYGO devices, we apply a transaction fee ranging from 4% to 6%, depending on the distributor's chosen plan. This ensures a fair and transparent pricing structure, aligning with the distributor's specific needs and preferences.

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Project Categories

Project Type [If End-User Applications]

Requested Budget in USD ($)

16700

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Existing, Significant and Active Userbase?

Yes, the project has a user base that has been steadily growing. The Device Rental System, which relies on Stellar transactions and USDC for device activations, has been operational for over a year. It is currently in use by distributors and users in Nigeria and Uganda. The system has successfully processed over $5,000 in device activations for 200+ PAYGO devices. If you're interested, you can find the Stellar wallet responsible for managing these activations at GDYK3TB6CS77V5V7RXHHQ6AQJKXWW2MFA7VWEKKWQXTRIK3ZZ2DZRENT

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Product & Architecture

Distributor Onboarding:

The platform onboards PAYGO device distributors through a straightforward process. Initial registration on the platform is followed by the completion of a KYC form and the linkage of their Stellar wallet to their account. The prevailing challenges in the PAYGO market, marked by prolonged, intricate, and costly onboarding procedures, are effectively addressed by our platform. Unlike most platforms with high fees (ranging from $500 to $1,000) and intricate onboarding processes, ours stands out by offering free to highly affordable onboarding fees, prioritizing simplicity. This proves beneficial for individual distributors and small-scale businesses.

PAYGO Device Rentals:

The platform incorporates the rent-to-own payment model, providing a simplified approach to acquiring PAYGO devices/products for customers. Device rentals are made through Stellar transactions, offering instant, cost-effective, and global transactions. This proves especially advantageous for unbanked/underbanked customers, eliminating the hurdles of substantial upfront fees and introducing an alternative to conventional banking. Leveraging the Stellar network for device rentals allows individuals worldwide to effortlessly contribute to a customer's rental through a straightforward Stellar transaction, making it particularly impactful in scenarios like charitable donations.

Stellar Payment System:

The PAYGOCrypto payment system combines the efficiency of the Stellar network with the opensource OpenPAYGO Token technology, crafted by the engineers at Solaris OffGrid. This synergy facilitates the generation of activation codes for PAYGO devices, with transactions executed using the USDC stablecoin. Recognizing the need for inclusivity, even in underserved regions lacking robust internet connectivity, we offer an alternative approach. In such areas, activation codes for PAYGO devices can be conveniently generated using USSD, ensuring accessibility for everyone.

Customer/Sales Management:

PAYGOCrypto offers distributors an efficient way to manage customers and sales. Through our user-friendly interface, distributors can effortlessly manage their customer base, set up flexible payment plans for devices, and access detailed reports. Unlike traditional systems with complex sales management structures, PAYGOCrypto's approach ensures a user-friendly experience, facilitating effective sales monitoring and enhancing customer relationship management. This simplicity is particularly beneficial for distributors seeking an intuitive and efficient platform for their PAYGO device sales and management activities.

Technical Architecture Doc

https://res.cloudinary.com/dz1irpx59/image/upload/v1703856553/SFC/PAYGOCrypto_code_generation_system_stellar_ussd.png

Project URL

https://app.paygocrypto.io

Code URL

Video URL

https://www.youtube.com/watch?v=VUnfAZBa1oM

Pitch Deck URL

https://drive.google.com/file/d/1VmEGzZ5HKdfs_LAtH3-9kgOZte_gzMRG/view?usp=drive_link

Team bio

Name: Nyenke Precious Roy

Title: Founder, PAYGOCrypto

SocialsLinkedIn Twitter/X Discord: roycode360_37093

As a software developer specializing in blockchain technologies, I bring a wealth of experience in end-to-end application development, particularly in web and mobile technologies. My expertise includes working with technologies such as React, Typescript, NestJs, NodeJs, and Web3. I've successfully developed innovative solutions, such as the USDC to PAYGo token generation system and a Multi-chain swap application that bridges Stellar assets with other networks.