EygptFi

We are a Privacy-Preserving Payment Gateway with Yield & Cross-Chain Support all on Starknet.

Comment

Inspiration

We were inspired by the inefficiencies in Web3 commerce where merchants earn 0% on idle funds during transaction settlement. While billions of dollars flow through crypto payments daily, most funds remain non-yielding before withdrawal.

Our goal with EgyptFi is to bridge DeFi yield generation and merchant payments, allowing businesses to earn passive income automatically from their transaction flows. We envisioned a checkout system that not only processes payments but also activates yield on every transaction — turning idle liquidity into growth.

⚡ What It Does

EgyptFi is a yield-powered payment protocol that integrates directly with Vesu, Atomiq, and Xverse wallets to enhance Web3 merchant settlements.

It enables:

  • 🏦 Smart yield routing — funds received by merchants are automatically deposited into a Vesu pool to earn yield before withdrawal.
  • 🔁 Cross-chain settlement — powered by Atomiq, supporting BTC, ETH, MATIC, and STARK payments.
  • 🛍️ Merchant pool customization — merchants can choose which yield pool or strategy their funds go into.

In short, EgyptFi transforms crypto checkouts into yield-generating financial flows.

🏗️ How We Built It

We combined DeFi and payments through three coordinated layers:

  1. Smart Contracts (Cairo v2)
  • Manages merchant vaults, and Vesu strategy integration.
  • Implements yield allocation, pool selection, and auto-allocation mechanisms.
  1. Cross-chain Payment Layer
  • Integrated Atomiq SDK for BTC swaps.
  • Added Xverse BTC wallet.
  • Created an invisible wallet system to handle merchant-level settlements securely.
  1. Frontend & Dashboard (Next.js + StarkNet.js)
  • Displays yield analytics, merchant balances, and transaction histories.
  • Enables pool switching via a responsive interface.

⚔️ Challenges We Ran Into

  • Optimizing Cairo contracts for gas efficiency on StarkNet.
  • Managing cross-chain settlement delays between BTC and StarkNet.
  • Handling multiple wallet SDKs (Ready, Xverse, Chipipay) without conflicts.
  • Debugging liquidity routing between Vesu vaults and merchant wallets.

🏅 Accomplishments That We're Proud Of

  • Successfully integrated Vesu yield strategies into merchant checkout flows.
  • Built cross-chain swaps using Atomiq directly inside the payment layer.
  • Added BTC wallet support (Xverse) alongside NGN fiat gateways.
  • Designed a modular Cairo architecture for future yield extensions.
  • Created a yield dashboard showing live vault performance and pool analytics.

These integrations represent one of the first working prototypes of yield-augmented commerce built natively on StarkNet.

🧠 What We Learned

  • Deep understanding of Vesu strategy contracts and yield optimization models.
  • How to orchestrate liquidity between multiple blockchains and pools.
  • Practical experience with Cairo v2, StarkNet tooling, and composable DeFi systems.
  • Designing merchant UX that hides Web3 complexity while preserving decentralization.

🚀 What's Next for EgyptFi

  • Launching a full merchant pool dashboard for analytics and pool management.
  • Integrating Vesu vault creation directly through our dApp UI.
  • Expanding supported stablecoins (USDC, DAI, USDT).
  • Building on-chain yield leaderboards to gamify merchant earnings.
  • Partnering with payment providers and DAOs to onboard more merchants globally.

Our long-term goal is to make EgyptFi the default yield layer for Web3 payments, where every checkout automatically compounds value — for merchants, users, and DeFi ecosystems alike.

Let’s consider merchant daily turnover of ( T = 1,000,000 , \text{NGN} ) with a yield rate of ( y = 0.5% ):

[ \text{Daily Yield} = T \times y = 1,000,000 \times 0.005 = 5,000 , \text{NGN} ]

For 1,000 merchants, total ecosystem yield = ( 5,000,000 , \text{NGN/day} ).

Built With

Share this project:

Updates