SuzuPay

Decentralized Payment & Financing Terminal for SMEs

Empowering small businesses with instant crypto payments and democratized access to capital on the XRP Ledger

Watch Demo Video

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Overview

SuzuPay is a financial platform built on the XRP Ledger that bridges the gap between traditional commerce and decentralized finance. It provides merchants with three core capabilities:

1. Instant Crypto Payments — Accept XRP or RLUSD payments via QR codes with settlement in 3-5 seconds and fees under $0.01
2. RLUSD Instant Settlement — Receive Ripple USD directly to your wallet for predictable, fiat-stable treasury management
3. Micro-Financing Campaigns — Raise working capital by issuing tokenized IOUs backed by future revenue streams

By leveraging XRPL's speed, low costs, and programmable tokens, SuzuPay democratizes access to financial services for small and medium enterprises worldwide.

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Key Features

For Merchants

• Wallet Integration — Connect instantly via Crossmark or Xaman in under 60 seconds
• QR Payment Generation — Create XRP or RLUSD payment requests with custom amounts
• RLUSD TrustLine Management — Enable stablecoin payments with a single in-app transaction
• Real-Time Settlement — Receive funds directly to your wallet with instant confirmation
• Financing Campaigns — Launch micro-financing initiatives by issuing standardized tokens

For Investors

• Campaign Discovery — Browse active merchant financing opportunities
• One-Click Investment — Fund merchants with XRP and receive merchant tokens instantly
• On-Chain Transparency — All transactions verifiable on the XRPL public ledger
• Portfolio Tracking — Monitor your investments and token holdings

Platform Benefits

• Lightning Fast — Transactions settle in 3-5 seconds
• Ultra-Low Fees — Transaction costs under $0.01
• Decentralized — No intermediaries, full self-custody of funds
• Secure — Built on battle-tested XRPL infrastructure
• Mobile Ready — Fully responsive UI optimized for all devices

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Technology Stack

Category	Technologies
Frontend	Next.js 16, React 19, TypeScript 5
Styling	Tailwind CSS 4, Radix UI, Lucide Icons
Blockchain	XRPL 4.5, xrpl.js SDK
Wallet Integration	Crossmark SDK, xrpl-connect (Xaman)
Stablecoin	RLUSD (Ripple USD) — Testnet & Mainnet
Backend / Database	Prisma ORM 7, SQLite
QR Functionality	qrcode.react
State Management	React Context API
Package Manager	pnpm

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Getting Started

Prerequisites

• Node.js 20+ and pnpm 8+
• XRPL Wallet — Xaman (mobile) or Crossmark (browser extension)
• XRPL Account with mainnet funding

Installation

1. Clone the repository

   git clone https://github.com/SuzuPay/SuzuPay-XRPL.git
   cd SuzuPay-XRPL

2. Install dependencies

   pnpm install

3. Configure environment

   cp .env.example .env.local
   # Edit .env.local with your values

4. Initialize the database

   pnpm dlx prisma migrate dev

5. Run the development server

   pnpm dev

6. Open in your browser

   Navigate to http://localhost:3000

Configuration

Copy .env.example to .env.local and fill in your values. The app defaults to XRPL Mainnet (wss://xrplcluster.com). Optional keys for Xaman deep links and WalletConnect are documented in the example file.

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Usage Guide

For Merchants

1. Connect Your Wallet

   • Click "Connect Wallet" in the header
   • Select Crossmark or Xaman
   • Approve the connection request

2. Accept Payments

   • Navigate to Merchant Portal
   • Enter payment amount and currency
   • Share the generated QR code with the customer
   • Receive instant on-chain confirmation

3. Launch a Financing Campaign

   • Navigate to Merchant Portal → Financing tab
   • Issue tokens and set a sell offer on the DEX
   • Investors can discover and fund the campaign via the Invest page

For Investors

1. Connect Your Wallet

   • Click "Connect Wallet" and approve the connection

2. Discover & Invest

   • Visit the Invest page
   • Enter a merchant's XRPL address to view their active campaign
   • Enter an investment amount and confirm in your wallet
   • Receive merchant tokens instantly on-chain

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Project Structure

SuzuPay-XRPL/
├── prisma/                    # Database schema & migrations
│   └── schema.prisma
├── scripts/                   # Dev utilities & backend tests
├── src/
│   ├── app/                   # Next.js App Router pages
│   │   ├── api/               # REST API routes (merchant, payments)
│   │   ├── merchant/          # Merchant portal
│   │   ├── invest/            # Investor page
│   │   └── pay/               # Payment interface
│   ├── components/            # React components
│   │   ├── ui/                # shadcn/ui base components
│   │   ├── wallet-connect-button.tsx
│   │   ├── qr-generator.tsx
│   │   └── payment-confirmation.tsx
│   ├── lib/                   # Core utilities & SDKs
│   │   ├── xrpl-client.ts     # XRPL connection & network config
│   │   ├── wallet-context.tsx # Wallet state management
│   │   ├── token-utils.ts     # RLUSD & token helpers
│   │   ├── payment.ts         # Payment transaction builder
│   │   └── prisma.ts          # Prisma client singleton
│   └── types/                 # TypeScript definitions
└── public/                    # Static assets

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Acknowledgments

• XRPL Foundation — For the robust infrastructure and comprehensive documentation
• Crossmark & Xaman — For seamless wallet integration
• shadcn/ui — For the component library
• JFIIP Program — For supporting innovative blockchain solutions

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Built on the XRP Ledger

Empowering the next generation of decentralized commerce