NomNomPay

NomNomPay is an AI-powered social payment app built on Telegram, utilizing Circle's programmable wallet for seamless and enjoyable peer-to-peer payments in USDC.

This project integrates Circle’s programmable wallet technology with a large language model (LLM) within the Telegram chat environment, enabling effortless payments through both direct peer-to-peer interactions and group chats using only recipients' telegram handle. Inspired by TXT2TXN, an open-source web app that pairs user intents with LLMs to facilitate blockchain transactions, NomNomPay aims to streamline the everyday use of USDC stablecoins for the average user.

With Circle’s developer-controlled wallet, users do not need to create wallets from scratch or manage their own wallets. The AI-powered payment bot interface simplifies the payment process, especially for those who are new to crypto and unfamiliar with reading transactions. This project is particularly valuable for individuals lacking access to traditional banking systems or living in countries with high inflation, making it a meaningful public good initiative.

Product Features:

1. Smart and Intuitive UX:
   • The AI chatbot allows users to interact via natural language, accurately interpreting various linguistic styles, e.g., "Transfer 10 dollars to @alice," "Pay 30k IDR to @bob," or "Send @carl 15 euros."
   • The AI model supports over 50 languages and major currency conversions within the chat.
   • Users can upload receipts to the bot, which automatically splits bills among group members.
   • USDC-based payments are processed with near-instant speed.
   • Users can securely fund their wallets by scanning a QR code or a link generated in the payment bot.
   • Voice command functionality is available and being enhanced.
2. Cross-Chain Payments:
   • Users can fund and receive payments on their preferred blockchain. Currently, 3 chains are supported, including Arbitrum, Polygon and Ethereum Mainnet, allowing for lower gas fees and greater flexibility. Transfers between bot users on different chains will automatically decide between normal and cross-chain transfer based on the users network.
3. Fun Social Features:
   • To make payments fun and increase adoption, we have integrated Nouns into a playful sticker pack to allow users to post fun captions alongside payments. e.g., " Beer money, because of priorities 🍺", "Adulting is hard, but paying rent is easier 🏠", "Sending you love (and USDC) 💖"
   • Users can request payments directly through the payment bot app or in a group chat.
   • Group payments are easily managed, allowing users to split rent, utilities, or other expenses among members, with all transactions visible in the group chat to increase engagement.
4. ENS Integration:
   • Users can send and receive payments using ENS addresses for a simplified and recognizable user experience.

The project is written in python and based on python-telegram-bot to create the bot backend. Every user that signs up get assigned a smart contract wallet created via Circles developer controlled wallets. The user can send transactions via natural language which is parsed by GPT into a json schema that can be used in code. This setup supports sending to telegram usernames, ens names and wallet addresses. Users can mention a currency which will automatically be converted to USDC based on the current rates, e.g., Send 100k dong to @alice will result in a transaction to the wallet address of @alice with 4.07 USDC (100000 VND). Users are presented with a confirmation message showing which transaction would be executed. Splitting payments between multiple users is also supported via natural language, e.g. Split 20$ between @bob and alice.eth will send 10 USDC to each user. When users have their wallets on different chains, a cross-chain transfer using Circles CTTP will automatically be used without any special user interaction. For the user it works like any other transfer receiving just takes a bit longer than usual. The multiple transactions required are run automatically in the backend. Users receive notifications on incoming payments after they are confirmed by utilizing webhook and Circles notification system. Wallets can be funded easily by a generated payment link/qr code following EIP681 to make sure the user sends the expected token on the correct chain.