BlinkStream

BlinkPay Exchange Hub enables instant deposits, withdrawals, and micro-payments in PYUSD using a state-channel hub-and-spoke model. Users open a session by pre-funding once on-chain; all following actions—deposits, withdrawals, tips—occur off-chain in real time, giving a gasless and instant experience. When the session closes, the netted balance is settled on-chain in a single PYUSD transaction.

This design brings Lightning-style speed to stablecoins, offering instant UX, low fees, and atomic reconciliation across exchanges and dApps. It combines a Yellow-style off-chain session vault for balance accounting, AI-generated receipts (Blockscout MCP + OpenAI), and a Next.js + Tailwind interface for visualizing live sessions, tips, and settlements.

BlinkPay bridges Web2-level usability with the trust and transparency of Web3 settlement.

BlinkStream is a hybrid on-chain/off-chain system. • Smart Contracts (Solidity): SessionVault.sol manages session creation, spend tracking, and single-transaction settlement in PYUSD. • Backend (Node.js Express): Handles state-channel logic, bridges frontend to the chain using ethers.js. • Off-chain micro-ledger: Lightweight Yellow-inspired session store for tracking balances, allowances, and spends. • Frontend (Next.js + Tailwind + Shadcn): Interactive dashboard to start sessions, tip, and settle instantly. • AI integration: Blockscout MCP and OpenAI GPT-4o-mini summarize transactions into human-readable financial receipts. • Deployment: Tested on Sepolia via Infura RPC with PYUSD ERC-20.

Hacky details: built a mini state-channel simulator for off-chain settlement, used BigInt for 6-decimal PYUSD precision, and added manual session IDs for deterministic replay and debugging during live demos.