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BREAKING: Mastercard acquires BVNK for $1.8B (Mar 17)|Stripe acquired Bridge for $1.1B|Rain raised $250M at $1.95B|YC now pays in stablecoins|PayFi is the #1 narrative in crypto|
BREAKING: Mastercard acquires BVNK for $1.8B (Mar 17)|Stripe acquired Bridge for $1.1B|Rain raised $250M at $1.95B|YC now pays in stablecoins|PayFi is the #1 narrative in crypto|
Live on Solana Devnet

iPay

A xpandia company

The Square of PayFi

Global wallet payments infrastructure — Merchants, Freelancers & P2P

Live Demo →GitHub
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The Problem

LATAM merchants are
bleeding money.

3–7%
Payment processor fees
vs 0.5% with iPay
14–30
Days to receive settlement
vs sub-second with Solana
130M
Unbanked adults in LATAM
Zero access to digital payments

Latin American merchants lose $21B+ annually in payment processing fees. Settlement delays cripple cash flow. And 130 million people remain completely locked out of digital commerce.

The Solution

One platform.
Six capabilities.

⚡

Instant Payments

Sub-second settlement, 0.5% fees

🎁

Auto Loyalty

iPAY tokens minted on every transaction

🤖

AI Assistant

AI-powered payment management

🔗

Solana Blinks

Shareable payment links anywhere

💱

Multi-currency

SOL, USDC, EURC, PYUSD

👥

P2P Transfers

Send money globally, both earn rewards

Key differentiator: No one else combines Blinks + Loyalty + AI on Solana. iPay is the ONLY platform.

🏪
Commerce
💼
Freelance
👥
P2P
🎫
Events
🔄
Subscriptions
🤝
Partners
💝
Donations
🌍
Remittances
🛡️
Services

One protocol. Nine verticals. Zero competitors.

Market Opportunity

$730B and growing.

$0BGlobal Crypto Volume
$0BStablecoin Volume
0MGlobal Crypto Users
0MUS Crypto Holders
0%Stablecoin YoY Growth
TAM
$10T
Global payments
SAM
$730B
LATAM crypto
SOM
$5B
LATAM merchant crypto payments
How It Works

Three steps. Zero complexity.

For Merchants

01

Register

Connect Solana wallet, set loyalty multiplier, go live in 60 seconds

02

Create

"Create a $50 payment with double rewards" — AI generates your Blink instantly

03

Earn

Share via WhatsApp, QR, or widget. Get paid in sub-seconds. 0.5% fee.

For Consumers

01

Click or Scan

Open a Blink link or scan QR code — no app download needed

02

Pay

Connect wallet, pay in SOL or USDC — confirmed in 400ms

03

Earn Rewards

iPAY loyalty tokens minted automatically. No extra steps.

For Everyone

01

Send to Any Wallet

Enter any Solana address or scan QR — send globally in seconds

02

Both Earn Rewards

Both sender and receiver earn iPAY tokens on every transfer

03

Redeem Anywhere

Redeem rewards at partner merchants across the network

Technology

21 on-chain instructions.

Payments
process_payment (SOL)
process_payment_spl
payment_with_tip
split_payment
Escrow
create_escrow
release_escrow
dispute_escrow
resolve_dispute
Subscriptions
create_subscription
execute_payment
cancel_subscription
Loyalty
auto-mint (hooks)
redeem_loyalty
stake_loyalty
unstake_loyalty
Next.js 14
Frontend · 30 routes
12 REST
APIs · Rate limited
LLM
AI · Integrated
6 patches
Security · Audited
Competitive Landscape

We stand alone.

Company
Valuation
Focus
iPay Advantage
Bridge (Stripe)
$1.1B
Stablecoin infra
+ Loyalty + AI + Blinks
Rain
$1.95B
Stablecoin cards
+ Loyalty + AI + SMBs
Mesh
$482M
Crypto payments
+ Loyalty + LATAM focus
Blackbird
~$300M
Restaurant loyalty
Multi-vertical + AI
Huma Finance
~$200M
PayFi lending
Consumer-facing + loyalty
Helio
MoonPay acq.
Solana payments
+ Loyalty + AI + escrow
Unit Economics

99.2% gross margin.

Cost per tx
$0.004
Solana network fee
Revenue per $100 tx
$0.50
0.5% platform fee
Gross margin
99.2%
Near-zero marginal cost
Merchant CAC
$20–50
Target acquisition cost
Merchant LTV
$500–5K
12-month lifetime value
LTV:CAC
25–100x
Best-in-class ratio
Business Model

Built to scale.

Starter
0%
Freelancers · up to $1K/mo
User acquisition
Business
0.5%
SMBs · $1K–$50K/mo
Core revenue
Pro
0.3% + $49/mo
Medium business · AI features
Upsell
Enterprise
Custom 0.2%
Large merchants · Full API
High-value
P2P
0.1%
Person to person transfers
Network growth
White-label
License
Banks & fintechs
B2B enterprise
Traction

Built in 4 days.

0On-chain instructions
0Frontend pages
0REST APIs
0Files shipped

Product

  • Smart contract deployed on Solana devnet
  • 18 pages: dashboard, checkout, AI, analytics, developer portal
  • 12 APIs with rate limiting & security hardening
  • Legal: ToS, Privacy Policy, Merchant Agreement
  • Live demo: ipay.xpandia.co

Documentation

  • Complete business plan (5-phase roadmap)
  • Tokenomics (anti-speculation, utility-only)
  • Compliance roadmap for 13 jurisdictions ($720K budget)
  • Global expansion report (competitive, market, regulatory)
  • 4 audit reports (business, legal, market, UX)
Roadmap

From launch to $2B TPV.

Phase 1 — Mar 2026

Foundation MVP

  • 21 on-chain instructions
  • Full frontend + 12 APIs
  • AI merchant assistant
  • Live on devnet
Phase 2 — Apr–Aug 2026

Incubation & Beta

  • Security audit
  • Beta with 20-50 merchants (Colombia)
  • Fiat on/off-ramp (Bridge/Circle)
  • KYC/AML integration (Metamap)
Phase 3 — Q3-Q4 2026

LATAM Launch

  • Mainnet deploy, 500 merchants
  • Shopify plugin
  • Nequi/Bitso partnerships
  • $5M TPV milestone
Phase 4 — 2027

Scale

  • Mexico + Brazil expansion
  • 50K merchants, $2B TPV
  • Multi-chain (Base, ETH L2s)
  • Series A: $15-25M
Why Now

Perfect timing.

Mar 17, 2026Mastercard acquires BVNK$1.8B
Feb 2025Stripe acquires Bridge$1.1B
Mar 2026Rain Series C$250M
2025YC offers funding in stablecoins$500K
Q4 2025Record crypto VC quarter$8.5B

The smart money is betting massively on stablecoin payment infrastructure. PayFi is the concept created by Lily Liu, President of Solana Foundation. iPay is PayFi.

The Acquisition Window is NOW

Companies building stablecoin payment infrastructure are being acquired at $1-2B valuations. iPay is the ONLY platform combining payments + loyalty + AI on Solana for the fastest-growing crypto market in the world. This window will not stay open.

The Ask

Seeking incubation + seed.

Use of Funds

Engineering40%
BD & Sales25%
Compliance15%
Operations10%
Reserve10%
Seed Target
$10–15M
Pre-money valuation
Series A (w/ $50M+ TPV)
$100–150M
Pre-money valuation target
Acquisition Comps
Bridge $1.1B · BVNK $1.8B · Rain $1.95B
Team
D
Daniel Ospina
Founder & Lead Developer
Full-stack · Solana builder · LATAM fintech

iPay is PayFi
for LATAM.

Instant payments. Automatic loyalty. Artificial intelligence.
All on Solana. All open source.

Built by xpandia — Building the financial infrastructure LATAM deserves.

4 days of building. $1.8B of validation.

Try Live DemoView Source
ipay.xpandia.cogithub.com/xpandia/iPaydaniel@xpandia.co
A xpandia company · xpandia.co