Unipay is a financial technology project that aims to revolutionize the way on-chain assets are integrated into everyday payments. By allowing users to leverage their staked cryptocurrencies—such as ETH, SOL, and APT—Unipay enables individuals to obtain virtual credit cards and access credit lines simply by staking their assets. One of its innovative features is the "buy first, pay by stake (never)" option, which allows users to make purchases and potentially repay debts through staking and restaking, without the need for upfront repayments.

The project seeks to break down traditional credit barriers by offering trust-based, collateral-free lending solutions. By aggregating both on-chain and off-chain information, Unipay creates a seamless bridge between decentralized finance (DeFi) and traditional payment systems. Its mission is to ensure that every on-chain address has equal access to financial services, expanding financial inclusion and empowering users to maximize the potential of their digital assets.

Impact Goals:

Reshaping the Global Payment Ecosystem: Unipay aims to redefine transactions by integrating crypto utility with real-world access, making digital assets more usable in everyday life. Financial Inclusion: By offering collateral-free lending and easy access to credit, it seeks to empower underserved groups who may not have access to traditional banking services. Maximizing Asset Potential: Users can earn yields on their staked assets while using them for real-world transactions, effectively amplifying their financial growth. Accelerating Crypto Adoption: Through features like cashback, rewards, and seamless integration with merchants, Unipay promotes wider acceptance and use of cryptocurrencies in daily transactions. In summary, Unipay is building a bridge between decentralized finance and traditional payment systems to create a more inclusive, efficient, and accessible financial ecosystem for all.