SolPayX ⚡

Instant USDC remittance on Solana — No banks. No borders. Near-zero fees.

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🌍 What is SolPayX?

SolPayX is a decentralized remittance platform built on Solana that lets anyone send USDC across the world instantly — replacing expensive, slow traditional remittance services like Western Union and bank wire transfers.

Send $100 to family in Nepal from the US in under 3 seconds for a fraction of a cent. No middlemen. No waiting days. No hidden fees.

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🖼️ Demo Preview

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✨ Features

Feature	Description
⚡ Instant Transfers	Transactions finalize in ~400ms on Solana
💸 Near-Zero Fees	0.1% platform fee + ~$0.00025 gas
🔗 Blinks / Payment Links	Shareable links like solpayx.vercel.app/pay/yourname
📊 Live Dashboard	Real-time USDC & SOL balance with transaction history
🔐 Non-Custodial	Your keys, your money — we never touch your funds
🌐 On-Chain Fee Logic	Anchor smart contract enforces 0.1% fee trustlessly
📡 Helius RPC	Enterprise-grade RPC for fast, reliable transactions
🔄 WebSocket Confirmations	Real-time transaction status updates

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🏗️ Architecture

┌─────────────────────────────────────┐
│          Next.js Frontend           │
│     (App Router + TailwindCSS)      │
└──────────────┬──────────────────────┘
               │
   ┌───────────┼───────────────┐
   ▼           ▼               ▼
Phantom     Blinks API     Dashboard
Wallet    /api/actions/    (Balance +
Adapter      remit          History)
   │           │               │
   └───────────┼───────────────┘
               ▼
   ┌───────────────────────────┐
   │      Helius RPC Layer     │
   │   (WebSocket + REST)      │
   └───────────┬───────────────┘
               ▼
   ┌───────────────────────────┐
   │     Solana Blockchain     │
   │  ┌─────────────────────┐  │
   │  │  Anchor Program     │  │
   │  │  (remittance.so)    │  │
   │  │  - Fee enforcement  │  │
   │  │  - Transfer logic   │  │
   │  │  - Event emission   │  │
   │  └─────────────────────┘  │
   │  USDC SPL Token           │
   └───────────────────────────┘

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💰 How Fees Work

User sends 100 USDC
         ↓
Smart contract intercepts
         ↓
0.1% fee automatically split:
  ├── 99.9 USDC → Recipient ✅
  └──  0.1 USDC → SolPayX Treasury 💼

The fee logic lives on-chain in the Anchor program — it cannot be bypassed.

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🚀 Getting Started

Prerequisites

• Node.js v18+
• Rust + Cargo
• Solana CLI
• Anchor CLI
• Phantom Wallet browser extension

Installation

# Clone the repository
git clone https://github.com/yourusername/solpayx.git
cd solpayx

# Install dependencies
npm install

# Copy environment variables
cp .env.example .env.local

Environment Variables

Create a .env.local file in the root directory:

NEXT_PUBLIC_RPC_URL=https://devnet.helius-rpc.com/?api-key=YOUR_HELIUS_KEY

Get your free Helius API key at 👉 https://helius.dev

Run Development Server

npm run dev

Open http://localhost:3000 in your browser.

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🔨 Smart Contract

The Anchor program lives in /remittance/programs/remittance/src/lib.rs.

Build

cd remittance
anchor build

Deploy to Devnet

anchor program deploy --provider.cluster devnet --provider.wallet ~/.config/solana/devnet.json

Program ID

72citsVT8pcy5orD5HVAS9UN1aBspCkui1NmcGAB8Xsg

View on Solscan 👉 https://solscan.io/account/72citsVT8pcy5orD5HVAS9UN1aBspCkui1NmcGAB8Xsg?cluster=devnet

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📁 Project Structure

solpayx/
├── src/
│   ├── app/
│   │   ├── page.tsx                  # Home / Send USDC
│   │   ├── dashboard/page.tsx        # Balance & History
│   │   ├── pay/[user]/page.tsx       # Public payment page
│   │   └── api/actions/remit/        # Blinks API endpoint
│   │       └── route.ts
│   ├── components/
│   │   ├── WalletProvider.tsx
│   │   ├── SendForm.tsx
│   │   ├── BalanceCard.tsx
│   │   └── TxHistory.tsx
│   └── lib/
│       ├── transfer.ts               # USDC transfer logic
│       ├── program.ts                # Anchor program client
│       ├── helius.ts                 # Helius RPC helpers
│       └── remittance.json           # Anchor IDL
├── remittance/
│   └── programs/remittance/
│       └── src/lib.rs                # Anchor smart contract
└── .env.local                        # Environment variables

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🌐 Blinks — Viral Payment Links

SolPayX supports Solana Actions & Blinks, allowing payment links to render as interactive buttons on Twitter/X, Telegram, and other platforms.

Your payment link:

https://solpayx.vercel.app/pay/YOUR_WALLET_ADDRESS

Share it anywhere — anyone with a Phantom wallet can send you USDC instantly.

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🛠️ Tech Stack

Layer	Technology
Frontend	Next.js 15, TailwindCSS, TypeScript
Blockchain	Solana, USDC SPL Token
Smart Contract	Anchor Framework, Rust
Wallet	Phantom Wallet Adapter
RPC	Helius (WebSocket + REST)
Deployment	Vercel

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🗺️ Roadmap

• USDC transfers on devnet
• Anchor smart contract with fee logic
• Blinks / viral payment links
• Live dashboard
• Helius RPC integration
• WebSocket confirmations
• Deployed to Vercel
• Token-2022 transfer hook
• Mainnet launch
• Mobile app (React Native)
• Fiat on-ramp integration
• Multi-currency support
• Custom domain (solpayx.com)

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🤝 Contributing

Contributions are welcome! Please open an issue or submit a pull request.

1. Fork the repo
2. Create your feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

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⚠️ Disclaimer

SolPayX is currently running on Solana Devnet for testing purposes. Devnet tokens have no real monetary value. Do not use real funds until mainnet launch.

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📄 License

This project is currently not licensed. All rights are reserved by the author unless stated otherwise.

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👨‍💻 Built By

Dipendra — Pokhara University Software Engineering student, building real-world Web3 applications and exploring decentralized systems. 🚀

"Replace Western Union with code."

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Live Demo • Smart Contract • Report Bug

⭐ Star this repo if you find it useful!