NanoLoan

NanoLend Global is a multi-chain Buy Now Pay Later (BNPL) platform built for financial inclusion. Users can instantly purchase products from verified merchants without upfront payment, while merchants receive immediate settlement and can offramp across multiple chains.

Key Features:

• Multi-Chain Architecture: Core lending on World Chain with Ethereum offramping/repayment
• Circle CCTP V2 Bridging: Instant cross-chain USDC transfers for settlements and repayments
• World ID Verification: Sybil-resistant identity verification for credit scoring
• Gasless UX: Circle Paymaster eliminates transaction costs for users
• Progressive Credit: Dynamic credit limits that grow with repayment history
• Cross-Chain Offramping: Merchants can bridge funds to Ethereum for liquidity
• Future Solana Support: Planned integration for additional offramping options
• Financial Inclusion: Targeting emerging markets with ultra-low-cost micro-transactions

The platform enables merchants to receive instant liquidity on World Chain while offering cross-chain settlement options, creating a sustainable BNPL ecosystem that bridges DeFi accessibility with traditional commerce needs.

NanoLend Global showcases advanced multi-chain DeFi architecture:

Smart Contracts (Solidity):

• CrossChainBNPL.sol with comprehensive lending logic on World Chain
• Built with Foundry framework, OpenZeppelin security patterns (ReentrancyGuard, Pausable)
• Implements Permit2 for gasless token transfers and progressive credit scoring
• Circle CCTP V2 integration for cross-chain USDC bridging to Ethereum

Frontend (Next.js 15 + React 19):

• Mobile-first design optimized for World App with TypeScript for type safety
• Viem + Wagmi for blockchain interactions, integrated with World SDK
• Real-time dashboard showing loan balances, credit progression, and bridge options
• Bridge interface for merchants to offramp funds to Ethereum (Solana planned)

Partner Integrations:

• Circle: CCTP V2 for native cross-chain USDC transfers + Paymaster for gasless UX
• Coinbase CDP: Embedded wallets as primary solution + onramp for fiat→USDC conversion
• World ID: Sybil-resistant verification with privacy-preserving proofs for credit scoring

Technical Innovation:

• Multi-chain BNPL with core lending on World Chain and cross-chain settlements
• Circle CCTP V2 integration enabling instant burns/mints to Ethereum
• Progressive credit algorithm that increases limits based on repayment behavior
• Extensible architecture designed for future Solana integration
• Production-grade error handling with exponential backoff and comprehensive logging

Built entirely during ETH Global NYC 2025, demonstrating rapid prototyping of complex multi-chain DeFi infrastructure while maintaining production-quality code standards.