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Product phases

PhaseStatusScope
Phase 1: Wallet & Payments FoundationCompleteMerchant wallet provisioning, testnet USDC setup, balance sync, basic deposit and transfer flow, transaction history, and webhook handling.
Phase 2: Payment MVPCompleteHosted payment intent, merchant payment link, customer testnet checkout, payment status tracking, and basic merchant dashboard.
Phase 3: Merchant ToolsIn progressInvoice creation, sending, and payment flow; refund support; transaction history; API key management; webhook subscriptions; developer quickstart docs.
Phase 4: Cross-chain & AutomationUpcomingCross-chain bridge, auto-convert, AI invoice reminders, fraud detection, bridge route optimization, and operational audit logs.
Phase 5: Public Testnet LaunchPlannedPublic testnet docs, sample apps, known limitations guide, and full feedback program.

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Future capabilities

FeatureDescriptionPhase
USDC yieldIdle USDC earns yield through integrated lending protocols.4
QR POS paymentsPhysical store checkout by QR scan.4
AI expense categoriesAgent tags transactions automatically for merchant accounting.3
Subscription engineRecurring billing with auto-charge for SaaS and subscription merchants.3
White-label SDKEmbed AbabilPay under your own brand — for fintechs and platforms.3
Carbon offsetOptional micro-donation per transaction for ESG-conscious merchants.4
Loyalty pointsConsumers earn fee-discount points for paying with AbabilPay.4
AI price recommendationsAgent suggests invoice pricing based on market and customer history.4

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One-line pitch

AbabilPay is Stripe for the crypto economy: USDC-native, multichain, low-volatility for merchants, and powered by an AI agent layer that automates payment operations.