PayIT

PayIT is a Telegram-native, non-custodial USDC wallet built for African SMEs and everyday users, running on Monad for fast, low-cost stablecoin transactions and on-chain business logic. Problem: African SMEs face unstable currencies, costly cross-border payments, and messy invoicing. Most tools are too technical or ignore local needs like tax compliance. What We Built: Each user gets a non-custodial wallet inside Telegram, no app or extension needed. Wallets use per-user encryption, so private keys never touch our servers. PayIT has separate Personal and Business wallets, plus an SME invoice ledger with Nigerian VAT and WHT support for compliant invoicing. Monad Integration: Invoice ledger and escrow logic run fully on-chain. Monad's speed and low fees make small SME transactions practical, invoices are recorded on-chain for transparent, tamper-proof records, and escrow releases funds automatically once conditions are met. PayIT Protocol Contracts: 📜 Invoice Ledger: 0x50efB2814FD72a24ceEeCBCCefA97C2bE5df8132 🔒 Escrow: 0x9805642AF09a520d36fE5be111Ac4D86A585Bcbf Tokens Used: 💵 Monad Testnet USDC: 0x534b2f3A21130d7a60830c2Df862319e593943A3 🧪 Mock USDC (Legacy): 0x754704Bc059F8C67012fEd69BC8A327a5aafb603