NeverPay

NeverPay is a DeFi-powered credit marketplace. Users deposit USDC if available, else use LiFi to bridge it, and when deposited to the contract it is automatically supplied to Aave V3 to generate yield. That yield is converted into credits — 50 credits per $1 deposited — which can be spent across multiple platforms without ever actually spending money. (For the proof we have added image generation via Gemini 2.5 Flash, multi-turn chat via Gemini 2.0 Flash)

The principal remains untouched and can be withdrawn at any time. Users can also bridge tokens from any chain (Ethereum, Polygon, Arbitrum, Optimism, BNB, Avalanche) directly to Base USDC using LI.FI, reducing friction for onboarding. The result: pay once with your wallet, use AI services effectively forever — funded by DeFi yield.

Built on Base with two Solidity contracts: PlatformRegistry (manages authorized platforms) and YieldVault (handles USDC deposits, Aave V3 supply/withdraw, and on-chain credit minting/deduction). The frontend is Next.js 16 App Router. Credit deduction is enforced on-chain via YieldVault.useCredits(). Cross-chain deposits are handled by LI.FI SDK with wagmi EVM provider - users can bridge ETH, USDC, USDT, DAI, WBTC and more from 8 chains directly to Base USDC in one transaction. Wallet connectivity uses wagmi v2 + RainbowKit.