Prize tracks
Pear Pay is built to win across multiple ETHGlobal NYC 2026 sponsor tracks. Switch tabs to see the bounty asks, what we built, the code evidence, and why we should win.
Pear Pay — Finalist Submission
Turn Conversations Into Transactions — the universal payment layer for messaging, social apps, and AI agents.
Pear Pay turns natural language into secure, private, chain-abstracted USDC payments — anywhere you communicate. One deposit, no addresses, no chain selection, no gas. It integrates four sponsors at production depth (Arc, Dynamic, Unlink, Twilio) behind a single message.
✅ What we built
Natural-Language Payments
An NLP core turns “Send Molly $20” into an executable payment — recipient, rail, amount, privacy — with zero crypto jargon.
3 Live Chat Playgrounds
Fully interactive, screen-recordable iMessage, Telegram, and Discord simulators with on-screen keyboards and in-app confirmation flows.
Claimable Payments + Escrow
Pay anyone — even with no wallet. Funds escrow in USDC and release on claim, solving the crypto cold-start problem.
Pay Any Wallet
Send straight to a 0x address, phone, email, or @handle — Pear Pay resolves the recipient and settles in USDC.
Private by Default
Optional shielded transfers hide balances, amounts, and counterparties via Unlink — privacy as a feature, not a premium.
Agentic Economy
AI agents pay APIs and each other autonomously via Dynamic server wallets and x402 — machine-to-machine commerce settled in USDC.
📝 Code evidence
📁 src/core/payments/orchestrator.ts
The single brain: parses intent, resolves the recipient, picks a rail, settles, and notifies.
processMessage(message, sender, { channel })📁 src/core/nlp/parser.ts
Natural-language → structured intent (amount, recipient, privacy, split).
parseIntent("Send Molly $20")📁 src/core/escrow/service.ts
Smart escrow for claimable payments: escrow on send, release on claim, refund on expiry.
escrow() · claim() · refundExpired()📁 app/components/{IMessage,Telegram,Discord}Simulator.tsx
Three interactive in-chat payment playgrounds sharing one tested foundation.
<ChannelPlayground />📁 contracts/PearPayEscrow.sol
On-chain conditional escrow with time-based refunds, deployed to EVM rails.
function claim(bytes32 id) / refund()🏆 Why we should win
Deep multi-sponsor integration: Arc, Dynamic, Unlink, and Twilio wired at production depth — not logo-dropping.
Consumer-grade UX: Three live chat playgrounds with native keyboards and in-app confirmation — no 0x addresses, no jargon.
Solves the cold-start problem: Claimable payments + Twilio reach recipients who have no wallet yet. The payment never blocks on onboarding.
Production engineering: Typed TypeScript core, 40 passing unit tests, an orchestrator + serializer, and a deployed escrow contract.
Built for the agentic economy: Human → agent → agent commerce via x402 and Dynamic server wallets, settled in USDC.