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Phone-as-Terminal (POS)

In-person crypto payments via QR and NFC.

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The Problem

Crypto payments in brick-and-mortar lag:
  • Traditional crypto POS requires special hardware
  • QR scanning is clunky
  • Not as seamless as tapping a card
  • Merchants hesitate to adopt

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The Solution

Any smartphone becomes a crypto point-of-sale terminal. 
Merchant enters: $5.00
    ↓
Phone displays QR code (or initiates NFC)
    ↓
Customer scans or taps
    ↓
Payment confirmed on-chain
    ↓
Funds in merchant's vault instantly

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How It Works

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QR Code Flow

  1. Merchant inputs amount in local currency
  2. App generates QR code with payment details
  3. Customer scans with any wallet
  4. Payment executes
  5. Merchant receives funds

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NFC Flow

  1. Merchant inputs amount
  2. App initiates NFC
  3. Customer taps phone or NFC card
  4. Payment executes
  5. Merchant receives funds

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Cross-Chain at the Counter

The merchant can accept various assets:
  • Customer pays with DAI on Polygon
  • Merchant receives USDC on Base
  • Conversion happens in real-time

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Business Impact

BenefitDescription
No hardware costsUse existing smartphones
No card network feesDirect crypto settlement
Instant settlementNo waiting days for bank transfers
Global acceptanceCrypto-native customers welcome

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Use Cases

  • Coffee shops
  • Restaurants
  • Retail stores
  • Event ticketing
  • Taxi/rideshare
  • Street vendors