MneePay

Automated gasless payroll & subscriptions powered by programmable money

Automated payment infrastructure for teams, creators, and businesses — built on programmable money.

MneePay is an ERC-4337 smart account wallet that turns complex payment workflows into simple conversations. Create recurring payrolls, batch payments, and automated subscriptions using natural language — no manual approvals, no gas management, fully non-custodial.

Built for the MNEE Hackathon, MneePay demonstrates how programmable stablecoins enable the next generation of financial automation and agent-driven commerce.

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mneepay.demo.video.mp4

🎯 Problem Statement

Traditional payment systems weren't built for the speed and flexibility of on-chain businesses:

• Manual overhead: Every pay cycle requires manual approvals and transaction signing
• Gas complexity: Managing ETH for gas fees creates friction for non-technical users
• Rigid tooling: Existing solutions don't support multi-recipient payouts or automated schedules natively
• Poor UX: Web3 wallets aren't designed for natural, conversational workflows

MneePay solves this by combining smart contract accounts, AI-powered intent parsing, and decentralized automation into a single platform where payments just work.

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✨ Key Features

🤖 Conversational Payment Definition

Define payrolls, subscriptions, and batch payouts using plain English:

• "Pay my engineering team $6,000 each every two weeks"
• "Send $500 to these 40 contributors"
• "Split $20,000: 50% to Alice, 30% to Bob, 20% to Carol"

🔄 Recurring Payroll & Subscriptions

Stop signing transactions every week. MneePay allows you to create robust, on-chain payment schedules that execute automatically:

• Payrolls: Automate salary disbursements to your entire team.
• Subscriptions: Set up recurring payments for services or vendors.

💸 Native Batch Payments

Execute multi-recipient transfers in a single transaction — no extra contracts, no repeated approvals.

� Decentralized Automation

Payment schedules run automatically via Chainlink Automation. Set it once, forget it forever — no servers, no manual execution.

⛽ Gas Sponsorship

Built on ERC-4337 smart accounts with Pimlico as the bundler. All transactions are gasless for end users.

🔐 Self-Custodial by Default

Users maintain full control of their funds. Smart accounts are deployed per user via Privy embedded wallets.

💎 MNEE Stablecoin Integration

All payments settle in MNEE (0x8ccedbAe4916b79da7F3F612EfB2EB93A2bFD6cF), a fully-backed USD stablecoin designed for instant, low-cost global payments.

📇 Contact List

Save frequently used addresses with human-readable names and never copy-paste a wallet address again. When you say "Send $100 to Alice", the AI automatically resolves Alice to her saved address. This eliminates costly mistakes from mistyped addresses and improves UX.

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🏗️ Technical Architecture

MneePay is a full-stack application built with modern Web3 infrastructure:

Frontend

• Framework: Next.js 16 (App Router)
• UI: React 18 + Tailwind CSS + shadcn/ui
• State Management: TanStack Query (React Query)
• AI Integration: Vercel AI SDK with Gemini 2.5 Flash Lite for intent parsing

Smart Contracts (Foundry/Solidity)

• MneeSmartWallet — ERC-4337 compliant smart account with commitment tracking
• MneeSmartWalletFactory — Deterministic wallet deployment via ERC-1167 minimal proxies
• MneeIntentRegistry — Central registry managing all automated payment intents
• Deployed on BSC Mainnet

Blockchain Integrations

• Account Abstraction: ERC-4337 (EntryPoint v0.7)
• Bundler: Pimlico (with sponsored transactions)
• Automation: Chainlink Automation for decentralized intent execution
• Embedded Wallets: Privy (email/social login with no seed phrases)

Indexing & Data Layer

• Indexer: Envio (GraphQL API for transaction history and analytics)
• Database: Neon Postgres (chat persistence via Drizzle ORM)
• Real-time queries: Activity feeds, payment schedules, wallet stats

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📂 Project Structure

mneepaymenthub/
├── apps/
│   └── web/                    # Next.js frontend application
│       ├── app/                # App Router pages
│       ├── components/         # React components
│       ├── hooks/              # Custom React hooks
│       ├── lib/                # Utilities and blockchain clients
│       └── public/             # Static assets
│
├── packages/
│   ├── contracts/              # Foundry smart contracts
│   │   ├── src/                # Contract source files
│   │   ├── script/             # Deployment scripts
│   │   └── foundry.toml        # Foundry configuration
│   │
│   └── indexer/                # Envio indexer
│       ├── config.yaml         # Indexer configuration
│       ├── schema.graphql      # GraphQL schema
│       └── src/                # Event handlers
│
└── pnpm-workspace.yaml         # Monorepo configuration

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🚀 Getting Started

Prerequisites

• Node.js v18+ (download)
• pnpm v8+ (npm install -g pnpm)
• Docker Desktop — only required if running the indexer locally (download)

Obtain API Keys

You'll need accounts with the following services (all have free tiers):

Service	Purpose	Sign Up
Privy	Embedded wallet auth	privy.io
Pimlico	ERC-4337 bundler & gas sponsorship	pimlico.io
Neon	Serverless Postgres	neon.tech
Google AI Studio	Gemini API for AI chat	aistudio.google.com

Installation

1. Clone the repository

   git clone https://github.com/Stoneybro/mneepaymenthub.git
   cd mneepaymenthub

2. Install dependencies

   pnpm install

3. Configure environment variables

   Copy the example file and fill in your keys:

   cp apps/web/.env.example apps/web/.env.local

   Or create apps/web/.env.local manually:

   # Privy (required)
   NEXT_PUBLIC_PRIVY_APP_ID=your_privy_app_id
   
   # Pimlico (required for gasless transactions)
   NEXT_PUBLIC_PIMLICO_API_KEY=your_pimlico_api_key
   NEXT_PUBLIC_PIMPLICO_SPONSOR_ID=your_sponsorship_policy_id
   
   # Database (required for chat persistence)
   DATABASE_URL=your_postgres_connection_string
   POSTGRES_URL_NON_POOLING=your_postgres_non_pooling_url
   
   # AI (required for conversational payments)
   GOOGLE_GENERATIVE_AI_API_KEY=your_gemini_api_key

4. Run database migrations

   cd apps/web
   pnpm db:push
   cd ../..

5. Start the development server

   From the repository root:

   pnpm dev

   Or from the web app directory:

   cd apps/web
   pnpm dev

6. Access the application

   • Frontend: http://localhost:3000

Optional: Run the Indexer Locally

The app uses a hosted Envio indexer by default. To run it locally:

cd packages/indexer
pnpm dev

This requires Docker and exposes a GraphQL playground at http://localhost:8080.

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🎬 Demo Flow

1. Wallet Activation

Users sign in with email/social login. A smart account is deployed deterministically on first use.

2. Fund Your Wallet

Deposit ETH or MNEE stablecoin. The wallet displays available vs. committed balances in real-time.

3. Save Your Contacts

Add team members, vendors, or frequent recipients to your contact list with friendly names. No more copy-pasting addresses — just use names like "Alice" or "Marketing Budget".

4. Create a Payment

Use natural language to define your payment:

• Single transfer: "Send $100 to Alice" — the AI resolves Alice from your contacts
• Batch payout: "Pay $50 each to Alice, Bob, and Carol"
• Recurring payroll: "Pay my team $6,000 each every two weeks for 6 months"

5. Confirm & Execute

Review the parsed intent in a clean UI card. Confirm the transaction — no gas fees, fully sponsored.

6. Automation Runs

Chainlink keepers execute scheduled payments automatically. Track history and cancel anytime.

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🎥 Demo Video

▶️ Watch the Demo

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🧪 Testing

Smart Contracts

cd packages/contracts
forge test

Frontend

cd apps/web
pnpm test

Local Indexer

cd packages/indexer
pnpm dev

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📊 How It Works: Technical Deep Dive

1. Intent Parsing

User input is sent to a Gemini 2.5 model with a structured prompt. The AI:

• Identifies recipients and amounts
• Extracts timing parameters (interval, duration, start time)
• Selects the correct smart contract method
• Validates all parameters before tool execution

2. Smart Account Execution

The parsed intent becomes a UserOperation:

• Single transfers: execute(target, value, data)
• Batch transfers: executeBatch(Call[] calls)
• Recurring payments: Registry calls createIntent(...)

3. Commitment Tracking

When an intent is created:

• Funds are locked in the wallet's s_committedFunds mapping
• Available balance = total balance - committed balance
• Prevents double-spending across overlapping intents

4. Automated Execution

Chainlink Automation:

• Calls checkUpkeep() every block to scan for executable intents
• Triggers performUpkeep() when conditions are met
• Registry calls wallet's executeBatchIntentTransfer(...) to distribute funds

5. Indexing & Analytics

Envio indexer captures all events:

• Wallet deployment
• Single/batch executions
• Intent creation/execution/cancellation
• Failed transfers

Data is queryable via GraphQL for dashboards and activity feeds.

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🏆 MNEE Hackathon Submission

Track: Programmable Finance & Automation

How We Use MNEE:

• All payments settle in MNEE stablecoin
• Demonstrates programmable money via automated, scheduled payouts
• Enables AI agents to execute treasury operations without human intervention

Solves Real Coordination Problems:

• Automated payroll eliminates manual approval overhead for remote teams
• Batch payments reduce costs and time for large distributions
• Shared treasury automation enables transparent, predictable budget execution

Impact Potential:

• Targets remote-first companies, DAOs, creator economies
• Scalable infrastructure (Chainlink Automation, ERC-4337)
• Open-source and composable — other projects can build on our contracts

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🛠️ Tech Stack Summary

Layer	Technology
Frontend	Next.js 16, React 18, TypeScript, Tailwind CSS
Smart Contracts	Solidity 0.8.28, Foundry, ERC-4337
Account Abstraction	Pimlico (Bundler), EntryPoint v0.7
Automation	Chainlink Automation
AI/NLP	Vercel AI SDK, Gemini 2.5 Flash Lite
Auth	Privy (embedded wallets)
Database	Neon Postgres, Drizzle ORM
Indexing	Envio (GraphQL API)
Payments	MNEE Stablecoin (0x8cce...)

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🤝 Contributing

We welcome contributions! Please:

1. Fork the repository
2. Create a feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

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📄 License

This project is open-source under the MIT License.

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🔗 Links

• Live Demo: mneepay.vercel.app
• GitHub: github.com/Stoneybro/mneepaymenthub
• MNEE Stablecoin: 0x8ccedbAe4916b79da7F3F612EfB2EB93A2bFD6cF
• Contact: stoneybrocrypto@gmail.com

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🙏 Acknowledgments

Built with support from:

• MNEE — Programmable money infrastructure
• Chainlink — Decentralized automation
• Pimlico — ERC-4337 bundler and gas sponsorship
• Privy — Embedded wallet authentication
• Envio — Real-time blockchain indexing

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MneePay — Where payments become conversations, and automation becomes trust.