Send crypto to an email address or phone number. No wallet address needed. No QR codes. Just type and send.
Blockchain addresses like 0x7a3b...4f2c are not designed for humans. They cannot be spoken aloud, cannot be remembered, and are easy to mistype. Sending a transfer requires copying 42-character hex strings — a process that is error-prone and intimidating for mainstream users.
Try telling someone your Ethereum address over the phone. Hex strings are designed for machines, not conversations.
One wrong character sends funds to a non-existent address. No confirmation, no reversal. Funds are permanently lost.
Clipboard malware replaces copied addresses with attacker-controlled ones. A common vector for theft that is invisible to the user.
HFI-Pay uses an intent-based architecture. The sender expresses a payment intent using a human-readable identifier, and the protocol handles discovery, locking, verification, and settlement.
The sender specifies the recipient by email or phone number and the amount. The system creates a payment intent that is locked on-chain, bound to the recipient's DiscoveryID (HMAC-derived from their identifier). The recipient receives a notification, verifies their identity, and claims the funds. If unclaimed after a timeout period, the sender can reclaim.
The recipient does not need a pre-existing wallet. When they verify their identity (email or phone), the system discovers or creates their on-chain identity via VA-DAR and releases the locked funds to their account. The first payment someone receives can also be their wallet creation event.
HFI-Pay intents can target multiple VMs within ACE Chain. When you pay to an email address, the recipient receives tokens on their preferred VM — EVM, SVM, or any other supported execution environment.
Payment intents are not bound to a specific VM. The recipient's preference determines where the funds land. Same payment, flexible delivery.
Because all VMs share one token ledger, cross-VM payments are just balance changes. No wrapping, no bridging, no conversion fees.
Claims are verified using zero-knowledge proofs. The recipient proves ownership of the identifier (email or phone) without revealing it on-chain. The verification happens off-chain, and only the proof is submitted for settlement.
This ensures that the on-chain record contains no human-readable information. An observer sees a DiscoveryID and a ZK proof — they cannot determine which email address or phone number was used.
HFI-Pay is built with privacy as a core requirement, not an afterthought. Payment intents are bound to DiscoveryIDs (HMAC-derived), not plaintext identifiers. On-chain observers cannot determine the human-readable recipient of any payment.
Email addresses and phone numbers never appear on-chain. Only HMAC-derived DiscoveryIDs are stored, which are computationally irreversible.
Without the HMAC secret, observers cannot link a DiscoveryID to a real-world identity. Payment history is visible but attribution-resistant.
HFI-Pay transforms blockchain payments from a technical operation into a human-friendly experience. The same UX patterns that made email ubiquitous — type an address, hit send — now work for value transfer.
Split a dinner bill, pay back a friend, send a gift. Just type their email and the amount. No QR codes, no address books, no friction.
Customers pay to a merchant's email address. No payment processor integration needed. Settlement is instant and on-chain.
Pay employees by email address. No need to collect wallet addresses. Employees receive funds and can set up their wallet when convenient.
Distribute tokens to an email list. Recipients do not need wallets to be eligible. They claim when ready, creating their wallet in the process.
Send money across borders using a phone number. Sub-cent fees and instant settlement make micro-remittances economically viable for the first time.
AI agents can send and receive payments using identifiers. Combined with ACE Chain's sub-cent fees, this enables autonomous economic agents at scale.