Payora — An ERC-7857 iNFT for Autonomous Paycheck Allocation

An AI agent minted as an intelligent NFT (iNFT) on the 0G network. It manages paycheck allocation — bills, savings, and crypto investments — learning from your corrections over time.

Architecture

Telegram Bot (grammY)
      |
      v
Agent Core (TypeScript)
  |-- 0G Compute -----> LLM inference (OpenAI-compatible)
  |-- 0G Storage -----> KV (config/bills/goals) + file log (decisions)
  |-- Uniswap V3 -----> Swaps on Sepolia
  '-- PayoraNFT -----> ERC-7857 iNFT on 0G Testnet
       (dataHashes --> 0G Storage root hashes)

The Core Loop

1. Payment arrives — user sends /pay <amount> in Telegram
2. Agent loads context from 0G Storage: config, bills, goals, past decisions + overrides
3. Agent reasons via 0G Compute: generates allocation plan with explanation
4. User reviews in Telegram: approve, override, or reject
5. On approve — swaps execute on Uniswap (Sepolia), decision logged to 0G Storage, iNFT data hashes updated on-chain
6. On override — user correction stored in 0G Storage; next time the agent adapts its suggestions based on the override history

How "Learning" Works

No ML training. The agent's memory is its decision log stored in 0G Storage. When generating an allocation, the full override history is injected into the LLM prompt. The agent sees patterns like "user consistently increases ETH when I suggest 30%" and adapts accordingly. Payday 1 vs Payday 3 produces visibly different recommendations.

Tech Stack

Layer	Technology	Network
Smart Contract	Solidity (ERC-7857 iNFT)	0G Testnet (chain 16602)
Storage	0G Storage SDK (file upload/download)	0G Network
AI Inference	0G Compute (OpenAI-compatible API)	0G Network
Swap Execution	Uniswap V3 (Router + Quoter)	Ethereum Sepolia
Bot Interface	grammY (Telegram)	—
Runtime	Node.js >= 22, TypeScript, tsx	—

Project Structure

Payora/
├── contracts/                       # Hardhat project
│   ├── contracts/
│   │   ├── PayoraNFT.sol         # ERC-7857 iNFT implementation
│   │   ├── interfaces/             # IERC7857, IERC7857Metadata, IERC7857DataVerifier
│   │   ├── verifiers/              # PayoraVerifier (simplified TEE verifier)
│   │   └── proxy/                  # BeaconProxy + UpgradeableBeacon
│   └── scripts/deploy/deploy.ts    # Deploy to 0G Testnet
├── agent/                           # Bot + agent logic
│   └── src/
│       ├── index.ts                # Entry point — wires everything, starts bot
│       ├── bot.ts                  # Telegram bot (commands, keyboards, conversations)
│       ├── agent.ts                # Core loop orchestrator
│       ├── llm.ts                  # 0G Compute LLM client
│       ├── storage.ts              # 0G Storage client (with local fallback)
│       ├── swap.ts                 # Uniswap V3 on Sepolia
│       ├── contract.ts             # PayoraNFT interaction
│       └── types.ts                # Shared types
├── .env.example                     # Required environment variables
└── pnpm-workspace.yaml

Setup

Prerequisites

• Node.js >= 22
• pnpm
• A Telegram bot token (from @BotFather)
• 0G Testnet tokens (from https://faucet.0g.ai)
• 0G Compute API key (from https://pc.testnet.0g.ai)
• Sepolia ETH (for Uniswap swaps)

Install

pnpm install

Configure

cp .env.example .env
# Fill in all values in .env

Deploy Contracts

cd contracts
npx hardhat run scripts/deploy.ts --network 0g-testnet

Copy the deployed proxy address into .env as Payora_NFT_ADDRESS.

Run the Bot

cd agent
pnpm dev

Then open Telegram and send /start to your bot.

Bot Commands

Command	Description
/start	Onboard — set risk tolerance, mint iNFT
/pay <amount>	Simulate a paycheck, get allocation proposal
/bills	View/add/clear recurring bills
/goals	View/add/clear investment goals
/history	View past decisions and overrides
/config	View current agent configuration

ERC-7857 Implementation

The PayoraNFT contract implements the full IERC7857 and IERC7857Metadata interfaces from the official 0G reference implementation:

• mint() — Create a new iNFT with initial data hashes
• update() — Update data hashes (called after each payday cycle)
• transfer() / clone() — Transfer/clone with verified data handoff
• authorizeUsage() — Grant usage rights without ownership transfer
• dataHashesOf() / dataDescriptionsOf() — Read the iNFT's intelligent data

Each token stores four data hashes pointing to 0G Storage: config, bills, goals, decisions.

The verifier (PayoraVerifier) follows the same simplified pattern as the 0G reference — hash-based validation for hackathon, with the TEE/ZKP interface ready for production.

Cross-Chain Design

• 0G Testnet: iNFT contract + 0G Storage + 0G Compute (all 0G stack)
• Ethereum Sepolia: Uniswap V3 swap execution (real DEX with testnet liquidity)

Same private key operates on both chains.

Fallbacks

Component	Fallback
0G Compute	Swap ZG_COMPUTE_BASE_URL to https://api.openai.com/v1
0G Storage	Local .data/ directory (automatic, transparent)
Uniswap	Quotes work, execution may fail on thin testnet liquidity
ERC-7857 Verifier	Simplified (hash-based, no TEE/ZKP) — interface-compatible

License

MIT