MNEEChat

Send, receive and schedule MNEE payments via WhatsApp — no wallets, just your phone number.

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MNEEchat - Project Submission

Inspiration

Crypto has a friction problem. Buying stablecoins means exchanges, KYC, gas fees. Sending them means copying 42-character addresses and praying you didn't typo. Receiving them means convincing your mom to install MetaMask.

The average user gives up.

We asked: What if we removed ALL of that friction?

WhatsApp already has 2 billion daily users who know how to text. These users don't need a new app — they need a new capability inside the app they already trust.

MNEEchat makes MNEE the most accessible stablecoin on the planet by meeting users where they are. No wallets, no seed phrases, no 0x addresses. Just type "send 50 to +919876543210" and it's done.

When 2 billion people can send MNEE as easily as a text message, MNEE becomes the default digital dollar — not because it's technically superior, but because it's effortlessly usable.

What it does

MNEEchat transforms WhatsApp into a programmable banking interface:

  • 💸 Instant P2P Transfers — "Send 50 to +919876543210" and it's done
  • ⏰ Recurring Payments — "Pay my landlord 5000 every month" runs automatically
  • 📩 Payment Requests — Invoice anyone via WhatsApp, they pay with one reply
  • 🔒 Smart Savings Locks — Time-lock your MNEE so you can't impulse-spend it
  • 🌐 Web Portal — Send MNEE or gas (ETH) to any phone number from a browser

Your phone number IS your wallet address. Recipients get notified instantly. Everything settles on-chain.

How we built it

  • Backend: Node.js + Express server handling Twilio webhooks
  • Blockchain: Sepolia testnet with custom smart contracts (SavingsLock, PaymentRequest, ScheduledPayment)
  • Wallets: Coinbase CDP for secure MPC server-side wallets — users never see seed phrases
  • Frontend: React + Vite + RainbowKit for the web transfer portal
  • Token: Deployed custom MockMNEE (6 decimals) to match real MNEE specifications

Contract Addresses (Sepolia Testnet)

We deployed a MockMNEE ERC20 token to simulate the exact behavior of MNEE on testnet.

Challenges we ran into

  1. Gas fees still required — Users need Sepolia ETH for transactions; true gasless UX requires meta-transactions or paymaster integration (next iteration)
  2. WhatsApp group limitations — Twilio bots cannot be added to WhatsApp groups, blocking our planned group payment features
  3. Contract migrations — Switching from a test token to MockMNEE required redeploying all contracts mid-hackathon
  4. Twilio sandbox restrictions — Only pre-registered numbers can receive messages in sandbox mode
  5. Balance timing — Fetching balance immediately after a transaction returned stale data; added confirmation delays

Accomplishments that we're proud of

  • Zero-friction onboarding — Users get a wallet by just texting "Hi"
  • Full on-chain — Not custodial. Every transfer is a real blockchain transaction
  • Works on any phone — Dumbphones with WhatsApp can use MNEE
  • 4 smart contracts deployed — MockMNEE, PaymentRequest, SavingsLock, ScheduledPayment
  • Bi-directional notifications — Both sender and recipient get WhatsApp confirmations

What we learned

  • Coinbase CDP is incredibly powerful for server-side wallet management
  • WhatsApp's reach makes it the ultimate distribution channel for crypto onboarding
  • Simple UX beats complex features — "send 10 to +91..." is more powerful than any DEX interface
  • Gas fees remain the biggest barrier to true mainstream adoption

What's next for MNEEChat

  1. Mainnet deployment with real MNEE token
  2. Gasless transactions via MNEE Native SDK or ERC-4337 paymasters
  3. Group payments — Split bills, crowdfunding via WhatsApp groups (pending Twilio API support)
  4. Merchant mode — Small businesses accept MNEE with automated invoicing
  5. Multi-chain support — Same UX on Polygon, Base, Arbitrum
  6. Biometric confirmation — Voice/fingerprint for high-value transactions

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