D-pay - Whitepaper of the D-Pay project

Sat December 25 2023

Whitepaper of the D-Pay project

The goal of the d-pay project

d-pay is the gateway connecting the web 2 world to the web 3 world. d-pay aims to bring the practical platforms that are currently using web 2 systems into the web 3 world by providing practical solutions. At the beginning of the project, it was to provide payment solutions in the form of web 3, and with the further development of the project, we also created more platforms in other sectors such as streaming and providing services for freelancers. In the continuation of our development plan, we will consider more sectors of the web 2 market so that we can create a new web 3 world for people around the world and be a bridge for the connection of web 2 businesses to web 3.

Statement of the problem

In the beginning of its activity, d-pay focuses on three target markets: payment, streaming, and freelancers. d-pay will provide practical strategies and solutions to solve the problems of these three categories of web 2 users. By providing decentralized web 3 solutions, d-pay will help all human beings around the world to interact with each other in the decentralized world.

1-Problem statement and proposed solution for the payment system

The first market of d-pay is to provide solutions to solve the problems of financial interactions around the world. We live in a world where, due to the mandatory laws of governments, many countries and people who are born in these countries are unable to interact financially with other countries in the world. But in 2009, a person named Satoshi Nakamoto was the initiator of changing this definition and implemented a system called Bitcoin. A system that initiated a major change in the financial world and meant the reduction of central powers and banks and created the thinking of a decentralized system.

Over time, with the advent of powerful development platforms such as Ethereum, and with the advent of other different systems and concepts such as DAO, DeFi, etc., for the implementation of a world on the basis of justice and away from the concentration of governments and states, we witnessed the entry into the web 3 world, and in the meantime, the d-pay project also started its program with the same thinking and goal to build a decentralized financial world in the web 3 world. In the web 2 world, where the providers of financial services are WebMoney, PayPal, Mastercard, etc., with strict rules that have caused people from 28 countries to be deprived of financial services and people from more than 64 other countries can only withdraw money to a US bank account, it has made it difficult for many people to use financial services and financial interactions with the world. Based on this goal, that every person in any part of the world, regardless of nationality, gender, country, or government in which they live, can interact financially with the world as a human being, d-pay launched its first goal, a decentralized payment gateway. A decentralized system that, regardless of people's place of residence, the strict laws of governments and states, and the war between governments and politicians, people from any country can engage in financial interactions with each other, which will lead to the growth of deprived businesses in the world and a more just world.

2-Problem statement and proposed solution for streamers

In the next phase of the development of the d-pay decentralized platform, we saw a lack of decentralized platforms to provide services to streamers. The existence of problems such as the lack of a cryptocurrency donation system with the ability to broadcast online gif donations during a stream for the streamer, or the system of creating fan tokens to support streamers from their users, and other problems, led to the spark of the creation of the d-pay streaming section. And d-pay, as the first platform to provide decentralized services for streamers on the web 3 platform in the world, started to implement various sections to provide services to streamers, which will be explained in detail in the following.

3-Problem statement and proposed solutions for freelancers and employers

A major problem that we see in the relationship between freelancers and employers around the world is their communication, contract signing, and financial interactions. With the growth of technology and the existence of powerful educational platforms such as YouTube, which has enabled talented and highly specialized people to be ready to enter the labor market from all over the world, especially in countries deprived of financial and governmental connections, as well as the existence of suitable platforms for completing projects on a freelance basis and the need of developing countries for specialized and cheap labor, and the lack of a secure and reliable platform to create trust, communication, and financial interactions for freelancers and employers, led the d-pay project to solve this problem with the help of web 3 systems and DAO technology to create a secure platform for signing contracts between freelancers and employers.

4-Continued

In the future, d-pay plans to strengthen its decentralized financial system and increase web 3 services in a decentralized manner, including a decentralized exchange, a system for financial interactions with streamer tokens, a system for insuring freelancer contracts, and more capabilities for the payment gateway and a powerful system with more features for freelancers, in accordance with the explanations of its roadmap and beyond.

Overview of d-pay solutions

1-Decentralized payment gateway system

A-Different payment system solutions:

I-Supported networks and coins:

The d-pay payment gateway system is a fully decentralized system that supports 8 blockchain networks, including:

Optimistic , Ethereum , Binance Smart Chain , Ethereum , Polygon , Avalanche , Harmony One , Fantom , Arbitrum

The system also supports 4 major stable coins in the market, namely USDT, BUSD, USDC, and DAI, on all of these networks. Additionally, the D-payG token is supported on the Binance Smart Chain network.

Since the d-pay payment gateway system is based on the Ethereum EVM structure, it can easily support more networks that are implemented on the Ethereum EVM.

The d-pay payment gateway system also has the ability to easily support many different coins on all of these networks. In the event of a need, any required coin can be easily added to the payment gateway. However, because the goal of d-pay is to ensure the stability of the assets of users who use this gateway, only the market's stable coins have been added to this platform. This is to allow users to make financial transactions with peace of mind and away from the volatility of the cryptocurrency market.

II-Instant settlement system:

One of the most important and useful parts of the d-pay project is the existence of a smart routing system. This system makes it possible to avoid the need for a liquidity pool to transfer amounts, and the amounts are transferred instantly in the gateway. This feature prevents problems such as the centralization of assets in the liquidity pool, which could lead to hacking or blocking of assets, and a decrease in user confidence. Store owners can receive the amount deposited by their users instantly in their wallets.

III-Non-mandatory identity verification system:

Due to the complete decentralization of the d-pay system and its smart contract-based nature, there is no need for identity verification on this platform. This allows all people from all over the world to use this system for their financial interactions. In this regard, due to the decentralized nature of the system and the main structure of the project, which works on the Binance Smart Chain (BSC) network, all user information is stored on this blockchain network in the form of wallet addresses, and no other identity of users is stored in the system. All other information is also stored in a fully encrypted format for faster retrieval (cashing).

IV-Decentralized user account creation system:

Since the d-pay system works on the web3 platform, you do not need to create an account in the same way that you have done on other web2 platforms, which required entering an email and password. Your entire identity is your public wallet address and you can easily create an account and log in to the site with your wallet. This increases security and confidence and can be said to be one of the very special advantages of web3 platforms.

V-Merchant code and gateway creation system:

Another attractive feature of the d-pay platform is the merchant code system for connecting web2 systems to web3. The merchant code system creates a merchant code for your store on the blockchain at the lowest cost and enables you to easily connect your web2 platforms to web3 systems and enter your platform payments to the blockchain. Your users can pay for their purchases with cryptocurrency. All of this system is done on the main network, Binance Smart Chain (BSC), to give the user the assurance of the complete decentralization of the system. It can be said that d-pay is the only decentralized payment gateway in the world that provides all services and systems on the blockchain.

VI-Transaction processing system:

d-pay has solved many problems in the transaction processing section. One of the biggest problems that many users have dealt with is incorrect transactions. It can be said that in all cryptocurrency payment gateways, we see that due to the emerging nature of cryptocurrency payment systems and the lack of sufficient knowledge of users and the general public, many transactions are faced with incorrect selection of tokens or networks. This problem has caused a large number of businesses to refrain from making transactions in cryptocurrency, apart from significant financial losses. However, in the d-pay payment gateway, this problem has been completely solved and users cannot make incorrect transactions. The platform itself takes care of all the necessary things for choosing the right network, the right coin, and even the right address so that users can safely make their transactions. Also, due to the use of the smart routing system, the possibility of blocking assets in this platform does not exist. There is also the possibility of instant deposit in d-pay.

It can be said that d-pay is the only decentralized platform that has provided this opportunity to create a payment gateway with high security for users on the blockchain platform in a completely decentralized manner without a liquidity pool and the potential problems that were mentioned earlier regarding the existence of liquidity pool. Also, in d-pay, all the steps are done by the user and in a completely decentralized manner, so users can easily trust d-pay.

VII-Number of stores that can be supported in each account:

Another feature of the d-pay platform is the ability to create and manage unlimited stores. In the d-pay platform, you can create and manage unlimited merchant codes and stores and connect a large number of stores to the d-pay gateway. You can also manage each of the gateways separately and also have the ability to manage your entire account.

VIII-Maximum payment limit:

d-pay is the first and only cryptocurrency payment gateway that allows users to pay amounts less than $1 and even 0.001 cents. It also has no limit on the ceiling payment and users can pay any amount.

IX-Gateway connection systems:

To connect to the d-pay payment gateway, you can easily use the d-pay Wordpress modules or API. All the explanations, connection methods, and necessary instructions are also fully explained in the documents section of the d-pay gateway, which you can use to easily connect to the d-pay payment gateway.

B-Different streaming solutions for d-pay

One of the biggest problems that the d-pay platform has solved for streamers and everyone who uses streaming support platforms around the world is the ability to receive support in cryptocurrency. This service is also provided in a completely unique way for streamers. As mentioned earlier, d-pay is the only platform that offers a completely decentralized cryptocurrency donation system for streamers. In the following, we will fully explain the unique aspects of this section:

I-Ability to create a unique donation link

In d-pay, you can create a unique donation link for each of your purposes, such as receiving support for different purchases, receiving support for charity, or anything else. You can manage each of the link receipts separately. One of the special features of this section is the ability to create an infinite number of links for you. In this way, you can create an infinite number of donation links for different purposes for yourself. You can also manage the receipts of each of the links separately and receive and manage them in the dedicated and desired stores that you have created in the d-pay platform. Also, creating donation links is completely free and you do not need to pay to create these links.

II-Ability to stream gif donations

One of the special features of d-pay donation links that is especially special for streamers is the ability to stream gif donations. d-pay is the first and only decentralized platform in the world that allows streamers to receive a gif donation link when they create a donation link and stream their own custom gif donations in their stream. These gif donations are fully customizable and when a user supports you, the customized gif donation is instantly streamed in the streamer's stream.

III-Ability to receive crypto donations

As mentioned earlier, d-pay is the first and only platform that has created the ability to receive crypto donations for streamers. This feature is implemented specifically in the d-pay gateway. And since d-pay's payment gateway system is also completely decentralized and also has the instant deposit feature mentioned earlier, streamers can see their financial support instantly in their digital wallet at the same time they are supported. And also in case of setting gif donation, gif donation is also streamed instantly in the streamer's stream.

IV-Ability to create a dedicated donation page

Another feature that is available for streamers and everyone who wants to receive support, whether streamers or non-streamers and the general public, is the ability to create a dedicated streaming page. You can customize all sections of this page from the background to displaying the amount received, the mandatory or optional nature of each field, and even displaying the streamer's custom tokens. The user who intends to donate can also define whether his name or details should be displayed in the stream or not.

V-Stream optimization page

Another special feature in the stream page setup section for streamers is the ability to fully optimize the stream page. This means that streamers can set custom gif donations for different amounts of their stream, including the display of the donation amount, the location of the gif donation, the duration of the animation, the playback mode, the display of custom audio, and even the ability to play a custom video or change the color and font of the user's message. There is also the ability to set different conditions for different donation amounts to display different video modes, audio, and gif donations. All of these features are also fully customizable on the d-pay platform.

VI-Fan token creation

One of the more special sections of the d-pay platform is the ability to create fan tokens on the platform. Users, especially streamers, can easily create their own custom tokens on the d-pay platform. The platform also provides all the necessary settings for creating a token, such as the number of tokens, the decimal of the token, the token logo, the name and symbol of the token, and even the description and social network. This allows users to easily create their own fan tokens. The entire token creation system is done on the Binance Smart Chain blockchain (BSC) and these tokens will be officially placed on the Binance network. Users can even track the transactions made with this token in the Binance network explorer.

VII-Burning and minting of fan tokens

Another feature in the fan token creation section for streamers and other users is the ability to burn or mint fan tokens for users. Users can, after producing their fan token, mint new tokens for themselves if necessary, or burn a specified number of tokens from the tokens they hold if necessary. All of these burning and minting sections are done entirely on the Binance Smart Chain and are also visible to all users who own your fan token.

VIII-Fan token management

Another feature in the fan token section is your fan token management system. This means that you can manage the number of fan tokens you have, the number of fan tokens in your users' hands, and even your token turnover and the status of the tokens that you have charged in your stores so that they can be given to your users with a purchase or donation. You can also define different conditions for your token offerings in the donation section, so that users who enter the gateway to support you will receive a certain amount of token in addition to every specific amount.

IX-Donation message management control panel

Another section for streamers is the donation message management system in the stream for streamers. This allows streamers to view the duration of a gif donation or messages sent in a donation to the streamer in their stream, or to reduce or increase the duration of that gif donation. Streamers can also view past donation messages.

X-Displaying the number of loyal users

Another feature in d-pay is the ability to display loyal users. This means that all users who purchase or donate from you are reviewed in the system based on their wallet addresses and evaluated based on their support or purchase and with respect to other users. With the review of all of these factors, the number of your loyal users is displayed. d-pay is the only platform in the world that, with the ability to track tokens and the CRM system in the gateway, and with the help of the blockchain structure, has provided the innovative ability to find fans' wallets for more support and identification of fans.

XI-Donation statistics reporting system

Another feature in d-pay is the ability to display and report donations made, as well as categorize donations made, and report all necessary information from donations made, as well as the ability to display a list of donations made and the wallet addresses of people who have made the most support in d-pay streams.

XII-Competition between streamers

With the ability to create tokens and the existence of a CRM system and the intelligent structure behind the d-pay platform, the possibility of competition between streams has been implemented for the first time in the world by d-pay, and streamers have the opportunity to compete with each other based on donations and loyal users. This system ranks the fan tokens of streamers after reviewing the fan tokens of users, taking into account the turnover of tokens, the liquidity volume, the number of holders, the volume of donation amounts, and taking into account the organic nature of the donated amounts and tokens moved and assigning all of these factors to the fan tokens of streamers.

C-Freelancer and employer system

One of the other sections that has been solved for the major problem of communication between employers and freelancers in D-pay is the system of communication between freelancers and employers, which employers can easily close a DAO-based contract with freelancers and deposit the amount of the project and a smart contract on the Binance Smart Chain (BSC) network is responsible for managing the deposit and payment of the freelancer's income.

The DAO system in the D-pay platform has also taken care of all potential problems in the execution or non-execution of the project, or the correct execution of the project and payment of the cost, and with the help of the arbitration system inside the network and voting inside the network based on DAO, the possibility of disagreement has been taken away. In case of a disagreement, the problem will be solved with the help of these systems and decentralized voting.
Freelancers can also rely on the system with peace of mind and, if they do the project correctly, they will receive their income. In addition to this story, employers can also rely on the decentralized system of D-pay and the contract closing systems on the blockchain to do the work by the freelancer, and if a problem occurs, people inside the network can prevent the system from distrusting the system. To reach a consensus and vote on the status of the execution or non-execution of the project.
move project information inside the D-pay platform. You can place your introduction and contract link on your social network or website where you work. After you meet the employer and talk and agree with the employer, which can be done on any messenger or social network, to close the contract, you can enter D-pay and, by setting the contract and its provisions, setting the project amount, and if necessary, dividing the project into sections and specifying the time for each section and allocating the cost for each section, and completing and fully approving the contract and reaching the two parties, you can register the contract on the Binance Smart Chain network. This contract is a smart contract and at the time of registration, the full amount of the project is taken from the employer and placed in the contract. After completing each section and if approved by the employer, the cost of that section will be deposited into the freelancer's account. Also, in case of delay in completing the project, according to the agreement made in the contract, the income of the freelancer will be deducted from the income of the freelancer in each hour of delay. And in case of a problem or disagreement, you can request voting and consensus in the network by paying the voting fee. People who are active and closing contracts in the D-pay blockchain network from among the existing freelancers and employers will review your documents. After reviewing each member, they finalize their decision and, ultimately, the status of the project is determined by holding consensus and majority vote. This system has different sections that we will review each section in the following:

I-Profile creation system

In this section, freelancers and employers can create their own profiles and, if they wish, provide their identity information for more trust. In case of identity verification, the user's email and other user information are reviewed and verified by the D-pay system, which increases confidence between the two parties. However, identity verification is not mandatory in the D-pay system, but the status of the profile is displayed to both parties at the time of contract signing, and both parties decide to close the contract by considering the overall status of the other party.

II-Writing and closing contract system

In the contract writing system, the user can enter the terms of each section separately that this project includes, and consider the cost and time for each section, as well as a general explanation of the project in the contract. You can also upload the necessary documents for this contract, as well as the penalty amounts based on each hour of delay in completing the project, and finally, the contract is registered in the Binance Smart Chain blockchain in the event of approval by both parties and signing with the wallet of each. This contract becomes a smart contract and at the time of registration, the total cost of the project is taken from the employer and placed in the contract.

III-Settlement and project work system

This system is fully intelligent and works according to time or employer approval. In the event that the freelancer completes each section of the project and provides reports on that section of the project, and if the employer approves, the freelancer can request approval to withdraw from the employer and, if approved by the employer, the amount of that section that is registered in the contract is deposited into the freelancer's digital wallet.
Also, in case the freelancer completes the project later, according to the penalty approved at the time of closing the contract, in each hour of delay, the amount of delay is deducted from the freelancer's deposited income and deposited into the employer's account.

IV-Consensus and dispute resolution system

Another part of this system is solving problems and disputes. In the event of a disagreement between the freelancer and the employer, either of them can request an investigation and consensus. At the time of requesting consensus, the cost of consensus is determined based on the request of the consensus makers, which is determined by the person who requests consensus. The request for consensus is placed in the network, and people within the network who are willing to participate in the consensus from among the existing freelancers and employers decide to participate in the consensus. With confirmation of participation in the consensus, the documentation of the complainant is sent to the consensus makers for review. Those people decide to participate in the voting after reviewing the documentation. After voting, they receive the income of participating in the voting. In the event that more than 7 days elapse from the time of requesting to participate in the consensus to the time of voting by the participant in the group, the consensus maker's vote is canceled and the request is given to another person in the network. In the end, the decision on the status of the amount in the contract is made with the votes of the main consensus members.
The votes of the consensus makers are also valued based on the reviews and overall decisions. After a while, if a person has given unconventional votes, they will be blocked from the consensus system and will not be able to vote.
In addition, all people who participate in this consensus must have a valid employer or freelancer history on the platform and have also closed several successful contracts.

IV-Consensus and dispute resolution system

The request for consensus is placed in the network, and people within the network who are willing to participate in the consensus from among the existing freelancers and employers decide to participate in the consensus. With confirmation of participation in the consensus, the documentation of the complainant is sent to the consensus makers for review. Those people decide to participate in the voting after reviewing the documentation. After voting, they receive the income of participating in the voting. In the event that more than 7 days elapse from the time of requesting to participate in the consensus to the time of voting by the participant in the group, the consensus maker's vote is canceled and the request is given to another person in the network. In the end, the decision on the status of the amount in the contract is made with the votes of the main consensus members.
The votes of the consensus makers are also valued based on the reviews and overall decisions. After a while, if a person has given unconventional votes, they will be blocked from the consensus system and will not be able to vote.
In addition, all people who participate in this consensus must have a valid employer or freelancer history on the platform and have also closed several successful contracts.

D-Staking system

The D-pay project has launched a staking system in order to develop and interact with its users.
This system helps the project to obtain financial support for the development of the project and, with the help of this financial support, to promote the growth of the project. In addition to this growth, the people who have been our supporters in the path of growth will be able to benefit from their growth. In the beginning, this system will only have an annual plan with a profit percentage of 44.4% for one year.
It will also be limited and for a limited time. After the first financial support, the new plans will be different from the plan.

I-User plan in the staking section

In the staking section, each user has a dedicated user plan that is based on web3. Users can enter their panel with their wallet and in this panel, they can view the staking steps and reporting. In addition, they can view information such as the profit of their referrals and their referrals up to three levels. In addition to all of these, if they stake, they can copy their referral code in the referral code display section and provide it to other people for referral, which they will also receive direct profit from their referral. Of course, in the following, we will provide more detailed explanations in the section of the staking system architecture.

II-Referral system in staking

The D-pay staking system, in order to support its users and encourage users, also has a referral system up to three levels so that users can also receive profit from this referral in addition to introducing the project.
It is a form of support for loyal project users. The explanations and profit percentages of this section are fully explained in the project architecture section.
Users can also see the number of people in each level of their group in their user panel and view the total profit percentage from their referral.

Comparison to competitors in the sections mentioned

1. In the payment gateway section

Feature	D-pay	NOWPayment	Coinbase	BitPay	Blockonomics	Coingate	CoinPayments
Fees	1% fixed	0.5-2% variable	1% fixed	2% + 0.25C	1%	1%	0.5% fixed
Donation streaming system	Yes	No	No	No	No	No	No
Token creation system	Yes	No	No	No	No	No	No
Token management system	Yes	No	No	No	No	No	No
CRM customer history system	Yes	No	No	No	No	No	No
Donation landing page system	Yes	No	No	No	No	No	No
Donation streaming system	Yes	No	No	No	No	No	No
Conditioning system for payment and token receipt in gateway	Yes	No	No	No	No	No	No
Number of restricted countries	None	27 (link to restricted countries)	32	27 (FATF laws)	None	None	39
Minimum payment limit	$0.001	Variable by network	Minimum $4 on Binance network and $17 on Ethereum network	$0.001	$5	$1	$1
Need for liquidity pool to provide payment	No	Yes	Yes	Yes	Yes	Yes	Yes
Exchange system	No	Yes	Yes	Fiat exchange available	No	Yes	Yes
Number of supported networks	8	63	2	6	1	11	52
Number of supported currencies	4	160	13	9	1	18	65
Mandatory identity verification system	No	For payments over $10,000 or fiat deposits	Yes	Yes	No	Yes	Yes
Structure of the merchant code and gateway creation system	Decentralized	Centralized	Centralized	Centralized	Centralized	Centralized	Centralized
Transaction processing system	Decentralized	Centralized	Centralized	Centralized	Centralized	Centralized	Centralized
Possibility of asset blocking	No (in D-pay, all steps are performed by the user and completely decentralized)	Yes	Yes	Yes	Yes	Yes	Yes
Possibility of closing a decentralized contract at the time of payment	Yes	No	No	No	No	No	No
Stability and security system of assets in market fluctuations	Yes, without additional cost	Yes, but exchange cost is also added	No	Yes, but exchange cost is also added	No	Yes, with conversion cost	No
Stability and security system of assets in market fluctuations	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Maximum payment limit	No	Yes, and identity verification is also required for high amounts	Yes	Yes	No	Yes	No
System for receiving donations	Yes	No	No	No	No	No	No
Word press integration system	Yes	Yes	Yes	Yes	Yes	Yes	Yes
API connection system	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Compatibility with other streaming systems	Yes	No	No	No	No	No	No
Based on web3 structure	Yes	No	No	No	No	No	No
Security payment system for user error transactions	Yes	No	No	No	No	No	No

2-In the section comparing the streaming system with competitors

Feature	D-pay	streamelements.com	streamlabs.com	TipeeeStream
Subscription cost	Completely free	Free: Revenue is taken from donations and sales of streamer goods	Free	30% of each donation
Cost of the dedicated page design plan	Completely free	Free: Displaying ads and commission on streamer goods sales	$19 per month	Free from the Devint section
Number of dedicated links that can be created with each account	Unlimited	One link	One link	One link
Ability to stream video, audio, and photos from within the user system without uploading or downloading	Yes	Yes	Yes	Yes
Ability to receive cryptocurrency donations	Yes	No	No	No
Ability to create a dedicated donation page	Yes	Yes	Yes	Yes
Ability to optimize the streaming page	Yes	Yes	Yes	Yes
Ability to optimize the streaming page (professional)	Soon	Yes	Yes	Yes
Dedicated payment gateway	No: Uses PayPal and Mastercard	No: Uses PayPal and Mastercard	No: Uses PayPal and Mastercard	No: Uses PayPal and Mastercard
System for streaming video, photos, and audio with payment conditions in donation	Yes	Yes	Yes	Yes
System for customizing video streaming during donation	Yes	Yes	Yes	Yes
Donation management control panel	Yes	Yes	Yes	Yes
System for displaying the number of loyal users	Yes	Yes	Yes	Yes
System for finding loyal users	Yes	No	No	No
System for displaying donation statistics	Yes	Yes	Yes	Yes
System for competition between streamers	Yes	No	No	No
System for streaming on multiple platforms simultaneously	No	No	Yes	No
Chat system in the stream	No	Yes	Yes	No

3. In the section of smart contracts between freelancers and employers In this section, due to the completely new idea and design, there is no competitor for review in the world at present and it can be said that the D-pay project was the first to offer this type of design, which we will also review the implementation of this design in the architecture review section.

Technology and Architectures

Payment Gateway Architecture

D-pay Overall Architecture

D-pay's main goal is to connect the Web 2 world to the Web 3 world. This is a challenging task for the development team, but it will create a lot of value for people. The entire D-pay development system is based on a decentralized architecture. We have tried to focus on decentralization while making it easy to connect to the Web 3 world.

Layer 1: The core of the D-pay ecosystem is based on the Ethereum EVM engine. This engine is the most powerful and efficient available, and it ensures that the D-pay system is decentralized.

The EVM engine is the only blockchain architecture that meets the three main principles of decentralization. In addition, the EVM is constantly being developed, and it is the basis for many of the leading cryptocurrencies in the market. For these reasons, we chose to use the EVM engine as the core of the D-pay project.

Layer 2: The D-pay ecosystem can support any network or coin that uses the EVM engine. This gives the project a lot of flexibility, and it allows us to add new networks and coins as needed.

For now, we are using Ethereum and Layer 2 networks on Ethereum. We are also using the Binance Smart Chain (BSC) network for its efficient fees and reliability. The D-pay system is built on BSC, but the payment gateway supports the following

networks:

Optimism BSC , ETH , Polygon , Avalanche , Harmony One , Fantom , Arbitrum ,

Layer 3: The D-pay ecosystem will use the Polkadot ecosystem to add scalability and extensibility. This will allow us to add programs from other networks to the D-pay ecosystem, such as DAOs, NFTs, and DeFi.

Layer 4: The D-pay ecosystem is based on a modular architecture. This allows us to add new platforms and services as needed.

The following services are planned for Layer 4:

Bridge: For converting tokens between different networks

DAO: For reaching consensus between users

NFT: For creating NFTs

DeFi: For decentralized finance, including a DEX and a lending system

Layer 5: The D-pay ecosystem will consist of various platforms for interacting with users. These platforms will be based on Web 3 to provide a secure and decentralized experience.

The D-pay ecosystem will include the following platforms:

Payment gateway

Freelancer and streamer platforms

Other D-pay platforms

Layer 6: The connection layer will connect the D-pay ecosystem to the Web 2 world. This will be done through APIs, which will allow users of Web 2 platforms to connect to the D-pay ecosystem and the Web 3 world.

The user starts the payment process by entering the gateway and informing the server. After connecting the wallet to the gateway, the user presses the "Approve" button to give the contract permission to withdraw tokens selected by the user in the amount of the amount sent from the store website.

After completing the transaction, the contract informs the client of the completion of the transaction. The client then performs the checks with the information available in the client and then the client informs the server of the completion of the transaction and sending the initial payment information and asks for permission from the server to continue the payment and verify the information sent.

The server checks the information sent with the blockchain, the contract, and the information in the database regarding this order. After confirmation, the server receives the necessary information and approvals from the contract to continue the transaction.

Then the client requests permission from the server to continue the work and receive the approved information. The server, with positive and correct information, allows the client to continue the payment.

The user starts the second payment phase by pressing the "Confirm" button. Then the client informs the server about the execution of the second payment phase and sends information about the created transaction and other payment information to the server for review.

After completing the transaction, the contract informs the server and the client and sends the transaction information to both parties for review. The client and the server independently receive the relevant information from the contract for review and verification. The client then sends the collected information to the server for review. After verifying the payment information, the server sends the information received from the blockchain to the client.

The client, after reviewing and comparing the information, if correct, informs the server to confirm the transaction. The server, after final review and scrutiny, sends the result of the transaction to the client and informs the user of the result. Explanation

The payment process in D-pay consists of two phases: the first phase is the authorization phase, and the second phase is the payment phase. In the authorization phase, the user authorizes the contract to withdraw the tokens from their wallet. The contract then sends a transaction to the blockchain to withdraw the tokens.

In the payment phase, the user confirms the transaction. The client then sends a transaction to the blockchain to send the tokens to the merchant. The server is responsible for verifying the transactions and ensuring that they are valid. The server also sends the transaction information to the user and the merchant.

The token factory is a function in the main contract. This function is used to create tokens with very low network fees. This function uses the Clone Factory pattern as follows: a base token is created and placed on the network by us, and the factory function creates very small contracts that have the task of executing the main token functions using the Delegatecall upcode, and the related variables are stored in the newly created small contract. As a result, the cost of creating a contract is simply reduced to creating a small contract.

The user creates a small contract with Delegatecall capability by executing the function to create a token, and an address of the token is returned to him and stored in the main contract. From now on, any user who wants to interact with the token requests to execute a function to the address returned in the previous step. This function sends the request to the base token contract as a proxy and executes the code in the base contract. Then the result and the changed variables in the initial contract created by the user are returned and applied, and in this way the user will have a token at a very low cost.

In this section, the streamer fan, after clicking on the link to support the streamer, enters the donation page for the streamer. As soon as you enter this page, if the streamer has previously created a fan token for his users and has charged and configured his fan token in the store for this financial page, the token information and token payment terms that have been applied by the streamer are retrieved from the blockchain. Then, in this page, you can enter your details if necessary or if it is mandatory from the streamer to pay for financial support.
Also, as soon as the amount of financial support is entered, the number of tokens received, which is produced by the streamer in the token factory section and is set in the donation page settings, is calculated and displayed on the page.
After completing all the items, the user enters the gateway page. In the gateway page, all the necessary checks that were mentioned earlier are performed, and after completing all the payment steps and completing the payment and the payment confirmation from the blockchain, a request is sent to the online streaming page of the streamer.
According to the settings that the streamer has done for his online streaming page, the settings are recalled and the request to run the video and / or audio set in the streamer's system, which is identified by the D-pay file-sharing software, is executed and the video and / or audio is played in the streamer's system. which is online and with the settings made on the site by the streamer.

Marketplace section for streamers

This section gives value to each streamer's tokens based on a flexible weighting system, which estimates the competitive value for each streamer's fan token and ranks it in the market. This rank depends on many factors to get the intrinsic value for that token. In this weighting, factors such as the number of token holders, the number of token transactions, the volume of token transactions, the total volume of investment in the token, the total number of fans who have bought the token, the number of loyal people, the cluster of fans, the number of fan clusters that have been created, and other factors have an impact. Token Value = w1 * Number of Holders + w2 * Number of Transactions + w3 * Transaction Volume + w4 * Total Capital Invested + w5 * Number of Fans + w6 * Number of Loyal Supporters + w7 * Number of Fan Clusters + ...

Contract signing section between freelancer and employer

In this system, users, including freelancers and employers, can get to know each other on social media and reach an agreement on the project. Then, they can enter the D-pay platform and ecosystem to sign the contract.

The D-pay contract signing ecosystem works on three layers:

Layer 1: This layer is for communication between freelancers and employers and creating a user account in the system. Users can also choose to complete their identity information in this layer. In this layer, all identity information of users is reviewed and verified. User history information and reports are also displayed to the user, who can be a freelancer or an employer.

Layer 2: This layer is for reviewing and signing the contract. In this layer, communication is between the server and the blockchain. Users can set the main terms of the project for each other. A copy of the contract and its sections is stored in the system for editing. Finally, the contract is entered into the blockchain for registration and finalization. This ecosystem works on the Binance Smart Chain network.

Layer 3: After the smart contract is placed on the blockchain, the contract starts operating automatically. Freelancers and employers can communicate with each other about the project stages in messaging systems or social media. If a freelancer completes a section of the project, they can send a request for payment and completion of that section to the employer. When the request is sent, the timer for the freelancer to complete the project is paused until the employer confirms the status. If the employer confirms, the amount of that section of the project is deducted from the contract and deposited into the freelancer's account. If the work is not approved, the timer for that section of the freelancer starts counting again. If the project deadline is exceeded, a penalty fee will be calculated for the freelancer. If the freelancer is also dissatisfied with the employer's request, they can request a consensus.

Consensus request fee is paid by the freelancer. The freelancer can also determine how many people should participate in the consensus. The number of consensus participants must be such that there is no tie in the votes.

Rating system for votes

In this system, freelancers and employers are given a rating based on their records. This rating affects the value of their votes. People with a positive track record also receive a higher reward for participating in consensus and voting. This system is based on the ratio of completed projects, along with project records, reciprocal votes, and other factors.

Score = w1 * S + w2 * P + w3 * R + w4 * O1 + w5 * O2 + ..

Token architecture

Token transaction fees

The token is on the Binance Smart Chain network, and all transaction fees for token transfer are paid in BNB. In all cases where our token is used, there must be BNB, the native token of the network.

With the addition of Permission, the token will have the ability for users to make transactions to transfer this token without having to pay network fees.
The way it works is that the user who has the token but does not have the native currency of the network signs a message with a specific format that includes sender information, recipient, amount sent, and the expiration date of this message with their private key.
This message is then sent to someone who has the native currency of the network. The person who receives the message can then execute the relevant function in the token contract and enter the signed message from the first user to send the amount requested by the first user to the intended destination.
In this way, the first user can make a transaction to send the token with a mediator and completely securely without having to pay any network fees with the native currency of the network.
Special feature: A function with a special feature has been created in the token. Since our platform is a very dynamic platform and new features are constantly being added to it, we have created a special feature for users who use our token to use the features of our platform. In the normal case, the user had to first execute the approve function and then the transferfrom function in the contract for any token payment to work with the contract.
However, in this feature, the user only needs to execute one function to execute the approved and trusted functions developed by our platform, and the other functions are performed and executed in a chain.
The user does not need to execute two separate functions. With the execution of this function, the token is sent directly from the user's account to the recipient's account and then the user's required functions are executed. The executable functions have been secured on both sides by us and users can easily use these functions.

Staking system architecture

1. This plan is based on annual staking (each asset can be staked for one year) and after one year, the project token is released to the user.

2. The maximum staking pool should not be more than 10% of the total volume of tokens, and when it exceeds 10% of the tokens, the new staking system is closed until one year has passed and from the first request after the staking is opened, the possibility of new staking is created in proportion to the percentage of the pool that has opened (this 10% system is variable).

This plan is based on annual staking (each asset can be staked for one year) and after one year, the project token is released to the user.

3.Each person can make a new stake until the pool is full, and when a new stake is made, the staking time is calculated from that moment for one year (365 days) and is not added to the available asset, but is considered a separate asset.

4. Staking profit is paid every 30 days and in the form of Tether currency on the Binance Smart Chain network, and the amount of profit is calculated at 3.7% Tether from the initial value of our token. This 3.7% can be withdrawn at any time (there is the possibility of changing the profit percentage for new plans in this smart contract). There is also the possibility of adding a new package.

5. The profit withdrawal system also allows users to withdraw profit at any time.

6. There is also the possibility of displaying the user's profit in real time on the site.

7. The user can see the total volume of direct and compound profit separately and review it.

8. The minimum staking is $100.

9. There is also a withdrawal fee for the withdrawal system (1 fixed dollar).

10. This system has a referral feature as well.

a. At the time of staking, the user can enter the address of their referral wallet. If the referral is one of the people who have staked in our system, the profit is 5% of the direct profit and 8% of the 30-day profit. This profit is calculated in real time and is available for withdrawal to the user.

Economics and project economy

Token distribution and supply system

1. 1% is allocated for early project investors prior to project introduction in IEO

2. 8.5% of the tokens will be offered during the IEO

3. 11% technical and development team based on the amount of profit from the project, up to 3% per year, and in the third year, 2% of the development team is available to release tokens.

4. 2.5% reward for good ideas that contribute to the development of the project

4. 15% investors

5. 30% airdrop (reward for 100 transactions in the portal) This 30% will be given to those who have made 100 transactions in the D-pay portal and to the stores that have reached 100 transactions with our portal. The amount of airdrop will also be equivalent to 100 dollars of our token at the time the store and or buyer reaches this condition.

6. 15% for staking profit (* Note in the staking section, the total stake should not be more than 10% of the total tokens) and the profit given to users for staking will be from this 15% of the total tokens. This 15% will be implemented after the end of the initial plan a. After all of this staking profit (staking is used for voting in governance in the governance and management section of the metaverse), there will be a need for staking, which will be the percentage of staking at that time. From the total tokens, they have the possibility of staking in this governance. development of the project

7.15% will be released over 5 years, with 3% of these percentages being released annually for project development costs. This 15% will also be based on the amount of profit generated by the project.

8. 1% reward for streamers, which will also be in stages and based on the holding of different challenges

9. 1% for charity

Methods and markets for token consumption

1. The payment tool in the gateway, such as stable coins. Users can utilize the D-payG token for their payments within the gateway.

a. If the user pays with D-payG tokens, the gateway fee is zero.

2. In the section of creating support tokens and NFTs, the cost of creating a token must be paid with D-payG. The cost is fixed at $50 and the equivalent of this $50 is received from D-payG.

a. 50% of the payment cost is burned, 10% of the remaining tokens are allocated to the pool for rewarding users, and the rest goes to the project account. And from this 10%, it is placed in the pool and given to all those who created their fan tokens in a lottery and will also be held every three months.

3. For those who donate to streamers with D-payG, 20% of the income of the portal in the streaming section is given to these people in a redistribution system. This period is also three months. In the airdrop section, 100 tokens are given to those who have a Twitch account for entering their email and Twitch ID.

4. Everyone in voting and competitions between streamers must have D-payG tokens and the more D-payG tokens they have, the more valuable their vote is.

5. In the section of converting streamers' tokens to each other and also converting tokens to NFTs, the conversion fee is also paid from D-payG tokens. 50 cents for conversion fee (which is from D-payG tokens)

6. Live participation and purchase of live accounts based on web 3 and also purchase of live streaming features and or training courses are done with D-payG tokens. In the future, a 3D live streaming system will also be added.

7. For those who donate to streamers with D-payG, 20% of the income of The cost of the system for creating a dedicated page for streamers and its special features (graphic design) is also done with D-payG tokens.

8. Metaverse streamers (to buy land in this metaverse and also to build in this metaverse, D-payG tokens are used) a. D-payG tokens are also used to sell tickets to the conferences of this metaverse.

9. To close the DAO contract between freelancers and employers, D-payG tokens are used. a. Also, if there is a problem between the employer and the freelancer that requires voting and governance, the reward for the people who vote is paid with D-payG tokens.

10. You must have D-payG to send suggestions and comments, the minimum token that you must have (equivalent to 10 dollars)

11. Marketplace system

a. The cost of multiple product plans and advertising systems is paid with D-payG tokens (the ability to merge between streamer and market) b. The fee for statistical systems is paid with D-payG tokens

12. Book, article, and newspaper subscription system is also done with D-payG tokens

a. The cost of these subscriptions is paid with D-payG tokens b. The cost of converting articles to NFTs is also paid with D-payG tokens

13. Use in the DEX section

a. Reducing conversion fees (change and bridge) if using D-payG tokens

b.Token uses (token consumption cases)

Token Use Cases

1. Creating tokens and creating NFTs for streamers

2. Paying for gateway fees and (payment tool (an option in the gateway that they can use to pay for fees in the gateway))

3.For rewarding in return for payment (for the redistribution system)

4. In voting

a. sending comments

b.metaverse governance

c. To reach a consensus in the freelancer and employer section

5. Purchase of account

a. Purchase of live account participation

b.Purchase of training course display account

c. Purchase of marketplace account

d.Purchase of newspaper and article account

e. Purchase of tickets to metaverse conferences

f. Account design page account fees

g.Purchase of statistical subscription accounts

Payment token for marketplace

Payment token for streamers

6. Buying metaverse land

7. Creating contracts between streamers and freelancers

8. Use in the DEX section

a.Reducing payment costs

b.swaping

c.bridging

c.staking and earning profit

9. For participating in lotteries

10. For participating in competitions

11. Development plan

Market development roadmap for the store section

1. CRM system

2. Receiving a reward for the first 100 transactions a. Based on the sales volume of each gateway, after 100 transactions, we will airdrop a percentage of our token to them (half the transaction cost) i. After 10,000 users use the gateway, the airdrop will be made (each user must have at least 100 transactions)

3. Single-level referral system, 8% of gateway revenue

4. POS machine a. NFC system b. Physical gateway

5. Payment system with TON and Telegram wallet a. Reporting and CRM system

6.Marketplace system a. Marketplace reporting system b. Shopify implementation in D-pay c. Wallet reporting and best-selling (from other stores (source of income))

7.Subscription system for articles and newspapers a. Article to NFT conversion system

Streamer section

1.Live streaming system in the Web 3 format a. For streamers b. For training courses

2.Conversion of tokens to each other for streamers a. DEX for streamers and their tokens

3.CoinMarketCap system for streamers

4.Putting money in a pool and participating in a competition for streamers

5.Token to NFT conversion system for streamers

6.NFT creation system for streamers

7.Valuing streamer points on Twitch and exchanging them for streamer tokens

8.System for creating a dedicated page for streamers (graphic design page system) a. This system is also used to create NFTs

9.Metaverse for streamers (ability to participate with 3D glasses) a. Ability to buy and sell land b. Ability to hold conferences and competitions for streamers (with the ability to verify with token or NFT) c. Ability to be developed by other designers and to enter into a DAO contract between streamer and designers d. Ability to rent environments

Other development plans section

1. Trading system between freelancers and employers

a.Ability to sign a contract based on DAO

b.Ability to resolve disputes between the parties in the DAO system through a consensus

2. Dedicated DEX system

a.Swap system

b.Bridge system

c.Support for multi network

d.Staking system

e.Routing system

Community development program

Airdrop

Invitation to cooperation from streamers and online stores with advertising campaigns

Challenges for streamers and stores

Incentives for freelancers and employers

Airdrops for streamers and streamer supporters

Incentives in the freelancer and employer consensus ecosystem

Security and trust

D-Pay is a fully decentralized system based on smart contracts. In the D-Pay ecosystem, we have focused on the decentralized structure and security. We have done a lot of system reviews and implementations in important areas such as the accuracy and confidentiality of user information, in addition to the preservation of user funds. In D-Pay, we have tried our best to implement the system based on trust and decentralization.

For this reason, in D-Pay, all development and software testing for application development in different phases are performed separately by experts in each field to test the trust of the correct implementation of the platform.

It is worth mentioning that the D-Pay platform uses a fully modular structure based on the latest software development and security technologies. For this reason, we are trying to keep up with the latest technologies in the development of D-Pay.

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