uPAL

Meet the app that gets you your one-stop solution for UPI, crypto, and global payments. Imagine sending money, paying for services, or sending crypto across the world, all in one seamless experience. No confusing wallets, no complicated steps pay on the go.

Why it’s different:

1. All-in-One Payments: Whether it’s INR, crypto, PYUSD, or cross-border transfers, you can do it all in one place. Send money in your preferred mode, receive it in your friend’s preferred mode, and never worry about conversions.

2. Smart Wallets & Identity: Every user gets a self-custodial wallet and an ENS subname linked to phone, wallet, and UPI ID. Scan a QR code, and the app automatically detects the payment type easy, fast, and foolproof.

3. Buy Crypto Instantly: No crypto? No problem. Buy PYUSD using UPI, instantly on-ramp into your wallet, or off-ramp anytime.

4. Cross-Border Made Simple: Send money abroad without stress. PYUSD keeps transfers stable, fast, and low-fee—no crypto expertise needed and compliant proof.

5. Save & Request Money: Keep all your contacts, UPI IDs, wallet addresses, and ENS subnames in one place. Send payment requests and let your friends pay the way they want while you receive in your preferred mode.

Why users will love it:

1. Gen Z–friendly UX: Minimal, intuitive, and fast just like your favorite apps.
2. Gas-free transactions: We cover blockchain fees, with plans to move PYUSD to a cheap Layer 2 for even smoother transfers.
3. Future-ready: If crypto adoption grows in India, our users are already ahead of the curve.
4. Viral & Social: ENS subnames + address book sharing means your friends can find and pay you instantly perfect for peer-to-peer adoption.

Use Cases:

1. Everyday payments: Split bills, recharge, or book services.
2. Crypto microtransactions: Pay or receive crypto for work, gigs, or small services.
3. Cross-border transfers: Send money to family or friends abroad in seconds.
4. Merchant payments: Businesses accept INR, crypto, or PYUSD without juggling wallets.
5. Digital identity: Your ENS subname acts as your portable, universal payment ID.

In short: This isn’t just another payment app. It’s your money, your way. Seamless, fast, and built for the next generation. Whether you’re sending INR, crypto, or PYUSD across the globe, the app makes it effortless, fun, and frictionless.

Building this app has been a wild, fun ride and long time dream. At its core, I wanted something that feels as simple as UPI but packs the power of crypto and cross-border payments.

For the frontend, I used React Vite, which gave me a fast, snappy interface with minimal load times perfect for the smooth UX I was aiming for. On the backend, I used Node.js with Express, giving me flexibility to handle multiple payment modes, wallet management, and API integrations seamlessly.

Here’s where it gets interesting: every time a user signs up, I automatically create a self-custodial wallet for them. No manual setup, no confusing keys. On top of that, I generate an ENS off-chain subname, which links together their wallet, UPI ID, phone number, and all payment modes. This makes peer-to-peer payments as easy as scanning a QR code.

Speaking of QR codes, here’s the hacky magic I’m proud of I built one QR code that supports multiple payment modes. The app automatically detects the mode and switches seamlessly—send INR via UPI, pay in crypto, or convert to PYUSD—it all just works, no extra steps. This is what makes the app feel truly frictionless.

For crypto and payments, I used Flow for consumer grade transactions fast, reliable, and scalable for mass adoption. PYUSD powers stablecoin payments and cross-border transfers, giving institutional grade compliance and regulatory proof, which makes the app future-ready. I deployed PYUSD on Ethereum Sepolia to leverage the Ethereum ecosystem for stability and testnet experimentation.

My backend is deployed on Fluence, giving me a decentralized, robust infrastructure that can handle multiple users and payments without a hitch.

The coolest part? Despite all the tech under the hood, the app is practical and ready to go live immediately (I’m just simulating UPI for now). It’s designed to be used today, not just imagined for tomorrow.

In short React + Vite frontend, Node with Express backend, smart wallets, ENS subnames, Flow, PYUSD on Ethereum Sepolia, multi-mode QR magic wrapped in a sleek, usable app.

Partner technologies like ENS, Flow, PYUSD, and Ethereum made this possible, giving the app identity, scalability, compliance, and stability, all in one place.