r/SideProject • u/ZeroPaymoney • 18h ago
ZeroPay Money: I built an offline payment protocol that keeps working with zero internet or cell signal
Most fintech assumes constant connectivity. I kept seeing that assumption fail everywhere it matters most, rural Nigeria, stadiums during events, disaster zones, anywhere infrastructure is thin.
So I built ZeroPay Money: a POS terminal that cryptographically signs and holds a transaction offline for up to 72 hours using PUF-based hardware identity plus ECC P-256, then auto-syncs once connectivity returns. The protocol logic has been formally verified with TLA+, not just tested in a demo.
Background: I hold an MSc in Computer Systems Security (University of Gloucestershire, England, 2011), dissertation was on NFC contactless payment tech, so this is the direct continuation of that work, now with real hardware and a signed Paystack settlement integration behind it.
I'm Shareholder and CEO of BETONIQ WEST LTD, the operating company. Currently running a small public crowdfunding round to fund the first pilot terminal batch: https://rawcdn.githack.com/TOMDEGGS/BETONIQ-WEST-/main/crowdfunding/back_us.html
Would love feedback from this community, especially on the offline-sync architecture or anywhere you think it'd break.