ZerôPâŷ Money

ZeroPay Money is an offline-first payment protocol for the 1.4B unbanked worldwide, incl. 38M in Nigeria. Our terminal signs transactions offline using ECC P-256 crypto, anchored to a silicon-level PUF for tamper-proof hardware identity, with distance-bounding checks against relay attacks. Transactions sync automatically once connectivity returns (up to 72hrs offline). Formally verified via TLA+. Live: a working Paystack integration plus a self-funded crowdfunding round for our first terminals.