Pagar

Pagar is a human-readable payment layer for Web3. Instead of sending funds to long wallet addresses, users can pay with familiar IDs like email, phone, or social handles. Built on PYUSD and Solana, Pagar routes payments seamlessly across chains and lets users instantly swap into synthetic local-currency stables or tokenized assets. It combines the simplicity of PayPal/Venmo with crypto-native superpowers: alias-based identity, cross-chain liquidity, and attestations for trust. With Pagar, paying and investing on-chain is as easy as sending a message.

Pagar uses Privy for alias verification and wallet linking, a registry smart contract to map IDs to addresses, and a Next.js/Tailwind frontend with Wagmi for sending PYUSD. We simulate local-currency stablecoins by minting synthetic tokens priced via FX oracles, where liquidity is backed by each swap (when a user converts PYUSD, they collateralize the local currency). This makes cross-currency payments demo-ready without needing external off-ramps.