NautPay
Conversational stablecoin payments on Solana — type 'send 50 USDC to alice.sol' and compliance happens invisibly. Every transaction screened by NautLense in real-time. No forms, no friction, no middleman. Banking-grade compliance with crypto-native UX.
Solana · Next.js 14 · Claude Haiku · Jupiter DEX · USDC · NautLense · TypeScript · Phantom · Solflare
2025-present
Crypto payments are fast but compliance is stuck in 2015 — manual checks, static rule sets, fragmented tooling.
Teams juggle separate dashboards for payments, swaps, treasury, and compliance.
There's no safety net: no emergency freeze, no tamper-proof audit trail, no jurisdiction-aware Travel Rule engine.
You either build for speed or for compliance — never both.
NautPay is a conversational payment interface that makes compliance invisible.
Tell it what you need in plain English — 'Pay 500 USDC to bob.sol for March invoice' — and the AI handles routing, compliance screening, and execution.
Behind the scenes, NautLense screens every outbound payment against SECO, OFAC, EU, and UN sanctions lists in sub-second latency.
Travel Rule validation happens per-jurisdiction (Switzerland, Germany, Austria, EU) without the user knowing.
If something goes wrong, INIT LOCKDOWN freezes the entire system with zero latency — no request needed, no middleman involved.
Natural Language Payments
Type 'send 100 USDC to supplier.sol' — Claude Haiku parses intent, NautLense runs compliance, wallet signs and broadcasts. No forms, no dropdowns, no addresses to copy-paste.
Invisible Compliance
Every transaction is pre-screened before execution. Risk scoring, sanctions checks, Travel Rule validation — all happen in the background. The user never sees a compliance form unless something is flagged.
Jupiter Token Swaps
Swap any Solana token through Jupiter DEX aggregation. Best routes, lowest slippage, real-time quotes — integrated directly into the conversational interface.
Treasury Agent
Set spending limits, approval workflows, counterparty whitelists, and risk policies. The AI treasury agent enforces rules automatically — configurable in natural language.
Poco Wallet Verification
Cryptographic proof of wallet ownership via ed25519 signature challenge. Proves you own a wallet without exposing private keys. One verification lasts one year. Satisfies FINMA and BaFin Travel Rule requirements.
INIT LOCKDOWN
Emergency system freeze with zero latency. When regulators issue a freeze order or a breach is detected, one command locks all transaction processing. Dual-layer: in-memory flag (instant) plus database persistence (auditable). SHA256 hash chain ensures the audit trail can't be tampered with.
Building a conversational payment interface where the AI correctly parses ambiguous financial instructions — 'send the usual to Bob' needs context, history, and confirmation flows that don't feel like compliance forms
Maintaining sub-second compliance screening latency while checking against four constantly updating sanctions lists (16,910+ entities) in real-time — the payment can't feel slow
Implementing FATF Recommendation 16 (Travel Rule) across four jurisdictions with different field requirements and thresholds — Switzerland requires different data than Germany, and Austria is the strictest of all
Designing INIT LOCKDOWN to work at zero latency — in-memory flag enforcement means no database roundtrip, but it must persist across restarts and maintain a complete audit trail