PolyTap

PolyTap is a Web3-native payments application built on Polygon, designed to bring the convenience of Apple Pay or Google Pay into the blockchain world.

Users are issued NFC bracelets linked to smart wallets on Polygon. These wallets hold stablecoins like USDC or Tether. Once funded, payments are as simple as tapping your bracelet at a merchant’s NFC reader: 1. NFC Tap → The bracelet’s unique ID is mapped to a user smart wallet. 2. Smart Wallet Contract → Handles user balances and enforces spending rules (per-tap and daily limits). 3. Relayer → Submits the transaction on-chain so users don’t need MATIC for gas. 4.Merchant Payout → Merchant instantly receives USDC in their Polygon wallet.

PolyTap also supports: • ✅ Preloaded balances (top-up with MoonPay, Ramp, etc.) • ✅ Gasless UX via relayer • ✅ Transaction tracking + reporting dashboard • ✅ Future-ready integrations (subscriptions, refunds, dispute resolution)

This creates a seamless, real-world crypto payments experience, bridging Web2 convenience with Web3 rails.

• UserWallet.sol → per-user wallet, stores USDC, allows only the authorized relayer to trigger payMerchant(). • Factory.sol → deploys new wallets for each new bracelet, maps braceletId → wallet. • Events → all payments emit events for tracking & dashboards.

🔹 Off-Chain Backend • NFC Reader Integration → reads bracelet ID. • Lookup Table → matches ID with smart wallet address. • Relayer Service → submits tx on Polygon (pays gas).

🔹 Frontend / Dashboard • Merchant Dashboard → shows real-time payments. • User Dashboard (optional for hackathon) → shows balance, transaction history, refill options (MoonPay/Ramp).