UMOJA PayLinks (MVP)

UMOJA PayLinks is an open-source, non-custodial payment infrastructure that allows merchants and individuals to request and receive stablecoin payments (USDT) using simple PayLinks and QR codes.

The system enables direct wallet-to-wallet payments without custody, bank dependencies, or intermediaries.

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What This Is

UMOJA PayLinks allows a merchant or individual to:

• Generate a PayLink + QR code requesting a specific USDT amount
• Accept payments directly from a payer’s wallet
• Split a transaction into:
  • a protocol fee (USDT) sent to a treasury wallet
  • a net payment (USDT) sent directly to the receiver
• Maintain full non-custodial flow (funds never touch a platform wallet)

This MVP currently supports USDT (BEP-20) on BNB Smart Chain (BSC).

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Why This Matters

Many merchants face:

• High payment processing fees
• Settlement delays
• Bank account freezes or exclusions
• Limited access to global payments

UMOJA PayLinks provides:

• Low-fee stablecoin payments
• Instant settlement
• Censorship-resistant, wallet-based transfers
• Open-source, auditable payment logic

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Architecture (Non-Custodial by Design)

• Wallet-to-wallet transfers only
• No custody of user funds
• No database required for payment links
• All payment parameters encoded in the PayLink URL

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Current MVP Features

• USDT payment requests via PayLink + QR
• One-click wallet connection
• Automatic fee split (protocol + receiver)
• Configurable protocol fee (basis points)
• Fully client-side MVP

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Quick Start

1. Install Node.js 18+
2. Install dependencies:
3. Run locally:
4. Open: http://localhost:5173

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Configuration

Edit src/config.ts:

• TREASURY_WALLET
  Wallet address that receives protocol fees

• FEE_BPS_DEFAULT
  Protocol fee in basis points (100 = 1%)

• WALLETCONNECT_PROJECT_ID
  Create one at https://cloud.walletconnect.com

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Stablecoin Configuration

This MVP uses USDT (BEP-20) on BNB Smart Chain (BSC)

USDT Contract Address:0x55d398326f99059fF775485246999027B3197955

Open-Source Scope

The following components are intended to remain open-source:

• PayLink generation logic
• Fee-splitting transaction flow
• Wallet connection and signing logic
• Documentation and integration guides

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Roadmap (Next 90 Days)

• Improve UX for merchant onboarding
• Add analytics (non-invasive)
• Add optional minimal backend (rate limiting, monitoring)
• Security review and hardening
• Pilot deployment with real merchants

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Funding Use

Grant funding will be used for:

• Code hardening and refactoring
• Documentation and onboarding guides
• Security review
• Pilot deployment support

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Status

Working MVP.
Seeking grant funding to harden, document, and deploy open-source stablecoin payment infrastructure for merchants.