PayVoice is a WhatsApp-native payment assistant that lets anyone send and manage USDC through simple chat today, with voice-ready flows as the next layer. No apps. No forms. Just a conversation backed by Circle on Arc.
Recognizes the caller, greets by name, and keeps context.
Auto-approves trusted transfers and enforces budgets.
Explains every block and keeps users in control.
1.7B adults are unbanked. Most financial apps assume literacy, smartphones, and time. WhatsApp already reaches 2B people. PayVoice turns that reach into text-first access to stable, borderless money while keeping voice on the roadmap.
Older adults, low-literacy users, and gig workers can transact by voice.
USDC on Arc settles in seconds, with transparent on-chain receipts.
Policies, daily limits, and trusted contacts keep every transfer safe.
Personalized greetings and context from Supabase user profiles.
Auto-approve thresholds and trusted contacts enable autonomy.
Daily/weekly limits keep spending safe without breaking the flow.
Spending analytics so users understand and plan their money.
Showcasing the WhatsApp chat flow, policy decisions, and Arc testnet confirmation. Replace the video URL below with your demo link when ready.
ElevenLabs Agents handles natural language processing and voice experimentation, while today’s production flow is chat-first. Circle’s ARC testnet powers USDC transfers. Supabase stores identity + policies. The backend is an Express API deployed on Vercel.
WhatsApp messages → Agent reasoning → PayVoice API tools → Circle transfer on Arc → confirmations back to WhatsApp. Voice is being layered in next.
Replace the link with your repo URL before launch.