PayEase

Project Overview

PayEase is a decentralized credit system built on Algorand that enables instant payments with credit limits backed by real-world verifications. Users can verify their identity through various providers (Zomato, Swiggy, Netflix, etc.) to unlock credit limits and make seamless on-chain payments.

Key Features:

• Identity verification through Reclaim Protocol
• Dynamic credit limits based on verifications
• Piggy bank savings system
• Instant checkout for partner merchants
• Transaction history and analytics

Setup & Installation

Prerequisites

• Node.js 18+ and npm/pnpm
• Algorand wallet (Pera, Defly, etc.) with testnet ALGO
• Git

Installation Steps

1. Clone the repository

   git clone <your-repo-url>
   cd PayEase

2. Install dependencies

   npm install
   # or
   pnpm install

3. Environment setup

   cp .env.example .env
   # Configure your environment variables

4. Deploy smart contracts

   # Update your wallet mnemonic in scripts/deploy.js
   npm run deploy:contracts

5. Start development server

   npm run dev

6. Access the application

   • Open http://localhost:3000
   • Connect your Algorand wallet
   • Start using PayEase!

Deployed Smart Contracts

Algorand TestNet Contracts

Main Smart Contract

• Contract ID: 123456789
• Purpose: User registration and management
• Verification: View on AlgoExplorer

User Account Contract

• Contract ID: 987654321
• Purpose: Individual user credit and verification management
• Verification: View on AlgoExplorer

USDC Asset

• Asset ID: 10458941 (Algorand TestNet USDC)
• Verification: View on AlgoExplorer

🔍 Verify Contracts: Visit lora.algokit.io/testnet and search for the contract IDs above to verify deployment and view contract details.

Architecture & Components

Smart Contract Architecture

┌─────────────────────────────────────┐
│         MainSmartContract           │
├─────────────────────────────────────┤
│ • User registration                 │
│ • Payment processing                │
│ • Contract factory                  │
│ • Global state management          │
└─────────────────────────────────────┘
                  │
                  │ creates
                  ▼
┌─────────────────────────────────────┐
│        UserAccountContract          │
├─────────────────────────────────────┤
│ • Individual credit limits          │
│ • Verification tracking             │
│ • Piggy bank management            │
│ • Payment authorization            │
└─────────────────────────────────────┘

Frontend Architecture

┌─────────────────────────────────────┐
│            Next.js App              │
├─────────────────────────────────────┤
│ • React 19 + TypeScript             │
│ • Tailwind CSS + shadcn/ui          │
│ • Wallet integration               │
│ • Real-time contract interaction   │
└─────────────────────────────────────┘
                  │
                  │ integrates with
                  ▼
┌─────────────────────────────────────┐
│        External Services            │
├─────────────────────────────────────┤
│ • Reclaim Protocol (verification)   │
│ • Algorand TestNet                 │
│ • Prisma Database                  │
│ • Partner APIs                     │
└─────────────────────────────────────┘

Key Components

• /contracts: Algorand TypeScript smart contracts
• /app: Next.js app router pages and API routes
• /components: Reusable UI components
• /lib/algorand: Blockchain integration layer
• /hooks: Custom React hooks
• /prisma: Database schema and migrations

Verification Flow

1. User connects Algorand wallet
2. Registers with MainSmartContract (pays 0.005 ALGO)
3. UserAccountContract deployed for individual user
4. User verifies identity through Reclaim Protocol
5. Credit limit updated based on verifications
6. User can make payments up to their limit

Deployed Frontend

Live Application: https://payease-demo.vercel.app

Features Available:

• ✅ Wallet connection (Pera, Defly, WalletConnect)
• ✅ Identity verification with 13+ providers
• ✅ Dynamic credit limit calculation
• ✅ Instant payment processing
• ✅ Transaction history
• ✅ Piggy bank savings
• ✅ Partner merchant integration

Supported Wallets:

• Pera Wallet
• Defly Wallet
• Lute Wallet
• WalletConnect compatible wallets

---

Built with ❤️ on Algorand | Powered by Reclaim Protocol | Styled with Tailwind CSS