Vloo

Card-Based Wallet for Everyday MNEE Payments

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Project Overview

VLOO is a multi-chain, non-custodial wallet designed to make crypto usable for everyday payments by non-crypto users.

While most crypto wallets focus on asset storage, trading, or DeFi, VLOO focuses on real-world usage:

  • daily payments
  • salary distribution
  • scheduled transfers
  • trustless value transfer without custodians

VLOO combines:

  • a mobile wallet application (React Native / Expo)
  • deterministic wallet generation
  • MNEE as the primary payment asset
  • and a future-ready card-based access model

The result is a crypto wallet that feels closer to a digital payment app than a traditional blockchain wallet.

Which one?

Purpose

The biggest barrier to crypto adoption is not blockchain scalability or cryptography — it is usability.

In emerging markets, most users interact with crypto only through:

  • centralized exchanges
  • speculative trading
  • passive holding

Crypto rarely functions as an everyday payment tool, even though it was designed for trustless peer-to-peer transactions.

This happens because of two structural problems:

1. Most crypto assets are unsuitable for daily payments

Popular assets like Bitcoin and Ethereum are:

  • volatile
  • dependent on gas fees
  • slow or unpredictable in settlement
  • impractical for small, frequent transactions

2. Wallet UX is hostile to non-crypto users

Non-technical users are blocked by:

  • 12/24-word seed phrases
  • private key management
  • manual backups
  • irreversible loss due to simple mistakes

For most people, this complexity is a deal-breaker.

VLOO solves both problems together

VLOO is built around MNEE as a daily payment asset, combined with a wallet experience that minimizes crypto-specific friction.

The core goals of VLOO are:

  • make crypto payments simple and familiar
  • eliminate seed phrase anxiety
  • enable trustless payments without custodians
  • support real-world payment flows like salaries, gifting, and scheduled transfers

VLOO allows users to use crypto without needing to understand crypto.

Architecture & Design Philosophy

VLOO is designed with a layered approach:

Application Layer (Current MVP)

  • Mobile wallet built with React Native & Expo
  • Deterministic wallet generation per chain
  • Secure key handling and local storage
  • Multi-chain support for interoperability

Payment Layer (Core Focus)

  • MNEE as the primary asset for:
    • payments
    • gifting
    • scheduled transfers
    • batch transactions

Access Layer (Future Extension)

  • Card-based wallet access using secure elements (JavaCard)
  • Physical card + passphrase as wallet authentication
  • Transaction signing performed inside the card

This separation allows VLOO to work today as a mobile app, while remaining compatible with future hardware-based access.

Features

1. Multi-Chain Wallet Support

VLOO supports multiple blockchain networks to ensure interoperability and flexibility:

  • MNEE (EVM/BSV 1sat Support)
  • Bitcoin
  • Ethereum / EVM chains (Polygon, BSC, etc.)
  • Solana
  • Hedera

Multi-chain support allows users to:

  • receive assets from different ecosystems
  • consolidate balances
  • gradually onboard into MNEE-based payments

2. MNEE-First Payment Experience

Although VLOO is multi-chain, MNEE is the primary payment asset.

Implemented MNEE features include:

  • balance checking
  • direct transfers
  • multi-recipient transfers (batch payments)
  • transaction history
  • price fetching via CoinGecko API

MNEE is used for:

  • daily spending
  • salary distribution
  • peer-to-peer transfers
  • gifting

3. VLOO Gifting (Digital Gift Wallets)

VLOO introduces “Vloos”, digital gift wallets that allow users to:

  • preload MNEE
  • send value as a gift
  • onboard new users without prior crypto knowledge

This feature acts as a bridge onboarding mechanism, allowing recipients to receive crypto before fully understanding wallets or blockchains.

4. Scheduled Transfers

VLOO supports scheduled MNEE transfers, enabling:

  • monthly salaries
  • allowances
  • subscriptions
  • recurring payments

Transfers can be defined with:

  • execution date and time
  • single or multiple recipients
  • predefined amounts

(Scheduler persistence and automation handled via backend integration.)

5. Deterministic & Secure Wallet Generation

VLOO uses deterministic key generation to:

  • derive wallets consistently
  • reduce reliance on manual seed phrase handling
  • enable future compatibility with hardware-based signing

Keys are handled securely within the app and designed to be migrated to secure elements in later phases.

6. Clean, Human-Friendly UI

The interface is designed to:

  • avoid crypto jargon
  • resemble familiar payment apps
  • reduce cognitive load

Built with:

  • custom theming
  • Lucide icons
  • responsive layouts

Use of MNEE

MNEE or BTC?

MNEE is the core payment rail of the VLOO ecosystem.

VLOO is designed around the assumption that a daily payment asset must be:

  • stable
  • fast
  • predictable in cost
  • suitable for frequent transactions

MNEE fulfills these requirements.

Why MNEE Is Essential to VLOO

  • Gasless transactions → no unpredictable fees
  • Instant settlement → real-time payments
  • Low volatility → safe for daily spending
  • Payment-oriented design → not speculative by nature

Without MNEE, VLOO would inherit the same usability issues as traditional crypto wallets.

Implemented MNEE Capabilities

  • Check MNEE balance
  • Transfer MNEE
  • Multi-transfer (batch payments)
  • Retrieve transaction history
  • Fetch MNEE price data

Planned MNEE Extensions

  • Scheduled salary and subscription automation
  • Multi-source card funding (shared wallets, family use cases)
  • Card-based signing for offline-first payment flows

Vision

VLOO is not trying to replace all crypto wallets.

VLOO is built for one clear purpose:

to make crypto usable for everyday life.

By combining:

  • a user-friendly mobile app
  • MNEE as a daily payment asset
  • gifting and scheduling features
  • and future card-based access

VLOO moves crypto:

  • out of exchanges
  • beyond speculation
  • into real-world payments

Trustless.
Non-custodial.
Human-friendly.

Built With

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