CBDeFi

Onchain payment rails for human & AI agents on India's UPI network.

CBDeFi is building the foundational financial infrastructure for India's emerging agentic economy. The project is a decentralized, regulatory-aware protocol that bridges the gap between the digital asset ecosystem and India's ubiquitous real-world payment network, UPI (Unified Payments Interface). At its core is wINR, a stablecoin fully collateralized 1:1 with India's Central Bank Digital Currency (e-rupee), ensuring stability and compliance. This allows any user with a self-custodial crypto wallet to instantly scan and pay at over 300 million UPI QR codes across the country.

Beyond enabling human transactions, our rails are purpose-built for AI. We provide an Agentic API and SDK that allows developers to embed financial capabilities directly into AI personal assistants. This transforms them from passive information providers into autonomous agents that can execute real-world financial tasks—like paying bills, investing, and managing budgets—on behalf of their users, all via the trusted and universal UPI network. We are building the protocol that will power agentic commerce in the world's largest digital economy.

Architecture     •    Flows: KYC/AML → e₹ deposit → IPFS receipt → mint wINR → optional v4 swap (hook-gated) → burn on redemption.     •    Separation: Token mint/burn is custodial and role-gated. Market making is isolated in a v4 pool + Hook.

Tech Stack     •    Smart contracts: Solidity, OpenZeppelin v5, Uniswap v4 PoolManager + custom Hook (KYC/blacklist checks), Foundry for build/test/scripts.     •    Frontend: Next.js 15 (App Router) + TypeScript, TailwindCSS + shadcn/ui, thirdweb v5 React/TS SDK for wallet + ERC-20 reads/writes, viem for v4 PoolManager calls.     •    Backend (server routes): Next.js API routes (Node runtime) for privileged ops: KYC checks, deposit webhooks, mintTo, burnFrom, airdrop CSV.     •    Blockchain: Sepolia (ETHGlobal requirement).     •    Storage/Audit: IPFS via thirdweb storage (stores deposit/mint receipts CIDs).     •    DB (optional): Postgres/Turso for KYC state, deposit intents, audit pointers.     •    Agentic layer: LLM + MCP tools that orchestrate: chain writes, v4 pool ops, KYC store, IPFS logs, CI hooks.     •    CI/CD & deploy: GitHub Actions (tests, coverage, security), Vercel for web app deploys, Etherscan verification in Foundry scripts.

Key Components     •    Auth/Identity: Wallet connect (thirdweb UI), KYC gate in UI, server-side allow/deny lists.     •    Compliance: Hook enforces beforeSwap/beforeModifyPosition; token _update uses role checks; admin panel manages lists.     •    UX: Status chips (KYC/Deposit/Minted), mint/redeem flows, swap widget (approval + v4 swap), admin airdrop uploader.

Why this design     •    Keeps peg logic and compliance off the AMM path but enforceable at execution (Hook).     •    Minimizes token complexity; all sales/fees disabled on ERC-20.     •    Clear ops: observable receipts (IPFS), reproducible deploys (Foundry), rapid shipping (Vercel).