ZerôPâŷ Money
Payments that dont wait for Network
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ZeroPay Money is an offline-first payment protocol for the 1.4B unbanked worldwide, incl. 38M in Nigeria. Our terminal signs transactions offline using ECC P-256 crypto, anchored to a silicon-level PUF for tamper-proof hardware identity, with distance-bounding checks against relay attacks. Transactions sync automatically once connectivity returns (up to 72hrs offline). Formally verified via TLA+. Live: a working Paystack integration plus a self-funded crowdfunding round for our first terminals.
PH · launched Sep 11, 2026 · 2 upvotes (top 26%) · 0 views
Niche: billing and payment platforms · 146 launches, 12 in the last 7 days ▼ -33% · Explore this niche →
Category and tags
- Fintech
- Vertical SaaS
- B2B
- Not AI
- Commercial product
- Fintech
- Payments
- Artificial Intelligence
Visit website ↗ Source listing ↗
More like this: all 146 launches in billing and payment platforms →
Could you build this?
No Building tamper-proof offline transaction terminals requires custom silicon engineering (PUF integration), advanced cryptographic protocols to mitigate relay attacks, and complex financial regulatory compliance.
What it would actually take: A real implementation requires custom embedded hardware terminals with secure cryptoprocessors capable of reading silicon-level Physically Unclonable Functions (PUFs) for key derivation. The firmware must implement precise nanosecond-level time-of-flight distance-bounding protocols over NFC/UWB to prevent relay fraud, alongside an offline double-spending mitigation engine and asynchronous settlement ledgers. This demands specialized embedded hardware engineers, cryptographers, and banking regulatory certification.
Competitors
Other products that read as similar to this one : 369 launches clear the similarity bar, closest 8 shown.
Attention rank: #80 of 370 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 310 days after the earliest competitor.
- ZeroKYC Pay · ph · 2026-10-24 · 1 upvotes · similarity 0.54
- RizPay · ph · 2026-10-11 · 1 upvotes · similarity 0.53
- Nexpay · ph · 2026-09-22 · 1 upvotes · similarity 0.51
- UMVA PAY · ph · 2026-09-10 · 1 upvotes · similarity 0.48
- TheyPaid · ph · 2026-09-16 · 1 upvotes · similarity 0.47
- PassimPay · ph · 2026-11-10 · 1 upvotes · similarity 0.47
- Tupay · ph · 2026-10-16 · 1 upvotes · similarity 0.47
- How to Verify USDC Payments on Base Without a Payment Processor · hn · 2026-02-22 · 7 upvotes · similarity 0.46
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