Payo
Send crypto to Telegram users who've never touched a wallet.
Videos
Tech Stack
Description
2.9 billion people use Telegram, but almost none have a crypto wallet. Payo bridges the gap.
Send USDC to any Telegram username instantly, even if they’ve never touched crypto. Just type /send @alice 50. No seed phrases, no claim links, no gas fees. The money just lands.
Recipients can hold, spend, or withdraw to an external wallet whenever they’re ready. Behind the scenes, funds are secured on-chain via Arbitrum and Rust Stylus contracts. We handle the complexity, users just send money.
Progress During Hackathon
What We Built: A Fully Functional End-to-End System
Rust Stylus Contracts (Arbitrum Sepolia)
Secure, high-performance vault handling all asset movement. Verified on-chain.
Gasless Telegram Bot
Full command suite /send, /withdraw) with a relayer architecture. Users pay zero gas.
Next.js Dashboard
The bridge between Web3 and Telegram. Handles deposits and history via RainbowKit.
Live Demo Ready
From the first deposit on the web to the final withdrawal on Telegram, the entire loop is working right now.
Fundraising Status
TBA.