AlphaWallet @AlphaWallet

One of the most used forks in the ETH community. github.com/AlphaWallet Joined December 2017

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AlphaWallet @AlphaWallet

a month ago

"Any wallet" includes this one. The PAN points at the wallet, the wallet never owns the PAN. Right way round. And since the PAN is an NFT, TokenScript renders it as a usable object, not a 16-digit string.

victorzh.eth @victorzh

a month ago

A bank card welds the number, the chip, and the account into one thing. @OpenPasskey split them. Own your PAN. Bind it to any card or phone. Point that at any wallet. Re-link whenever. The number outlives the card. The card outlives the wallet. Who wants 6690 8200 0777 7777?

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AlphaWallet @AlphaWallet

a month ago

@victorzh @OpenPasskey "Any wallet" includes this one. The PAN points at the wallet, the wallet never owns the PAN. Right way round. And since the PAN is an NFT, TokenScript renders it as a usable object, not a 16-digit string.

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victorzh.eth @victorzh

a month ago

AUDM @Macropod_AU retail payment went live in a Sydney café this week. Scan, pay, merchant has bankable AUD almost instantly. The rail underneath isn't the token. @OpenPasskey settles stablecoin in 1 second on Base, 0% protocol fee, no card network in the path. Same rail a person taps, an agent pays over x402/MPP. One settlement layer for human and machine money.

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jesse.base.eth @jessepollak

a month ago

AUD stablecoin payments, settling on Base 🇦🇺

victorzh.eth @victorzh

2 months ago

What does Australia's first retail payment in AUD stablecoin look like? A Sunday lunch at a Sydney Malaysian takeaway. Card tap, phone tap, or QR from any wallet. Customer pays @AUDD_digital, merchant keeps it or cashes out to AUD. No Visa. Settled on @base in seconds.

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victorzh.eth @victorzh

a month ago

The QR, explained. It's a plain ERC-681 URL (Not reinventing the wheel). ethereum:@/transfer with the amount and a receiving address. Every major wallet already reads this format, so any wallet scans and pays. Nothing custom to install. The receiving address is single-use. The terminal derives a fresh one per invoice with CREATE2, so no two payments share an address and nothing is reused. The customer's wallet sends straight to it, then the funds sweep to the merchant vault. No new app, no new account, no new card. Just a scan.

victorzh.eth @victorzh

2 months ago

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victorzh.eth @victorzh

a month ago

The phone tap, explained. On Android we use Host Card Emulation. The phone presents the same EMV card over NFC, no card needed in hand. On iPhone the secure NFC path (NFC SE) needs an Apple entitlement. We've applied. Not expecting it soon, Apple moves slowly here. We've also applied to Apple Pay and Google Pay. Same story, long queue. We're not waiting on either. The QR and card paths already work on every phone today.

victorzh.eth @victorzh

2 months ago

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victorzh.eth @victorzh

2 months ago

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victorzh.eth @victorzh

2 months ago

I know celo since 2019 while we were building @AlphaWallet I remember we are also one of the Celo Alliance members. To do local retail payments, we need to work with locally regulated local currency stablecoins which holds local licenses and provide easy minting and redeeming for locals. Different requirements compared to dex trading.

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victorzh.eth @victorzh

3 months ago

8/8 So: do stablecoin rails win, or does the 10 years acquirer moat hold? Asking seriously. One of us is right.

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victorzh.eth @victorzh

3 months ago

1/ Jack’s diagnosis is exactly right. POS is the last payment surface that hasn’t been rethought at infrastructure level. Card rails are still domestic-first with international bolt-ons. His solution keeps Visa.

Jack Zhang @awxjack

3 months ago

x.com/i/article/2044…

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victorzh.eth @victorzh

3 months ago

Every crypto card is a lie. Here's why. 🧵👇

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OpenPasskey @OpenPasskey

3 months ago

Card tap. Phone tap. QR scan. One terminal. Zero middlemen. Stablecoin payments settling on-chain in seconds, using the same EMV standard every terminal already reads. Built on @base.

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AlphaWallet @AlphaWallet

3 months ago

@victorzh well done

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victorzh.eth @victorzh

3 months ago

First integration call with a major payment processor. Their engineers said "adding a new card network requires new development." Actual work: 3 config entries (AID, CA public key, BIN route) and a URL. Acquirers hear "new card network" and think Visa-scale onboarding. Your job @OpenPasskey is to prove it's not.

victorzh.eth @victorzh

3 months ago

Three ways to pay. No Visa. No banks. Card tap. Phone tap. QR scan. All settling on-chain in seconds through the same pipeline. Same EMV standard every terminal already reads. Our own IIN from ISO. P-256 cryptography. Fully decentralized. Non-custodial. No middlemen. @OpenPasskey

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victorzh.eth @victorzh

3 months ago

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OpenPasskey @OpenPasskey

3 months ago

This is not a Visa card. It’s not a Mastercard. It’s our own card, with our own IIN from ISO, running on the same EMV contactless standard. P-256 cryptography. Settles on-chain in seconds. No banks. No card networks. No interchange. Same tap. Different rails. The RBA just banned surcharges. We removed the fees entirely. Built on @base

victorzh.eth @victorzh

3 months ago

Banning surcharges doesn't cut costs. It just moves them. Merchants will raise base prices to cover card fees. Banks and Visa keep earning the same money. The only difference: now cash users subsidise card users, and merchants take the blame for price increases instead of the

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victorzh.eth @victorzh

4 months ago

It takes payment via x402 and MPP as well 👊 physical + digital, human + agent

OpenPasskey @OpenPasskey

4 months ago

We built a stablecoin POS terminal that settles directly on-chain @base . No payment processor. No server in the critical path. Two ways to pay: 📱 Scan: ERC-681 QR, any EVM wallet 💳 Tap: EMV contactless HCE today, NFC SE and EMV cards coming (6690 8200 xxxx xxxx), P-256

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Alfred Zhang @Alfredz0x

5 months ago

The x402 ecosystem is growing fast. @CoinbaseDev @stripe @base all building the rails. Builders shipping live services. httpay.xyz is one of the first — ~100 pay-per-call APIs for AI agents. What are you building with x402?

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victorzh.eth @victorzh

5 months ago

We started OpenPasskey because we saw this gap firsthand. Walked into 100+ cafes in Sydney. Every owner had a drawer of dead loyalty cards and a POS terminal they barely understood. None of them wanted another app. All of them wanted repeat customers. One NFC tap. No card. No app. Loyalty earned onchain. That's the whole product. The Nilson Report is projecting 32B+ cards by 2030. We're betting the next card scheme looks nothing like a card.

OpenPasskey @OpenPasskey

5 months ago

1/The Nilson Report just projected 32.62 billion payment cards in circulation by 2030. But buried in the same issue: Ingenico now supports stablecoin checkout at POS. Worldline is building AI agent payment rails. Visa and Apple are provisioning credentials directly to phone