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Fluidpay is a mobile-first p2p payments app running on Base and USDC-centric, integrating smart account, stealth addresses and virtual cards to offer a seamless and secure experience with empowered privacy


Created At

ETHGlobal London

Winner of


Safe - Best app integrating the Safe 4337 Module 1st place


Gnosis - Decentralized Application (DApp) Interaction with Gnosis Pay 1st place


Gnosis - Other Innovative Use Cases on Top of Gnosis Pay


Dynamic - Integration magic

Project Description

Fluidpay proposes USDC as the true native digital dollar, easing p2p payments on Base through smart accounts while maintaining privacy thanks to stealth addresses. The web app allows you to deposit money, share request links to get paid, send money in a click, and create multiple virtual cards with different features (e.g, tokens received on that card account are automatically swapped for any token received to USDC, or automatically deposited on liquidity pools to earn interests). Moreover, users can connect their Gnosis Pay card, which they can fund directly from Base through cross-chain transactions allowing them to spend their crypto IRL.

How it's Made

This project is built on top of Fluidkey, a toolkit and infrastructure based on Safe smart accounts that allows to generate stealth addresses controlled by a single smart account. This feature allows the user to receive money on the same ENS that each time resolves to a different address. In this way nobody is able to reconstruct the user's balance as the stealth addresses are never linked with the main smart account. We integrated also with the new Safe smart accounts (v1.4) supporting ERC4337, so that we could sponsor transactions to users on Base through their paymaster and Pimlico. To ease the onboarding experience, we included Dynamic in our Next.js project, so that users can decide the best sign-in method for them (e.g. email, socials, wallets). Further down the line, we integrated Chainlink automation for our custom "virtual cards" (aka Safe smart accounts). Indeed we need those automation to perform the automatic swaps and deposits for liquidity providing on behalf of the user (for liquidity providing, we integrated with Pancake Swap). Moreover, each virtual card has it's own name and ENS subdomain so that users can easily share the sub-account of their choice whenever they want to receive a new payment. Finally, we used the Circle SDK in order to mint reward NFTs to users whenever they reach certain expense goal with specific merchants, becoming eligible for special discounts.

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