DigitPay — Bridging Crypto to Real-World Payments Project Description
DigitPay is a next-generation payment platform that enables users to convert their cryptocurrency holdings into fiat and seamlessly use them to pay for goods and services in the real world.
By integrating crypto wallets, fiat on/off-ramps, and merchant payment systems, DigitPay removes the friction between digital assets and everyday spending — empowering users to transact globally without worrying about liquidity, volatility, or conversions.
🌍 Key Features 🔄 Crypto-to-Fiat Conversion
Convert supported cryptocurrencies (e.g., Bitcoin, Ethereum, USDT) into fiat currencies (USD, EUR, NGN, etc.) in real time.
💳 Merchant Payments
Use your crypto balance to pay for goods and services directly through integrated payment gateways or partner merchants.
🪪 User Wallet Integration
Connect popular Web3 wallets like MetaMask, WalletConnect, or Trust Wallet to fund your account or make payments.
🏦 Instant Settlement
Funds are instantly converted and settled in merchants’ fiat accounts, ensuring smooth transactions and stable pricing.
🔐 Security & Compliance
DigitPay uses end-to-end encryption, KYC verification, and smart contract-based escrow to ensure safety and compliance with financial regulations.
💼 Multi-Currency Support
Supports multiple crypto and fiat pairs, enabling global reach and flexible payments.
🧱 Architecture Overview
DigitPay consists of three main layers:
Frontend (User Interface)
Built with modern frameworks (React, Tailwind, Next.js).
Provides an intuitive dashboard for balance tracking, conversion, and payments.
Backend (API & Payment Engine)
Handles user authentication, wallet linking, fiat conversion, and merchant settlement.
Integrates with blockchain APIs (for crypto) and payment APIs (for fiat).
Technologies: Node.js, Express, MongoDB, Web3.js / Ethers.js.
Smart Contracts (Crypto Layer)
Securely handle crypto deposits, withdrawals, and conversion triggers.
Ensures transparency and traceability on supported blockchain networks.
⚙ Getting Started
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Clone the Repository
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fork the repo cd DigitPay
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Install Dependencies npm install
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Configure Environment Variables
Create a .env file and include:
MONGO_URI= PRIVATE_KEY= INFURA_API_KEY= PAYSTACK_API_KEY=
- Run the Application npm run dev
Visit http://localhost:3000 to access the app.
🧩 Tech Stack Layer Technology Frontend React, TailwindCSS, Next.js Backend Node.js, Express, MongoDB Blockchain Ethereum / Lisk / Polygon (via Ethers.js or Web3.js) Payment API Paystack / Stripe / Flutterwave Authentication JWT, OAuth, MetaMask Deployment Vercel / Render / AWS 🔒 Security
Encrypted API communications (HTTPS)
Smart contract-based fund custody
Identity verification (KYC/AML)
2FA support for users and merchants
🚀 Future Roadmap
Launch KeloPay Merchant Dashboard
Integrate cross-chain swaps
Support for stablecoins and CBDCs
Introduce virtual crypto debit cards
Mobile app (iOS/Android)
👥 Contributing
Contributions are welcome!
Fork the repository
Create your feature branch
Commit your changes
Push and open a pull request
📄 License
This project is licensed under the MIT License.
✉ Contact
Bandwidth Labs 📧 [email protected]