AbaPay MCP Server

⚡ AbaPay Protocol

AbaPay is a decentralized, Web3-native utility payment platform built on Base (the default chain) and Celo. It lets users pay for real-world bills — Airtime, Mobile Data, Electricity, Cable TV, Bank Transfers, Education PINs, and International Airtime/Data — using on-chain stablecoins (USDT, USDC, USAT), with instant fiat settlement handled server-side via the VTpass API. Payments can be made directly in the web app, or hands-free through a conversational, autonomous AI agent ("DeAI") on Telegram, WhatsApp, and X — a real on-chain identity under ERC-8004, discoverable on 8004scan.io — that can pay bills unattended, run recurring/scheduled autopay, and settle multi-recipient batch payments, all spending from a bounded, user-revocable on-chain allowance — no custody, no server-side keys.

Designed for low fees, cross-border utility vending (Nigeria + every country VTpass's live international catalogue returns), and mobile-first accessibility — MiniPay, Valora, Farcaster Mini Apps, Coinbase Smart Wallet / Base Account, MetaMask, and any other WalletConnect-compatible wallet (see Supported Wallets & Environments).

Operator: Masonode Technologies Limited (RC 9524980), Nigeria.

---

🌟 Key Features

• Multi-Chain Payments: Pay bills directly with USDT, USDC, or USAT on Base (Mainnet/Sepolia) or Celo (Mainnet/Alfajores). Base is the default chain; Celo remains fully supported and switchable. The app auto-detects the connected chain and filters/reorders available stablecoins accordingly — USDC leads on Base, USD₮ leads on Celo, and USAT is Celo-mainnet-exclusive.
• Live VTpass Catalogue — nothing about a provider is hardcoded any more: every provider name, logo, and amount limit for airtime, data, electricity, cable and education is fetched live from VTpass (src/lib/vtpassCatalog.ts, served to the browser by /api/providers) rather than from four separate hardcoded lists. The app, chat, MCP and the admin dashboard all read the same in-process cache, so there is exactly one source of truth. See Live provider catalogue below.
• Per-Provider Amount Limits, Enforced Live: the ceiling is VTpass's real published minimium_amount/maximum_amount per provider, not one flat number per service — airtime alone ranges MTN ₦200,000 / Glo ₦100,000 / Airtel ₦50,000 / 9mobile ₦50,000, and electricity minimums range ₦100 (Ikeja, Aba) to ₦2,000 (Ibadan). A flat cap either wrongly refused a valid MTN top-up or wrongly accepted an Airtel one that VTpass rejects after the user has already paid on-chain.
• International Bill Pay: Users can select a country and pay for foreign airtime/data in that country's own currency and rate — transaction history and receipts reflect the local currency, not just Naira. The country list is fetched live from VTpass (/get-international-airtime-countries) on every channel, so the app, chat and MCP can never disagree about which countries are covered.
• Instant Vending: Automated API integration with VTpass for instant token generation, airtime top-ups, and data bundle delivery.
• Education PINs in every channel: WAEC result-checker and WAEC registration PINs are buyable from the app, from chat (Telegram/WhatsApp/X/in-app), and over MCP — not app-only. ⚠️ JAMB is a deliberate honesty caveat: the code path exists end-to-end (intent parsing, profile-ID verification, variation_code handling), but jamb is not enabled on the current VTpass merchant account — VTpass answers {"code":"011","content":{"errors":"Service is Not Valid"}} — so it does not appear in the live catalogue and cannot currently be sold. If the account is enabled for it, it appears automatically with no code change.
• Smart Merchant Verification: Validates electricity meters, smartcard/IUC numbers, and account details before accepting crypto payments, eliminating user errors and failed vends.
• AbaPoints Loyalty System: Users earn points pegged 1:1 to stablecoin value spent, trackable via the in-app points badge and a dedicated API endpoint.
• Automatic Refund Safety Net: Failed vends after confirmed on-chain payment are automatically flagged, verified, and refunded on-chain to the user's wallet.
• DND-Fallback SMS: Automated SMS delivery of electricity tokens/PINs, bypassing the Nigerian Do-Not-Disturb (DND) registry for critical transaction alerts.
• Multi-Channel Support & Notifications: Built-in support ticketing, plus webhook integrations for Telegram, WhatsApp, and X (Twitter) so users and admins can transact/get notified from their preferred channel.
• Conversational AI Agent ("DeAI"): A natural-language assistant (/api/deai) that lets users check balances and pay bills via chat-style commands, backed by Claude (Anthropic). Reachable via Telegram, WhatsApp, X, and an in-app chat widget (src/components/AIChat.tsx) on the storefront itself. Understands intent, not just menu numbers — replying "Celo" or "usdt" works exactly like replying "1" or "2" — and shows the live balance and approved agent limit for every token at the moment you're asked to pick one, so you're never choosing blind. If a session goes cold (network drop, abandoned mid-flow) it's recognised and cleaned up automatically rather than left dangling; and if a network hiccup happens right after you enter your PIN, the payment is never silently lost or double-spent — it's tracked through to a confirmed on-chain outcome before the agent reports back.
• Agent-Initiated Payments (AbaPayV3): Users can grant the DeAI agent a bounded, on-chain, revocable spending allowance (setSpendingAllowance) — chosen independently per chain and per stablecoin from the Agent Hub tab — so it can pay bills on their behalf from Telegram/WhatsApp/X with no wallet signature needed at payment time and no custody of user funds. If no allowance is approved for the chain/token a chat payment needs, the agent detects that up front and offers a straight choice: approve it now, or complete this one payment via a signed deep link instead. See AbaPayV3 — agent allowances below.
• Autonomous Scheduling & Autopay Agent: Beyond one-off chat payments, users can ask the DeAI agent to set up recurring bills (monthly/weekly/daily), a one-time future payment ("pay this in 10 minutes"), or a single request covering multiple recipients/accounts at once — the agent groups them by chain/token and settles each leg through the same allowance-bounded relayer, unattended, on schedule, with zero further interaction required from the user.
• On-Chain Attribution: Celo transactions carry an ERC-8021 attribution tag (src/lib/attribution.ts) crediting the Celo Builders program; a no-op on Base.
• On-Chain Agent Identity (ERC-8004): AbaPay's DeAI agent is registered as a real on-chain identity on both Celo and Base via the ERC-8004 "Trustless Agents" registry, so it's discoverable on 8004scan.io / AgentScan — independent of, and unrelated to, how it moves money. See ERC-8004 agent identity below.
• MCP Server (AI Agent Payments): AbaPay is reachable by any MCP-speaking AI client (Claude, or any other agent that supports the Model Context Protocol) as a real tool server — describe_capabilities, check_balance, list_plans, pay_bill, multi-recipient pay_bill_batch, and recurring/one-off schedule_bill/list_schedules/cancel_schedule — over Streamable HTTP JSON-RPC at /api/mcp. This is a fourth channel alongside Telegram/WhatsApp/X, not a new trust boundary: it runs through the exact same allowance-bounded, kill-switch-gated, discount-aware execution pipeline as the chat channels, on either Celo or Base depending on what the linking wallet approved. See MCP Server below.
• MCP OAuth 2.1 (authorize once, not once per conversation): the connector supports a full OAuth 2.1 authorization-code + PKCE (S256) flow with Dynamic Client Registration (/api/oauth/register, /api/oauth/authorize, /api/oauth/token, discovery under /.well-known/). A user authorizes once in a browser — proving their API key and PIN on AbaPay's own hand-rendered consent page — and every future conversation reconnects with a Bearer token instead of retyping an API key. OAuth never authorizes a spend: the PIN is still required on every single pay_bill call, and a Bearer token alone can only read a balance. The api_key tool argument remains the fallback for clients that can't do OAuth.
• list_plans — real VTpass plan codes and prices, never guessed: variation_code used to be something an agent had to invent for DATA/CABLE/EDUCATION. list_plans returns the currently purchasable plans with their exact codes and live VTpass prices, and both the tool description and the server instructions tell the client to call it before pay_bill rather than guessing.
• x402 Settlement (main app, both chains): Payments made directly in the web app settle via the x402 HTTP-payment protocol — Celo's own facilitator for USDC/USD₮/USAT on Celo, the Coinbase CDP facilitator for USDC on Base — so they're genuinely indexed on x402scan, not relabeled contract calls. Anything without EIP-3009 uses the on-chain payBill flow, including Base's sponsored-gas path. ⚠️ x402 needs an EIP-3009 transferWithAuthorization signature, which is structurally what a drainer asks for, so some wallet scanners flag it as risky — a known, deliberate trade for x402scan visibility; NEXT_PUBLIC_X402_ENABLED=false opts out. The signature-free agent-initiated flow is untouched either way. See x402 settlement below.
• Dynamic Exchange Engine: Live market rate conversions with admin-configurable exchange rate and automated profit spread calculation, verified server-side to prevent underpayment exploits.
• Executive Admin Dashboard: Real-time monitoring of VTpass fiat balance, on-chain vault balances per token/chain, transaction analytics, manual refund tools, and CSV export — protected behind admin auth.
• Kill Switches That Actually Stop Every Channel: the dashboard's "pause a service" toggles are a two-level model — a per-service master (MASTER_AIRTIME, MASTER_INTERNET, MASTER_ELECTRICITY, MASTER_CABLE, MASTER_EDUCATION, MASTER_INTERNATIONAL) plus a per-provider switch keyed by VTpass serviceID (AIRTIME_mtn, INTERNET_airtel-data, ELEC_ikeja-electric, CABLE_dstv, EDU_waec). A payment is refused when either level is off. src/lib/serviceRules.ts's killSwitchKeysFor() maps an agent intent (+ provider, normalised through resolveServiceId so ELEC_ikeja can't miss ELEC_ikeja-electric) onto exactly those keys, so chat, MCP and the autonomous scheduler now honour the same switches the web app does. See Kill switches below.
• Sponsored Gas on Base: Coinbase Smart Wallet / Base Account users can pay with zero gas fees — the app detects paymaster support via EIP-5792 and batches approval + payment into a single sponsored transaction. Wallets without this capability (MetaMask, WalletConnect, Valora, etc.) transparently fall back to the normal self-paid flow.
• Shareable & Downloadable Receipts: Every receipt can be shared as an image straight to WhatsApp/Telegram/etc. via the device's native share sheet, or saved directly as a PNG or PDF.
• Farcaster Mini App Ready: Ships with Farcaster frame metadata so AbaPay can be launched directly inside Farcaster clients.

---

🛠️ Tech Stack

• Frontend: Next.js 16 (App Router, React 19), Tailwind CSS 4, Lucide Icons, next-themes (dark mode)
• Web3 / Wallets: Wagmi, Viem (incl. EIP-5792 sendCalls for sponsored transactions), WalletConnect Modal, Base Account SDK, Solidity smart contract (Hardhat)
• Backend: Next.js Route Handlers (serverless functions)
• Receipts: html2canvas (image capture), jsPDF (PDF export)
• AI: Claude (Anthropic API) for the DeAI conversational agent and in-app chat widget
• Agent Identity & Payments: ERC-8004 (on-chain agent identity, Celo + Base) and x402 (signed in-house with the connected wallet — src/lib/x402Pay.ts) for HTTP-native, facilitator-settled payments in the main app
• Agent Tool Access: MCP (Model Context Protocol) — Streamable HTTP/JSON-RPC server at /api/mcp exposing balance-check and bill-pay tools to any MCP client — and A2A (Agent2Agent) at /api/a2a, card at /.well-known/agent-card.json, exposing the same tools to peer agents
• Utility Provider: VTpass API (bills, airtime, data, education, international airtime)
• Bank Transfer Provider: Monnify API (Moniepoint Inc.) — account auto-detect, Name Enquiry verification, and the real NUBAN payout, debited from a Moniepoint Microfinance Bank business account
• Database / Ledger: Supabase (PostgreSQL) — transactions, platform settings, points, refunds
• Email: Resend (transactional receipt emails)
• Notifications & Bots: Telegram Bot API, WhatsApp Cloud API, X (Twitter) API, VTpass Messaging API (SMS)

---

👛 Supported Wallets & Environments

AbaPay runs in three distinct runtime environments, detected at load in src/app/page.tsx (environment = MINIPAY | FARCASTER | WEB, with LOADING as the pre-detection state and a 2-second timeout that falls back to WEB). Wallet connectivity for the WEB case comes from src/config/wagmi.ts, which registers exactly three connectors: injected(), baseAccount(), and walletConnect().

How the Connect button chooses

An injected wallet is always preferred: it touches no third-party host, which is why it keeps working on networks that filter the WalletConnect relay. WalletConnect is the fallback for a browser that has no wallet in it — a plain desktop browser, or a phone browser pairing with a wallet app.

Which wallets exist is established by asking, never by reading window.ethereum: probeInjectedConnectors() (src/lib/walletEnv.ts) takes wagmi's discovered connectors, gets each one's own provider, and sends it a timed-out eth_accounts — a call that never prompts, so it is safe on every page load. Each wallet comes back authorized (already approved this site), available (real, not yet approved) or none (absent, or a stub that never answered).

• Any wallet authorized → nothing happens on its own. authorized decides which wallets the chooser can offer without a permission popup, not whether to connect. See "Auto-connect is an allowlist" below.
• The chooser lists every usable injected wallet plus Base Account plus WalletConnect, each with its own EIP-6963 logo and a status badge (Recent for a wallet that already approved this site, Installed otherwise). Cancelling ends the attempt rather than falling through to a QR code. One extension that is both EIP-6963-announced and parked on window.ethereum is de-duplicated, so it can't appear twice.
• Base Account was configured but never offered. The connector has been in src/config/wagmi.ts all along, yet probeInjectedConnectors() only returns connectors of type injected and Base Account is its own type — so nothing ever put it in front of a user. It matters most on Base, the default chain, where it is the smart-account experience carrying sponsored gas; verifySignatureAcrossChains already validates the ERC-1271 signatures it produces, so nothing else had to change to accept it.
• Because those two are always present, the chooser always appears — a browser with no extension still gets a real choice between signing in with Base Account and pairing a phone wallet, rather than being dropped straight onto a QR code.

🔴 WalletConnect is always an option, never only a fallback. The chooser used to require two or more injected wallets before it appeared, so the very common "one extension installed" browser connected to that extension silently and was never offered WalletConnect at all — there was no route to pairing a phone wallet short of uninstalling the extension. The option list is now built first and the chooser decided from its length, which is what turns the single-wallet case into a real choice.

🔴 Why not window.ethereum: under EIP-6963 a wallet announces itself over an event rather than claiming that global — which is how several extensions coexist without fighting over one slot. So a browser with a perfectly good wallet can have window.ethereum undefined, or pointing at a different wallet than the user means. Probing only the global reported "no wallet", skipped the injected path entirely, and showed a QR code for a wallet sitting in the same browser.

Prompts also say where to approve. Over WalletConnect the request lands in a separate app that nothing brings to the foreground, so the copy says to open it (walletApprovalPrompt).

Valora is WalletConnect-only

🔴 The "first prompt works, the second never comes" hang. Inside Valora's in-app browser the page can see something that answers eth_accounts — real enough for the probe above to report a wallet, real enough for auto-connect to fire, real enough for the entire UI to look connected. Not real enough to pay with. The first request raises a prompt; the user taps Allow; Valora toasts "Connection to AbaPay was successful!" — it has taken a payment authorization for a connection handshake, consumed it, and returned nothing to the page. Nothing rejected, so there is nothing to catch. The spinner runs forever.

Valora's supported rail is WalletConnect, and over WalletConnect it behaves normally: a real session request with a real response. So the injected path is skipped inside Valora — isValoraBrowser() suppresses auto-connect and empties the Connect button's injected candidate list, dropping the click through to WalletConnect.

🔴 But the page's own globals are not enough to spot Valora. isValoraBrowser() looks for an isValora flag or the name in the user agent, and in Valora's in-app browser neither is present: it injects no provider and its webview reports a stock Android Chrome user agent. The only thing that names the wallet is the session — WalletConnect exchanges peer metadata on connect, and session.peer.metadata.name is the wallet's own name for itself.

So connectedWalletIsValora() reads that instead, and a restored Valora session is dropped on mount so the user pairs fresh. That is deliberately narrow, because the friction only buys something in one place:

• Valora only — every other wallet keeps its restored session.
• Restored sessions only — a connection the user just asked for is never yanked away (userInitiatedConnect).
• Once per mount, so it can't fight a connect that's mid-flight.

The trade-off is that peer metadata only exists after connecting, so this shapes what happens next rather than pre-empting the connection. Both detectors are word-bounded — a false positive would drop a working session (or strip a real in-browser wallet off the rail it should use), which is the more expensive mistake. Covered in tests/walletEnv.test.ts.

Cancelling in a wallet is not always an answer

Every cancellation path assumes the wallet reports the rejection — EIP-1193 says it should, and injected wallets do. Valora over WalletConnect does not: dismissing its sheet sends nothing back over the relay, so there is no rejection to catch, no error and no event. The request stays open and the page waits on a decision that was already made — "I cancelled the pop up and it kept loading for life".

withWalletTimeout does fire, but 90s of frozen spinner after you've tapped cancel reads as broken — and that budget has to stay 90s, because it is also how long someone gets to read a prompt before approving. So after 15s of processing the status banner grows a STOP WAITING control. It cannot abort the in-flight request (nothing on this side can) and deliberately does not claim the payment was cancelled: if the user approves a moment later it still settles, and saying otherwise is how someone pays twice.

Auto-connect is an allowlist: MiniPay, Base App, Farcaster — and nothing else

On the web, the Connect button is the only way in. No wallet is connected until the user asks for it, even one whose extension approved this site months ago.

🔴 The auto-connect nobody could find was in WagmiProvider itself. wagmi persists the connector and, with the default reconnectOnMount, silently re-establishes it on every page load — inside the provider, before any effect in page.tsx runs and regardless of what those effects decide. So the app came up connected on its own no matter how carefully the rules downstream were written, and every attempt to fix it by editing those rules was editing the wrong thing. Providers.tsx now passes reconnectOnMount={false}.

The rule downstream was also the wrong shape: it auto-connected any authorized wallet and carved out Valora by name. That made silent connect the default and removed wallets only after someone complained, which is how "it connects by itself and there's no Connect button" kept coming back wearing a different wallet's name. It is an allowlist now (AUTO_CONNECT_SURFACES).

Those three are different in kind, not degree: the app is running inside the wallet, so there is exactly one account it could mean, the user chose it by opening AbaPay there, and no chooser is being suppressed because there is nothing to choose between. MiniPay and Farcaster are connected by their own SDKs and never touch wagmi; Base App arrives through wagmi and is matched by looksLikeBaseApp() — which deliberately refuses the Coinbase desktop extension, since that sets the same isCoinbaseWallet flag while being an ordinary injected wallet on an ordinary page.

⚠️ The trade: a refresh ends a web session and the user presses Connect again. Being asked is the point, but it is a real cost on a page people reload.

A connection the page did not establish is not a connection

reconnectOnMount={false} stops wagmi re-establishing the connector. It does not stop it rehydrating: the config persists to cookieStorage with ssr: true, so on load wagmi restores connections/current from the cookie and useAccount() reports isConnected with an address — while no provider has been set up and no relay socket exists.

🔴 That is one bug wearing two faces, and both were reported: "Valora still auto connects", and then "your wallet connection has dropped — tap Connect" when paying a wallet that looks perfectly connected. Nothing had dropped. There was never a live session, only a cookie describing one. A connection this page did not itself establish is now dropped on mount (userInitiatedConnect is what separates the two). Base App is unaffected — its silent connect calls connect() explicitly.

Proving the wallet is yours, once per session

🔴 A filter written by the client is not a permission. History used to be read straight from the browser with the anon key, scoped only by .ilike('wallet_address', address). Swap the address and PostgREST returns someone else's rows — phone numbers, meter numbers, amounts. A provider that merely claimed an address it did not hold was enough, because a wallet address is public information.

After connecting, the wallet signs a plainly-worded ownership message (src/lib/walletSession.ts — shared by browser and server, because two copies of that string means one stray character failing every signature as "invalid signature"). GET /api/history derives the address from that signature and queries with the service-role client, so no parameter remains that could point at another person's records.

• verifySignatureAcrossChains already covers EOAs and ERC-1271/6492 smart accounts, so Base Account and Safe are not locked out by the signature being a shape we could not check.
• A rejection disconnects — the user declined to prove the address is theirs.
• Any other failure leaves them connected but unproven: they can still pay, because paying is authorised by the payment signature itself, and only history is withheld. Locking someone out of paying for owning an unusual wallet would be worse than the bug being closed.
• Read-only, and for a session rather than five minutes, because a wallet popup on every History refresh trains people to sign whatever they are shown. It is a bearer credential for that window; mutations keep their own fresh, per-action signatures (verifyWalletOwnership).

A restored WalletConnect session is not a live one

🔴 The "auto-connects, then hangs forever" failure. wagmi persists the WalletConnect session (cookieStorage) and restores it on load — that is the "it auto-connects after a while" users describe. Restoring produces an address, and an address is all the UI needs to look connected: balances render (they come from a public RPC and never touch the wallet), the pay button enables, everything reads as normal.

But a WalletConnect request only reaches the phone if the relay socket is open. Restored over a dead socket, eth_sendTransaction is written to a closed pipe: no prompt appears in the wallet, nothing comes back, and there is no error to catch, because nothing rejected — the request simply went nowhere. From the page it is indistinguishable from a user who hasn't looked at their wallet yet, which is why it presented as an eternal spinner.

walletConnectSessionLive() (src/lib/walletEnv.ts) checks the relay before any wallet interaction; a dead session is reported in one sentence and disconnected so Connect pairs fresh instead of restoring the same corpse. A missing socket internal is treated as live — a false negative would disconnect working wallets on every payment. Injected wallets return null: they are in-process and have no socket to lose.

Every wallet call also has a timeout now, including the chain-switch handshake and the Base sendTransaction, which had none. On a wallet app, a timeout is reported as "your wallet never received the request" with a reconnect, since that is what it almost always means.

walletApprovedChainIds() is a related guard: a WalletConnect wallet silently drops requests for a chain outside its approved session, so if the connected wallet never approved the active chain the app follows it to one it did.

The default chain is Base

DEFAULT_CHAIN in src/constants/index.ts is BASE, and everything forward-looking reads from it: the chain a freshly connected wallet lands on, the token picker's seed before a wallet is connected, and the chain an agent link approves when the caller doesn't name one. Celo is fully supported and switchable — nothing was dropped, it just isn't where you start.

Chains registered in wagmi.ts, in order: Base, Base Sepolia, Celo, Celo Alfajores. wagmi treats chains[0] as the default and offers the rest as optional WalletConnect namespaces, so a Celo-only wallet still connects fine (see the Valora row above). Note the app's own non-wagmi paths (src/lib/chain.ts, page.tsx) use viem's celoSepolia as the Celo testnet, while wagmi.ts still lists celoAlfajores; mainnet is unaffected, but they should be reconciled if testnet WalletConnect flows are exercised.

LEGACY_RECORD_CHAIN is the deliberate counterpart, and it stays CELO. It is how a stored row with an empty blockchain column is read — such rows predate the column being written and were all on Celo. It must not follow DEFAULT_CHAIN: reading an old Celo payment as Base would send the webhook hunting for a receipt on the wrong chain and strand a real payment as unvended.

Stablecoins: USD₮ and USDC on both chains, plus USAT on Celo mainnet only. Which token a chain leads with, and in what order the rest follow, is TOKEN_ORDER_BY_CHAIN in src/constants/index.ts — Base: USDC then USD₮; Celo: USD₮, USDC, USAT. One tokensForChain() serves the Pay tab, the Agent Hub, the chat agent and the MCP tools, which each used to filter SUPPORTED_TOKENS themselves and could therefore disagree.

---

📁 Project Structure

src/
├── app/
│   ├── page.tsx              # Main storefront (pay flow, wallet connect, history, env detection)
│   ├── admin/page.tsx         # Admin ops dashboard (incl. the kill-switch toggles)
│   ├── docs/page.tsx          # Docs & FAQ page
│   ├── terms/, privacy/       # Legal pages (standalone routes; the in-app modals live in components/Modals.tsx)
│   ├── .well-known/           # OAuth discovery metadata, incl. the RFC path-insertion variants
│   │   ├── oauth-authorization-server/{route.ts, api/mcp/route.ts}
│   │   └── oauth-protected-resource/{route.ts, api/mcp/route.ts}
│   └── api/
│       ├── pay/                # Core payment + vending endpoint (pay/x402/ is the x402 rail)
│       ├── paymaster/           # Server-side proxy for Base gas-sponsorship (keeps the CDP paymaster key off the client)
│       ├── providers/           # Live VTpass provider catalogue for the browser's pickers
│       ├── requery/             # Delayed/timeout transaction requery
│       ├── rate/, admin/rate/   # Exchange rate endpoints
│       ├── variations/          # VTpass service variation lookups
│       ├── intl/, foreign/      # International bill pay (countries/products/operators/rates)
│       ├── verify/              # Meter/account/customer verification
│       ├── admin/                # Admin data, actions, refunds, health
│       ├── discounts/            # Discount campaign lookup
│       ├── schedules/            # Recurring + one-off scheduled bill execution
│       ├── user/points/          # AbaPoints balance
│       ├── agent/                # Agent link/allowance management (Agent Hub)
│       ├── deai/                 # Conversational AI agent
│       ├── mcp/                  # MCP server (describe_capabilities, check_balance, list_plans, pay_bill, pay_bill_batch, schedule_bill, list_schedules, cancel_schedule)
│       ├── oauth/{register,authorize,token}/  # OAuth 2.1 (DCR, consent page, token endpoint) for MCP
│       ├── cleanup/              # Stale pre-flight intent sweeper
│       ├── webhook/, webhook/vtpass/  # VTpass + on-chain webhooks
│       ├── monnify/              # Moniepoint bank list, account resolve/verify, transfer webhook
│       ├── telegram/webhook/, whatsapp/webhook/, x/webhook/  # Bot channel webhooks
│       └── support/              # Support ticket submission
├── components/                 # Shared UI (AppFooter, Modals — Terms/Privacy/FAQ/Receipt —, tabs, AIChat, AgentHub, Admin panels)
├── config/wagmi.ts             # Wallet/chain configuration (injected, Base Account, WalletConnect)
├── constants/                  # Supported tokens, services, initial country list
├── lib/
│   ├── vtpassCatalog.ts         # ⭐ Live VTpass provider catalogue + per-provider amount limits
│   ├── providerFallback.ts      # Offline seed used only when VTpass is unreachable
│   ├── monnify.ts               # Moniepoint (Monnify) API client — banks, verify, transfer
│   ├── monnifyVend.ts           # Bank transfer vend + finalize (success/failure/refund)
│   ├── serviceRules.ts          # Kill switches, operator agent caps, min/max amounts
│   ├── refunds.ts               # Refund queue (enqueue on vend failure + user notification)
│   ├── vend.ts                  # Shared vend execution for the contract and x402 rails
│   ├── attribution.ts           # Celo Builders on-chain attribution tag (ERC-8021 dataSuffix)
│   ├── parity.ts                # Shared validation so chat/MCP match the web form
│   ├── deai/                    # Intent parsing, capabilities, selection, relayer (payBillFor),
│   │                            #   mcpAuth.ts (API key), mcpOAuth.ts (OAuth token lifecycle)
│   └── ...                      # VTpass, Telegram, WhatsApp, scheduler, discount helpers
└── utils/                      # Supabase client, admin auth, PIN hashing
contracts/
├── AbaPay.sol                   # V1 — original escrow/vault smart contract
├── AbaPayV2.sol                 # V2 — hardened (see below)
└── AbaPayV3.sol                 # V3 — adds agent-initiated payments (⚠️ NOT AUDITED)
scripts/
├── deploy.ts                     # Deploy V1
├── deployV2.ts                   # Deploy V2
└── deployV3.ts                   # Deploy V3 (whitelists tokens, sets relayer + per-tx caps)

---

⚙️ Environment Variables

Create a .env.local file in the project root. Never commit this file to GitHub.

App / Network Config

NEXT_PUBLIC_APP_MODE=sandbox                     # sandbox | production
NEXT_PUBLIC_NETWORK=celo-sepolia                 # celo-sepolia | celo | base | base-sepolia
NEXT_PUBLIC_FIXED_RATE=1550.00                    # Fallback NGN exchange rate
NEXT_PUBLIC_WALLETCONNECT_PROJECT_ID=your_walletconnect_project_id
NEXT_PUBLIC_WC_RELAY_URL=                         # Optional. Override the WalletConnect relay — see "Blocked networks" below

Blocked networks

Connecting an external wallet depends on third-party hosts that some networks filter — chiefly relay.walletconnect.org (the WalletConnect relay) and api.web3modal.org (the wallet chooser). Because the relay is a WebSocket, a block produces silence rather than an error, which reads to the user as "the Connect button is broken".

This is confirmed on at least one carrier — the connect flow works over a VPN and hangs without one — but we have no data on how many networks or regions are affected. No user-facing copy names a carrier or country, deliberately: telling someone their problem is carrier X when they are not on carrier X just makes them distrust the message. /network-check reports what is actually blocked for the user in front of it.

Two things address this:

• /network-check — a page any user can open that probes each dependency from their own connection and names the ones that fail. It is linked from the connect-failure banner and from the FAQ, and doubles as the evidence to quote in a complaint to whichever carrier or regulator turns out to be involved.
• NEXT_PUBLIC_WC_RELAY_URL — point this at a WebSocket reverse proxy on a domain of yours that isn't filtered (e.g. wss://relay.abapays.com forwarding to wss://relay.walletconnect.org) and WalletConnect wallets start working on those networks. Relay traffic is end-to-end encrypted, so the proxy is a pipe, not a man-in-the-middle. Note that Vercel functions cannot proxy long-lived WebSockets — host it on Cloudflare Workers, Fly.io, or a VPS running nginx with proxy_pass and the Upgrade headers.

MiniPay, Base App and Farcaster need none of these hosts — the first two inject a provider straight into the page and Farcaster supplies its own wallet through the Mini App SDK. They stay reliable on a filtered network, and are what the app recommends when a connect fails (RELAY_FREE_SURFACES in src/lib/walletEnv.ts).

Smart Contracts (per chain)

NEXT_PUBLIC_ABAPAY_ADDRESS=0xYourDefaultContractAddress
NEXT_PUBLIC_ABAPAY_CELO_ADDRESS=0xYourCeloContractAddress
NEXT_PUBLIC_ABAPAY_BASE_ADDRESS=0xYourBaseContractAddress
ADMIN_WALLET_ADDRESS=0xYourAdminWalletAddress
CELO_PRIVATE_KEY=your_deployer_private_key         # Used only by Hardhat for deployment — never expose client-side

Paymaster (Base Gas Sponsorship)

PAYMASTER_URL=https://api.developer.coinbase.com/rpc/v1/base/your_cdp_api_key   # Server-only — never NEXT_PUBLIC. The app proxies wallet paymaster requests through /api/paymaster so this key never reaches the browser.

⚠️ Two things this env var alone won't cover, both configured in external dashboards:

• Coinbase Developer Platform: create a Paymaster Policy allowlisting your NEXT_PUBLIC_ABAPAY_BASE_ADDRESS contract (and ideally the specific payBill/approve selectors), with a funded/budgeted balance to sponsor from.
• Alchemy webhook config: make sure the "Token" activity category is enabled on your Base webhook (not just "External"). Under gas sponsorship, the top-level transaction's to is the bundler/EntryPoint contract, not your AbaPay contract directly — only Token-category (ERC-20 Transfer log) monitoring reliably fires regardless of call depth.

VTpass (Bill Payment Provider)

VTPASS_API_KEY=your_api_key
VTPASS_PUBLIC_KEY=PK_your_public_key
VTPASS_SECRET_KEY=SK_your_secret_key
VTPASS_MSG_TOKEN=VT_PK_your_token
VTPASS_MSG_SECRET=VT_SK_your_secret

Monnify (Moniepoint's API — Bank Transfer Provider)

MONNIFY_API_KEY=MK_your_api_key
MONNIFY_SECRET_KEY=your_secret_key
MONNIFY_CONTRACT_CODE=your_contract_code
MONNIFY_SOURCE_ACCOUNT_NUMBER=your_wallet_account_number

See ENV_SETUP.md §9b for where to find these and the MFA/webhook setup steps.

Documentation truncated — see the full README on GitHub.