GEN PAY

GEN PAY transforms plain language into personalized payment plans, making digital payments and crypto onboarding simple for anyone, anywhere. Today, sending or receiving money with crypto is still intimidating for most people. Wallet setup, complex chains, technical jargon, and compliance hurdles all add friction. The reality: Most new users struggle with wallets and key management.

Cross-border payments often require multiple intermediaries.

Few people have the time (or expertise) to learn the technical side of Web3.

So how do we remove these barriers and make crypto payments even easier and more flexible than Venmo and PayPal? With GEN PAY. 🌍💸 GEN PAY is a smart payments platform that lets anyone describe what they want—like “Send $200 every Friday for three months”—and automatically turns it into a structured plan. Under the hood, GEN PAY provisions wallets, manages funding, handles cross-chain transfers, and ensures the receiver can cash out in their preferred way. For the user, it’s as simple as writing a sentence. Users can onboard instantly with or without an existing wallet, set their role as sender or receiver, and share a secure link with their counterparty to accept the plan. Funding can happen through fiat on-ramps or existing USDC balances, and recipients can choose to keep funds in crypto or cash out seamlessly. GEN PAY makes global payments accessible, personalized, and user-friendly—helping onboard the next billion people into Web3 without the complexity.

Technologies Used: Dynamic wallets (embedded & server), Fern on/off ramps, Circle’s CCTP v2 Fast Transfers, Vercel cron jobs, NLP (structured JSON generation), EVM-compatible chains, USDC We use Dynamic to handle both user and agent wallets. New users with no wallet can spin up an embedded wallet instantly, while advanced users can connect their existing wallet (like MetaMask) with the same ease. Our NLP engine takes in plain, unstructured language (like “Send $200 weekly for 3 months”) and produces structured JSON variables that define the payment plan. These variables control how funds move through the system. We deploy Dynamic server wallets as Agent Wallets—secure temporary wallets that hold sender funds until conditions of the plan are met. For funding, senders have two options: Fern onramp: fiat → USDC → Agent Wallet (with KYC/payout profile if needed).

Direct transfer: move existing USDC from their connected or embedded wallet into the Agent Wallet.

We use Circle’s CCTP v2 Fast Transfers to handle cross-chain USDC flows. If a sender picks a source chain that isn’t supported, the system prompts them to switch to a compatible chain. Receivers log in with Dynamic, choose their payout chain, and optionally auto cash-out to fiat through Fern. Settlement and transfers are automated through a Vercel cron job, ensuring reliability without manual intervention. GEN PAY orchestrates all of this behind the scenes—turning plain sentences into fully-executable cross-chain payment flows that are fast, compliant, and user-friendly.