Cryptography

Securing Intent. Powering Interoperability.

FacilPay is built on a cryptographically secure, EVM-compatible foundation designed to deliver privacy, interoperability, and scalability across the Web3 financial stack. Our infrastructure combines enterprise-grade security with an intuitive user experience—bridging blockchain with real-world usability.

Why BASE

FacilPay is deployed on BASE, an Ethereum Layer 2 network developed by Coinbase. BASE provides the perfect convergence of scalability, cost-efficiency, and regulatory alignment:

• EVM Compatibility: Supports Solidity and Ethereum tooling for seamless deployment of smart contracts and interaction with existing Web3 infrastructure.

• Optimistic Rollup Technology: BASE utilizes the OP Stack, enabling fast, low-cost transactions without sacrificing Ethereum-level security.

• Regulatory Alignment: Built in partnership with Coinbase, BASE operates with institutional credibility and compliance considerations at its core.

• Gasless Architecture: BASE supports sponsored transactions, allowing FacilPay to enable frictionless user experiences—such as fee-less onboarding and seamless airdrops.

Why EVM

FacilPay’s choice to build on Ethereum Virtual Machine (EVM) standards ensures:

• Cross-Chain Interoperability: By adhering to the EVM standard, FacilPay supports future-proof bridging across ecosystems including Ethereum, Avalanche, BNB Chain, and non-EVMs like Solana and XRP through adapters.

• Smart Contract Portability: Solidity-based contracts offer reusable, modular logic that accelerates innovation and deployment.

• Ecosystem Support: Access to a mature developer community, tooling stack, audit services, and infrastructure providers.

Cryptographic Foundations

FacilPay leverages core cryptographic components to secure user assets, messages, and interactions:

• Public Key Cryptography: Ensures message authentication and transaction integrity. Each user manages their own private keys in a non-custodial manner.

• Hash Functions (e.g., SHA-256): Used to verify data integrity and validate smart contract executions.

• Zero-Knowledge Proofs (ZKPs): Future-ready privacy enhancements enabling transaction validation without revealing sensitive data.

• End-to-End Encryption (E2EE): All chat messages, media, and file transfers are encrypted in transit and at rest, ensuring total privacy.

Message-Centric, Intent-Centric Architecture

FacilPay redefines the user experience by embedding financial actions within a real-time communication layer. Users express intent through natural language or simple taps, and the system executes complex blockchain tasks in the background:

• Example: "Send $50 in USDC to Carlos" is interpreted and completed within the chat UI—no wallet switching or manual approvals required.

• Intent Engine: AI models map user language to transaction logic, guiding execution securely and efficiently.

API-Driven Interoperability

FacilPay connects to industry-leading providers through modular, secure APIs:

• Coinbase, Transak, Stripe, MoneyGram: For global on/off-ramp coverage.

• Chain Aggregators: To identify optimal swap and bridge routes.

• Compliance APIs: To support jurisdictional KYC, AML, and audit requirements.

All integrations are sandboxed to preserve FacilPay’s non-custodial operating model. No user keys, credentials, or assets are ever held or stored by FacilPay.

Legal & Regulatory Framework

FacilPay is designed to operate in full alignment with global compliance standards:

• Non-Custodial Wallet Structure: Users retain full control of their assets.

• No Money Transmitting: All fiat functions are processed by licensed third-party partners.

• Tiered KYC: Applied only to users accessing fiat ramps or high-volume functionality.

• Secure Logging: Audit trails and verifiable records are maintained without compromising user privacy.

FacilPay does not serve as a financial intermediary. It acts as a secure coordination layer for user-directed actions.

Conclusion

FacilPay’s infrastructure represents the convergence of technical excellence and user-first design. By building on BASE and adopting EVM standards, we deliver a secure, scalable, and interoperable foundation for the future of decentralized finance. Through encryption, intent recognition, and seamless API integration, we offer an experience where the complexity of blockchain disappears—and the power of ownership begins.