Amipay — AI-Powered Stablecoin Remittance

in development — backend API, smart contract, and mobile frontend are functional; WebSocket orchestrator, full transaction flow, and production deployment are in progress

What it does

Lets users send USDC stablecoin payments through a chat-like mobile interface using plain English commands. The AI parses user intent (transfers, balance checks, transaction history), the backend validates and orchestrates the flow (balance checks, recipient resolution, confirmation prompts), and the Solana smart contract executes the on-chain USDC transfer — all without the user needing to understand wallets, token accounts, or blockchain mechanics.

Problem

Cross-border remittances are slow, expensive, and confusing. Traditional services charge high fees and take days. Crypto solves the cost and speed problem but introduces wallet complexity that most users can't navigate. Amipay removes that friction by letting users interact in natural language while the system handles all blockchain operations behind the scenes.

Approach

Three-layer architecture with strict security boundaries: (1) A React Native / Expo mobile app provides a chat UI and tab-based navigation for home, contacts, activities, cards, and payments. (2) A Rust/Actix Web backend acts as the central orchestrator — it forwards user messages to a DeepSeek AI model for structured intent parsing (the AI never sees keys, balances, or addresses), validates the parsed intent, resolves recipients from PostgreSQL, checks on-chain balances, and builds/submits Solana transactions. (3) An Anchor smart contract on Solana manages PDA-based vaults and executes USDC transfers via the SPL Token interface. The system uses a custodial model where the backend holds signing authority, with JWT authentication, bcrypt password hashing, and WebSocket support for real-time multi-step conversational flows. Docker Compose orchestrates the services, and Nginx handles SSL termination and reverse proxying.

Highlights

AI-powered natural language intent parsing — users say 'Send $100 to Mom' instead of filling forms
Strict AI security boundary — the model is a pure translator that never sees private keys, wallet addresses, or balances
Solana smart contract with PDA-based vault architecture for secure, program-controlled USDC transfers
Multi-step conversational transaction flow with recipient disambiguation and explicit user confirmation
Jupiter DEX aggregator integration for on-chain token swaps
React Native mobile app with Expo Router, tab navigation, wallet connect, and Solana Mobile Wallet Adapter support
Rust backend delivering memory safety, high performance, and type-safe database queries via Diesel ORM
Dockerized deployment with Nginx reverse proxy, SSL via Let's Encrypt, and WebSocket upgrade support
Prisma-based database utility for schema management alongside Diesel migrations
Custodial wallet model for frictionless UX — no wallet setup required from the user