Send USDC to anyone on Telegram. No wallet needed.

Built with Stylus (Rust) on Arbitrum for the Open House NYC Buildathon

Try the Bot · Web App

95% of people will never download MetaMask. Remittances cost 5-10%. Splitting bills still means Venmo—even though crypto is cheaper.

/send @alice 50

Alice gets 50 USDC. No wallet, no seed phrase, no gas fees visible.

1. Send — /send @user amount via Telegram or web dashboard
2. Store — PayoVault contract holds funds mapped to keccak256("telegram:<userId>")
3. Claim — Recipient claims via Telegram bot or phone verification

User A                    PayoVault (Stylus)              User B
  │                            │                            │
  │─── /send @userB 50 ───────▶│                            │
  │                            │── balance[hashA] -= 50     │
  │                            │── pending[tid] = {B, 50}   │
  │                            │                            │
  │                            │◀─── claim(tid) ────────────│
  │                            │── balance[hashB] += 50     │

• Sub-cent fees — micro-payments actually viable
• Rust contracts — memory safety, no reentrancy footguns
• EVM compatible — seamless USDC transferFrom
• Production-grade — same infra trusted by BlackRock, Robinhood

• Gasless UX — Relayer pays gas, users just Telegram
• Pending transfers — Send to users who haven't registered yet
• Wallet linking — Connect external wallet to your Telegram balance
• Faucet — 100 tUSDC per hour for testing

Arbitrum Open House NYC Buildathon 🏗️

Three weeks to build something that matters.