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ZerôPâŷ Money
Payments that dont wait for Network
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.
Hey Product Hunt! Quick context: 1.4 billion people worldwide don't have reliable internet at the exact moment they need to pay or get paid, including 38 million people right here in Nigeria, where I'm based.
Every payment app assumes you're connected right now. That assumption breaks constantly outside major cities, during outages, at events, anywhere infrastructure is thin.
I'm Tom, Shareholder and CEO of BETONIQ WEST LTD. We built ZeroPay Money: a terminal that signs transactions fully offline using ECC P-256 cryptography plus a silicon-level PUF for tamper-proof hardware identity, with distance-bounding checks against relay attacks. It holds signed transactions for up to 72 hours, then syncs the moment any connectivity appears. We formally verified the protocol logic with TLA+, not just tested happy paths.
We already have a working Paystack merchant integration live, and we're self-funding our first pilot batch of terminals through a small crowdfunding round, link's in the post.
Would love feedback from this community, especially anyone who's worked on offline-first systems, embedded crypto, or payments infra. What would you want to see next?
About ZerôPâŷ Money on Product Hunt
“Payments that dont wait for Network”
ZerôPâŷ Money was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #142 on the daily leaderboard. 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.
On the analytics side, ZerôPâŷ Money competes within Fintech, Payments and Artificial Intelligence — topics that collectively have 539.8k followers on Product Hunt. The dashboard above tracks how ZerôPâŷ Money performed against the three products that launched closest to it on the same day.
Who hunted ZerôPâŷ Money ?
ZerôPâŷ Money was hunted by TOM-DEGGS UGBODAGA. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of ZerôPâŷ Money including community comment highlights and product details, visit the product overview.
TOM-DEGGS UGBODAGA