PAYHUB V3 is an enterprise-grade hybrid payments and liquidity infrastructure built on XRPL (XRP Ledger). The platform enables instant settlement of cross-border transactions while providing automated treasury management and yield optimization capabilities.
Mission: Eliminate D+60 settlement delays and abusive discount rates through D+0 atomic settlement using RLUSD stablecoin.
Scope: Comprehensive infrastructure including frontend applications, backend services, blockchain integration, security systems, enterprise integrations, and CI/CD pipelines.
Merchants across Latin America lose 10-20% of their margin due to:
- High merchant discount rates (MDR)
- Extended settlement periods (D+30 to D+60)
- Currency exchange risks and banking fees
- Operational complexity in cross-border payments
- Instant Settlement: D+0 settlement in 3-5 seconds via XRPL Escrow mechanism
- Liquidity Optimization: Convert receivables into immediate RLUSD liquidity
- Yield Generation: Automated treasury management with 5-8% APY returns
- Risk Mitigation: Blockchain-based escrow with active defense security
Real-time liquidity provisioning through RLUSD stablecoin on XRPL, enabling instant settlement of trade receivables.
Tokenization of real-world assets (RWA) used as DeFi collateral for secure, programmable financing solutions.
Programmatic payment execution using native XRPL EscrowCreate and EscrowFinish transactions with atomic settlement guarantees.
Intelligent allocation of idle RLUSD balances into yield-generating strategies with controlled risk parameters.
Comprehensive API Gateway (HUB) supporting multiple payment rails including PIX, card payments, and blockchain integrations.
- React 18 with TypeScript 5.0 for type-safe development
- Vite build tool for optimized development experience
- Tailwind CSS for utility-first styling
- Component-based architecture with design system integration
- Node.js runtime environment
- Express.js framework for API development
- Supabase for edge functions and real-time capabilities
- Modular architecture with clear separation of concerns
- XRPL Ledger for blockchain operations
- RLUSD as the native stablecoin for settlements
- Automated Market Makers (AMM) for liquidity provisioning
- Smart contract functionality through native XRPL features
- Active Defense System: Honeypot wallets and intrusion detection
- KMS/HSM Integration: Key management with rotation policies
- Audit Trails: Comprehensive logging for regulatory compliance
- Data Minimization: LGPD/GDPR aligned data handling practices
- Frontend: Production-ready with optimized performance metrics
- Backend: Core infrastructure implemented, additional modules in development
- Blockchain: Full XRPL integration with DevNet/TestNet validation
- Security: Enterprise-grade security implementation completed
- Time to First Byte (TTFB): 180ms
- First Contentful Paint (FCP): 1.1s
- Largest Contentful Paint (LCP): 1.4s
- Cumulative Layout Shift (CLS): 0.03
- Response Time: <50ms for API endpoints
- Idempotency: Robust implementation for financial operations
- Throughput: Scalable architecture for enterprise volumes
- Settlement Time: 3-5 seconds finality
- Transaction Cost: Approximately R$ 0.0001 per transaction
- Throughput: 1500+ transactions per second capability
- Node.js 20+
- npm 10+
- Git
- XRPL account (DevNet/TestNet for development)
# Clone the repository
git clone https://github.com/DGuedz/payhub-v3.git
cd payhub-v3
# Install dependencies
npm install
# Start development server
npm run devCreate a .env.local file with the following variables:
XRPL_NETWORK=devnet
XRPL_ISSUER_ADDRESS=your_issuer_address
XRPL_OPERATOR_SEED=your_operator_seed
JWT_SECRET=your_jwt_secret
BASE_URL=http://localhost:3000# Development server
npm run dev
# Production build
npm run build
# Start production server
npm run start
# Run XRPL smoke demo
npm run demo:artifacts
# Lint and format code
npm run lint
npm run format- Liquidity constraints in international trade
- Extended settlement periods impacting cash flow
- High financing costs and currency risks
- Operational complexity in cross-border payments
- Instant settlement infrastructure using XRPL blockchain
- RLUSD stablecoin for frictionless cross-border transactions
- Automated treasury management with yield optimization
- Enterprise-grade security and compliance framework
- Total Value Locked (TVL): Assets secured in escrow contracts
- Monthly Transaction Volume: Settlement volume processed
- Net Promoter Score (NPS): Customer satisfaction metrics
- Adoption Rate: Institutional client acquisition
- D+0 Settlement: Eliminate settlement delays entirely
- Yield Generation: Passive income on idle balances
- Security First: Military-grade security with active defense
- Regulatory Compliance: Full audit trails and compliance ready
- API Gateway: RESTful APIs for enterprise integration
- White-label Frontend: Customizable merchant interfaces
- n8n Workflows: Automated operational processes
- Direct Sales: Enterprise relationship management
- Exporters: Brazilian agribusiness and manufacturing
- Importers: Companies requiring trade financing
- Financial Institutions: Banks and correspondent banking
- Payment Processors: PSPs seeking blockchain integration
- Infrastructure: Cloud hosting and blockchain node operations
- Development: Engineering and product team resources
- Compliance: Regulatory and audit requirements
- Marketing: Customer acquisition and partnership development
- Transaction Fees: Percentage-based settlement fees
- Subscription: API access and premium features
- Yield Spread: Revenue share from yield generation
- Implementation Fees: Custom integration services
- Patent Pending: Honeypot security mechanism
- First-Mover: First XRPL DeFi solution in Brazil
- Strategic Partnerships: XRPL Foundation and ecosystem relationships
- Technical Expertise: Deep blockchain and payments expertise
- Full Documentation Index - Complete project documentation
- Technical Report - Detailed technical analysis
- Executive Summary - Business overview and strategy
- Lean Canvas - Business model documentation
- XRPL Demo Guide - Complete devnet simulation
- DevNet Artifacts - Execution artifacts and transaction records
- XRPL Official Documentation - XRPL ledger documentation
- AMM Overview - Automated Market Maker details
- Issued Currencies - IOU implementation guide
- GitHub: Repository
- Branches: Main branch with feature branching strategy
- CI/CD: GitHub Actions for automated testing and deployment
- Vercel: Frontend deployment platform
- Serverless: Edge functions and API deployment
- Monitoring: Performance and error tracking integration
- Figma: Design System - Complete design assets and components
- Token Sync: Automated design token synchronization
- Component Library: Reusable React components
- Follow TypeScript best practices and type safety
- Implement comprehensive error handling
- Include unit tests for new functionality
- Document code with clear comments
- Follow security best practices for financial applications
- CamelCase naming convention for variables and functions
- ESLint configuration for code quality
- Prettier for consistent code formatting
- Git hooks for pre-commit validation
- Create feature branch from main
- Implement changes with tests
- Update documentation as needed
- Submit PR for review
- Address review comments
- Merge after approval
This project is licensed under the terms of the MIT License. See the LICENSE file for details.
- XRPL.js: Apache 2.0 License
- React: MIT License
- Node.js: MIT License
- Express: MIT License
- GitHub Issues: Create Issue
- Documentation: Refer to comprehensive documentation index
- Community: XRPL developer community resources
- Email: [email protected]
- Website: Coming soon
- Partnerships: Enterprise integration inquiries
- Disclosure: Responsible disclosure policy
- Contact: [email protected]
- Response: 24-hour acknowledgment for critical issues
Disclaimer: This project is in active development. Features and documentation may change as development progresses. Always refer to the latest commit and documentation for current implementation details.