AbabilPay — Product Documentation

01

Executive Summary

AbabilPay is a USDC-native, multichain-abstracted payment infrastructure platform. It is built on Circle's developer APIs for wallet and payment operations, Supabase as the primary backend database and auth layer, and an integrated AI Agent system for intelligent automation. Merchants accept crypto with zero volatility risk. Consumers get a unified wallet that works across every blockchain — invisibly.

Core Value Proposition: AbabilPay is Stripe for the crypto economy — USDC-native, multichain-ready, zero volatility for merchants, and AI-powered for autonomous operations. Everything inside the app is denominated in USDC. Any token deposited auto-converts. Any chain is abstracted away.

Problem Statement

Pain Point	Description
Volatility Risk	Merchants accepting crypto face constant price swings making revenue unpredictable and unsettling.
Chain Fragmentation	Payments arrive on ETH, Polygon, Solana — different chains creating reconciliation and UX nightmares.
Integration Complexity	Adding crypto checkout to Shopify or WooCommerce requires deep blockchain expertise most merchants lack.
No Unified Wallet UX	Users manage separate wallets per chain, juggling seed phrases, gas tokens, and different interfaces.
Manual Operations	Invoice follow-ups, payment retries, FX conversion, and reporting are all done manually today.
Zero Smart Insights	Merchants have no AI-driven analytics for fraud detection, cash flow forecasting, or payment optimization.

How AbabilPay Solves These

⟳

Auto USDC Convert

Any deposited token instantly swaps to USDC. Merchants always receive stable value.

⌁

Chain Abstraction

Circle CCTP bridges USDC natively. Users never think about which chain they're on.

▦

One-Click Plugins

Shopify App Store + WooCommerce plugin. Merchants set up in under 5 minutes.

◉

Dev Controlled Wallets

Circle manages keys. Users never see a seed phrase. UX feels like a bank app.

◈

AI Agent Layer

Autonomous agents handle invoicing, fraud, reminders, and cash flow forecasting.

▤

Full Supabase Backend

PostgreSQL + Auth + Realtime + Storage + pgvector — all in one managed platform.

02

User Types & Roles

User Type	Who They Are	Primary Goals	Key Features
Consumer	Individual end users	Pay merchants, send/receive USDC, manage wallet	Wallet, Bridge, Split, On-Ramp
Merchant	E-commerce stores, freelancers	Accept payments, issue invoices, track revenue	Dashboard, Invoice, Plugins, Off-Ramp
Developer	Shopify/WooCommerce builders	Integrate payments into apps or stores	REST API, SDKs, Webhooks, Sandbox
Enterprise	Large businesses, DAO treasuries	Bulk payments, payroll, multi-sig approvals	Payroll Module, Multi-sig, White-label
AI Agent System	Autonomous system actor	Automate tasks, detect anomalies, trigger actions	Agent Orchestrator, Supabase, Circle API

03

Technology Stack

▲

Next.js 14

Web Frontend (TypeScript)

⬡

React Native

iOS & Android (Expo)

⚡

Fastify + Node.js

Backend REST API

🟩

Supabase

DB · Auth · Realtime · Storage

◎

Circle APIs

Wallets · USDC · CCTP · Ramp

⟳

1inch / 0x API

Token → USDC swap aggregator

◈

Claude API

AI Agent intelligence layer

⌗

pgvector

Supabase — AI agent memory

✉

Resend API

Transactional email

🔔

Firebase FCM

Mobile push notifications

🛍

Shopify App

E-commerce plugin

🔷

WordPress Plugin

WooCommerce integration

Why Supabase? Supabase gives us PostgreSQL (structured tx data), Auth (Google OAuth out of the box), Realtime (live balance updates via WebSocket), Storage (invoice PDFs, KYC docs), Edge Functions (webhook triggers, auto-convert jobs), and pgvector (AI agent long-term memory) — all in one managed platform with Row Level Security baked in.

04

Authentication & Onboarding

Users sign in exclusively with Google OAuth via Supabase Auth. On first login, AbabilPay automatically provisions a Circle Developer Controlled Wallet and creates the user record in Supabase. KYC is only triggered for on/off ramp access.

Google Sign-In

→

Supabase Auth

→

User Record Created

→

Circle Wallet Provisioned

→

Role Selection

→

Dashboard

Step	Action	Storage
1 — Google Sign-In	Supabase Auth handles full OAuth flow	`users.google_id`
2 — Wallet Create	Circle API provisions developer-controlled wallet per chain	`wallets.circle_wallet_id`
3 — Role Setup	User selects Consumer or Merchant; merchant store profile created	`users.role, merchants.*`
4 — KYC (Optional)	Required for on/off ramp; ID document uploaded	Supabase Storage + `users.kyc_status`
5 — Onboarding Done	Redirect to appropriate dashboard based on role	Session stored via Supabase Auth

05

Unified Smart Wallet

Each user has one logical wallet showing a unified USDC balance across all chains. Circle Programmable Wallets manages separate accounts per chain under the hood. Supabase Realtime pushes balance changes to the frontend instantly — no polling.

Feature	Description
Unified Balance View	Aggregated USDC total from ETH, Polygon, Base, Arbitrum, Solana, Avalanche
Per-Chain Breakdown	Expandable panel showing balance breakdown by chain
Dev Controlled Keys	Circle manages private keys — users never see a seed phrase
Realtime Sync	Supabase Realtime subscription fires on every confirmed transaction
Transaction History	Full ledger from `transactions` table — filter by chain, type, date range
QR Receive	Generate QR for any chain address for in-person or remote payments
Address Book	Save frequent recipient wallets stored in Supabase per user
Multi-sig Support	Enterprise accounts can require 2-of-3 approvals before any outgoing transfer

06

Auto-Convert Any Token → USDC on Deposit

Flagship feature. When any non-USDC token is deposited, AbabilPay automatically swaps it to USDC via 1inch or 0x aggregator before crediting the wallet. The merchant and user always see a pure USDC balance. Everything inside the app is USDC.

Deposit Detected

→

Supabase Edge Fn

→

1inch Quote

→

Swap Executed

→

USDC Credited

→

Supabase Logged

→

Realtime UI Push

Mode	Behavior
Always Convert Default	Every non-USDC deposit is instantly swapped. Zero user action needed.
Manual Confirm	User receives notification and approves swap before execution
Threshold Mode	Convert only if token value exceeds a user-defined USD amount
Slippage Protection	Max 0.5% slippage enforced. If exceeded, swap is queued and retried after 60 seconds
Supported Tokens	ETH, MATIC, SOL, BNB, USDT, DAI, WBTC, AVAX, ARB + any ERC-20 with 1inch liquidity

07

Cross-Chain Bridge (Circle CCTP)

Built on Circle's Cross-Chain Transfer Protocol (CCTP). Native USDC burns on the source chain and mints on destination — no wrapped tokens, no bridge exploit risk. The AI Agent auto-selects the optimal route.

Feature	Detail
CCTP Native	Circle burns USDC on source and mints on destination — no wrapped assets or third-party bridges
Supported Routes	ETH ↔ Polygon ↔ Base ↔ Arbitrum ↔ Avalanche ↔ Solana (all pairs bidirectional)
AI Route Selection	AI Agent picks cheapest + fastest route based on real-time gas and liquidity data
Gas Abstraction	AbabilPay sponsors gas; fee deducted from USDC amount (shown to user before confirm)
Status Tracking	Live bridge progress shown in UI via Supabase Realtime updates
Time Estimates	Estimated arrival shown before confirmation (typically 10–30 seconds on CCTP v2)

08

On / Off Ramp

Circle's Payments API powers fiat ↔ USDC conversion. KYC is verified once and stored in Supabase Storage. Limits scale with KYC level.

Direction	Supported Methods	Regions
On-Ramp (Fiat → USDC)	Credit card, debit card, bank wire (ACH / SEPA)	US, EU, UK
Off-Ramp (USDC → Fiat)	Bank transfer to verified account; local currency settlement	US, EU, UK
Limits — KYC Level 1	Up to $1,000 / day	All regions
Limits — KYC Level 2	Up to $50,000 / day	All regions
Fees	1.5% on-ramp · 0.8% off-ramp (shown before confirmation)	—

09

Invoice System

Full-featured invoicing for merchants. Invoices stored in Supabase, PDFs generated server-side and saved to Supabase Storage. Customers pay with any token via a payment link — merchant always receives USDC. AI Agent handles automatic follow-ups.

Feature	Description
Invoice Creation	Line items, due date, notes, tax fields — stored in `invoices` + `invoice_items` tables
Payment Link	Unique URL — customer pays with any token, merchant receives USDC
PDF Generation	Auto-generated, merchant-branded PDF stored in Supabase Storage
Email Delivery	Sent via Resend API with merchant logo and branding
Status Lifecycle	Draft → Sent → Viewed → Paid / Overdue / Cancelled
Recurring Invoices	Subscription billing — auto-creates on schedule (weekly / monthly / yearly)
Partial Payments	Invoice stays open until fully settled; partial amounts tracked per transaction
Multi-currency Display	Display in USD, EUR, GBP, BDT etc. — always settle in USDC
AI Auto Follow-Up AI	Agent sends reminder emails at 3 days before, 1 day before, and on overdue date

10

Split Payment

Group bill splitting. A split session is created in Supabase, a shareable link generated, and each participant pays their share independently with any token (auto-converted to USDC). Organizer sees a live Supabase Realtime dashboard.

Feature	Description
Create Split	Set total, participant count, and custom note. Stored in `splits` table.
Share Link / QR	Each participant pays their share in any token — auto-converts to USDC
Equal or Custom	Equal division or manually assign amounts per participant
Live Tracking	Supabase Realtime updates who has paid in real-time
Expiry	Sessions expire after 7 days (configurable) if not fully funded
Auto Payout	Once fully funded, USDC auto-transferred to organizer's wallet

11

E-Commerce Payment Suite

Shopify Plugin

Published on the Shopify App Store. Merchant installs the app, connects via OAuth, and crypto checkout appears automatically alongside Stripe/PayPal at checkout.

Feature	Detail
Install	One-click from Shopify App Store; OAuth connects to AbabilPay merchant account
Checkout Widget	USDC / crypto payment option at Shopify checkout, customer-facing
Auto-Convert	Customer pays in any token; merchant receives USDC
Order Sync	Payment confirmed → Shopify order marked paid via Shopify Admin API
Refunds	Merchant initiates from AbabilPay dashboard; USDC returned to customer wallet

WooCommerce Plugin

WordPress plugin (.zip) installable from the WooCommerce plugins panel. Identical features to the Shopify plugin, powered by the PHP SDK and WooCommerce webhook integration.

API & SDKs

SDK / API	Details
REST API	API key auth; rate-limited; documented at `docs.ababilpay.io`
JavaScript SDK	npm package; Node.js + browser; full TypeScript types
Python SDK	PyPI package; async with httpx; ideal for backend integrations
PHP SDK	Composer package; Laravel + vanilla PHP support
Webhooks	HMAC-signed POST events: `payment.completed`, `invoice.paid`, `refund.issued`
Sandbox	Full sandbox powered by Circle testnet + Supabase test project

12

Payroll & Bulk Payment Module

For businesses paying remote teams, DAO contributors, contractors, or affiliates. Employer uploads a CSV or builds a recipient list in the dashboard. One click executes all transfers atomically via Circle's batch transfer API.

Feature	Description
CSV Upload	Columns: recipient wallet/email, amount USDC, note. Bulk resolve emails → wallets via Supabase lookup.
One-Click Execute	All transfers sent via Circle batch API; each logged individually in `payroll_items`
Multi-sig Approval	Enterprise: batch requires 2-of-3 approvals before execution
Status Dashboard	Per-recipient status: Pending / Sent / Failed — with retry on failed
Tax Export	Generate CSV / PDF summary per batch for accounting; stored in Supabase Storage
Scheduled Payroll	Set recurring payroll (weekly/bi-weekly/monthly); auto-triggers via Supabase scheduled Edge Function
AI Anomaly Check AI	Agent flags unusual amounts or new recipient wallets before execution for merchant review

13

AI Agent System

AbabilPay's AI Agent layer is a multi-agent system built on Claude (Anthropic) with LangChain for orchestration. Agents operate autonomously on Supabase data, trigger Circle API actions, and communicate with users via email/push. Each agent has a defined role, tool set, and memory stored in agent_memory via pgvector embeddings.

Architecture: A central Orchestrator Agent receives system events from Supabase Edge Functions and routes tasks to specialized sub-agents. Each sub-agent has access to: Supabase read/write tools, Circle API tools, Resend email tool, and push notification tool. All actions are logged to the agent_logs table for full auditability.

Agent Roster

🧠 Orchestrator Agent

Central event router and task coordinator

Receives all Supabase webhook events
Routes tasks to the correct sub-agent
Handles priority queuing and retries
Logs all decisions to agent_logs

🔄 Auto-Convert Agent

Swap executor for non-USDC deposits

Triggered on every non-USDC deposit event
Fetches best quote from 1inch / 0x
Enforces 0.5% slippage limit
Executes swap and credits USDC to wallet
Notifies user via push after conversion

📬 Invoice Follow-Up Agent

Autonomous invoice reminder and collection

Monitors all invoices with status = Sent
Sends email reminder 3 days before due date
Sends final reminder 1 day before due date
Marks invoice Overdue and notifies merchant
Drafts personalized follow-up email via Claude

🛡 Fraud Detection Agent

Real-time anomaly and risk detection

Monitors all outgoing transactions in real-time
Flags unusual amounts vs. user history (pgvector similarity)
Detects new destination wallets on large transfers
Temporarily holds suspicious transfers for user confirmation
Scores each transaction 0–100 risk; logs to agent_logs

📊 Insights & Forecast Agent

Merchant analytics and cash flow forecasting

Runs nightly analysis on merchant transaction data
Generates weekly revenue summary email
30-day cash flow forecast using transaction history
Detects top customers and revenue trends
Suggests optimal invoice timing based on payment patterns

🌉 Bridge Route Agent

Optimal cross-chain route selection

Called on every bridge initiation request
Fetches live gas prices across all supported chains
Calculates total cost (gas + CCTP fee) per route
Selects cheapest route meeting user's time requirement
Falls back gracefully if Circle CCTP is congested

Agent Memory (pgvector)

Each agent stores context as vector embeddings in the agent_memory table using Supabase's pgvector extension. This enables semantic search over past transactions, user behavior patterns, and merchant history — giving agents long-term memory without expensive LLM context windows.

Supabase / pgvector
-- Agent stores a memory about user payment behavior
INSERT INTO agent_memory (user_id, content,
            embedding)
VALUES (
'user-uuid',
'User typically sends $200–500 USDC to 3 recurring wallets on
              Fridays',

              openai_embedding('user payment pattern...')

            );

-- Fraud agent queries: find similar past patterns
SELECT content
            FROM agent_memory
WHERE user_id =
            'user-uuid'
ORDER BY embedding
            <-> query_embedding
LIMIT5;
          

Agent Event Flow

Supabase DB Event

→

Edge Function Trigger

→

Orchestrator Agent

→

Sub-Agent Invoked

→

Circle API / Email / Push

→

agent_logs Written

14

Supabase Database Schema

All application data lives in Supabase (PostgreSQL). Row Level Security (RLS) policies enforce that users only access their own data. Supabase Auth UID is the foreign key across all tables.

Table	Key Columns	Purpose
users	id, email, google_id, kyc_status, role, created_at	All user accounts with Google OAuth link
wallets	id, user_id, circle_wallet_id, chain, balance_usdc, updated_at	One row per wallet per chain per user
transactions	id, wallet_id, type, amount_usdc, token_in, chain, status, tx_hash, created_at	Every payment, swap, bridge, deposit event
invoices	id, merchant_id, customer_email, amount_usdc, status, due_date, pdf_url	Invoice lifecycle from draft to paid
invoice_items	id, invoice_id, description, quantity, unit_price_usdc	Line items per invoice
splits	id, created_by, total_usdc, description, status, expires_at	Group bill split sessions
split_participants	id, split_id, user_id, amount_usdc, paid_at	Individual payment status per participant
merchants	id, user_id, store_name, shopify_domain, api_key_hash, webhook_secret	Merchant profile and plugin config
payroll_batches	id, merchant_id, total_usdc, recipient_count, status, executed_at	Bulk payment batch jobs
payroll_items	id, batch_id, recipient_wallet, amount_usdc, status, tx_hash	Individual payroll line items
agent_logs	id, agent_type, action, context_json, result_json, risk_score, created_at	Full audit trail of every AI agent action
agent_memory	id, user_id, content, embedding vector(1536), created_at	pgvector embeddings for AI long-term memory
webhooks	id, merchant_id, url, events[], secret, last_status, last_fired_at	Merchant webhook subscriptions
notifications	id, user_id, type, message, read, created_at	In-app and push notification log
address_book	id, user_id, label, wallet_address, chain, created_at	User's saved recipient wallets

Supabase Realtime: The transactions, invoices, splits, and notifications tables all have Realtime enabled. The frontend subscribes to user-scoped channels so balance and status updates appear instantly without any polling.

15

API & Webhooks

Core API Endpoints

Method	Endpoint	Description
POST	`/v1/payments/intent`	Create a payment intent; returns payment link URL
GET	`/v1/payments/:id`	Get payment status and details
POST	`/v1/invoices`	Create a new invoice with line items
POST	`/v1/invoices/:id/send`	Send invoice to customer via email
POST	`/v1/transfers`	Send USDC to wallet address or email
POST	`/v1/bridge`	Initiate cross-chain USDC bridge via CCTP
POST	`/v1/payroll/batch`	Submit a bulk payment batch (CSV or JSON)
GET	`/v1/wallet/balance`	Get unified USDC balance across all chains
POST	`/v1/refunds`	Issue a refund for a completed payment
GET	`/v1/transactions`	List transactions with filters (chain, type, date)
POST	`/v1/webhooks`	Register a webhook endpoint and subscribe to events

Webhook Events

Webhook Payload

            {
"event":
            "payment.completed",
"id":
            "evt_01HX...",
"created_at":
            "2026-05-10T14:32:00Z",
"data": {
"payment_id":
            "pay_01HX...",
"amount_usdc":
            250.00,
"chain":
            "polygon",
"merchant_id":
            "mer_01HX...",
"token_in":
            "MATIC",
              // original token before auto-convert
"tx_hash":
            "0xabc..."

              }

            }
          

Event	Triggered When
`payment.completed`	Payment confirmed on-chain and USDC credited
`payment.failed`	Payment attempt failed (slippage, gas, timeout)
`invoice.paid`	Invoice fully settled
`invoice.overdue`	Invoice past due date with unpaid balance
`refund.issued`	Refund processed and USDC returned
`bridge.completed`	CCTP bridge settled on destination chain
`payroll.batch_completed`	All recipients in a payroll batch paid
`fraud.flagged`	AI Agent flagged a suspicious transaction

16

Product Roadmap

1

Phase 1 — MVP Q3 2026

Core platform launch. Consumer wallet, merchant dashboard, basic invoice system, and Shopify plugin.

Google Auth · Unified Wallet · Auto-Convert · On/Off Ramp · Invoice · Shopify Plugin · Fraud Agent

2

Phase 2 — Commerce Q4 2026

Full e-commerce suite, bridge, split payments, and WooCommerce plugin.

CCTP Bridge · Split Payment · WooCommerce Plugin · API + SDKs · Invoice AI Follow-Up Agent

3

Phase 3 — Enterprise Q1 2027

Payroll module, multi-sig approvals, AI insights, and mobile apps.

Payroll + Bulk Pay · Multi-sig · Insights & Forecast Agent · React Native App · White-label API

4

Phase 4 — Advanced Q2–Q3 2027

Yield on idle USDC, AI-personalized merchant recommendations, QR payments for physical stores.

USDC Yield (Aave) · QR POS Payments · Loyalty Points · AI Expense Categorization · Carbon Offset Micro-donations

Future Unique Features

Feature	Description	Phase
USDC Yield	Idle USDC in wallet earns yield via Aave / Circle Yield integration	4
QR POS Payments	Physical store checkout via QR scan — customer pays, merchant receives USDC	4
AI Expense Categories	Agent auto-tags transactions (Food, Travel, SaaS, Payroll) for merchant accounting	3
Subscription Engine	Recurring billing with auto-charge for SaaS and subscription merchants	3
White-label SDK	Other fintech companies embed AbabilPay under their own brand	3
Carbon Offset Donations	Micro-donation per transaction to carbon offset programs (ESG angle)	4
Loyalty Points	Consumers earn points for paying with AbabilPay; redeemable for fee discounts	4
AI Price Recommendations	Agent suggests optimal invoice pricing based on market and customer data	4

One-Line Pitch: AbabilPay is Stripe for the crypto economy — USDC-native, multichain, zero volatility risk for merchants, with an AI agent layer that runs autonomously on top of Supabase and Circle APIs.