nanopay

nanopay is a mobile-first financial app multichain, designed to bring practical crypto utility to everyday users — particularly in emerging markets where access to traditional banking is limited. The app combines peer-to-peer USDC payments, Aave V3 yield-bearing savings, GoodDollar UBI claims, and a location-based social layer (Geo Chat) into a single progressive web app.

Users create self-custodial wallets, earn XP through daily financial activity, and redeem that XP for USDC — making basic financial engagement genuinely rewarding. nanopay's Sybil resistance layer (MaxFlow) uses a trust graph built from social vouching to verify real humans without centralized identity gatekeeping.