roadmap · live building

Roadmap.

One @handle, any chain in, Tempo out. Name layer for money. Built from surveying merchants in Nigeria.

Q4 2026 — LIVE ✅

Now — 13 chains merchants actually use

Tips & P2P: Pay @handle, settles pathUSD on Tempo 4217 in ~1s
Merchant checkout: Unique QR per handle, any chain → pathUSD
13 curated chains (surveyed merchants in Nigeria): Base, BSC, Solana, TON (GRAM), Celo, Arbitrum, Optimism, Polygon, Avalanche, Ethereum, Robinhood (USDG), Plasma (USDT0), X Layer
Correct tokens: TON=GRAM EQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAM9c not USDT, Robinhood=USDG 0x5fc5..., Plasma=USDT0 0xb8ce...
One wallet per user: Wink Wallet synced across devices
Batch payroll: CSV @handle amount memo
0% platform fee, ~$0.008 network fee

Q4 2026 - Q1 2027 — NEXT 🚧

Building now

Private Zones (Level 2 stealth): Private payments, stealth addresses, view keys
Premium handles: @nike, @starbucks auction
Enterprise dashboard: Analytics, recurring payroll, API keys
TON Connect QR fix: ton://transfer QR that Tonkeeper CAN scan (shipped)
Memo fix: Bridge payments show user note not —
Invoice QRs with reconciliation

Q1 2027 — AGENT VAULTS 🔜

Vault that works while you sell

Not building yet — on roadmap for Q1 2027. Idea: Instead of just holding funds, vault autonomously executes tasks based on logic or market conditions.

Agent Vault v1 — Deterministic (auditable)

Vault = ERC4626, holds pathUSD + native (TON, ETH, SOL)
Agent = separate contract with allowlist: only swap(→pathUSD) + deposit(→OUSD)
Keeper = Chainlink Automation / Gelato
Auto-convert: "Convert TON to pathUSD when TON > $3.30" (Chainlink price feed)
Auto-sweep: "Sweep balance over $20 to OUSD (5.2% APY)"
Thresholds: Only sweep if >$5 to avoid $0.008 gas eating dust
Logs: Every action is tx with memo agent:convert on Tempo explorer

Agent Vault v2 — Hybrid AI

Off-chain brain (Python) watches tips + market, suggests thresholds
"You usually convert when TON > $3.30, want me to set that?"
Learns merchant habits, batch sweeps 10 stalls to save gas
Still non-custodial: brain signs intent, vault verifies + allowlist

Why Tempo makes it viable:

Ethereum: Sweep $5 costs $2 gas (40% loss) — no one does it
Tempo: $0.008 gas = 0.16% — can sweep hourly

Why we wait:

Need Private Zones live first (privacy before autonomy), need audit for allowlist, need merchant education

Pitch: "Mama Nkechi doesn't trade, her vault does — tips earn while she sells"

Live: winkpay.xyz · X: @WinkPay_