NEARer Wallet dApp
This is all about the creation of a Wallet that will allow us to ease adoption
A Decentralized Wallet that will provide the P2P features of Centralized Wallets like Binance P2P Wallet, Crypto Swap will not be a part of the Wallet, you will be able to do Crypto Swap with another services online that are available already.
Possible Partners
I contact the Minerall Guild and I share with Igor Stadnyk the project. We are already in conversations on a Telegram Group created only for this purpose.
Update 30/11/2021
We have a budget now !
From the Minerall Guild
@jedimindtricks
Issue & Solution
It is hard for people to swap their FIAT with CRYPTO, also REF Finance has low liquidity.
This P2P feature will ease the process where people come into crypto, will help them in daily basis sending money/remittances and NEAR protocol will get a lot of transactions and volume helping REF Finance with liquidity from investors that will come with the mass adoption.
User Experience
- User will go to wallet.near.org
- Then, click on “P2P” going to the Offers. It is a search for offers of FIAT vs CRYPTO
- Click on an offer
- The offer shows all the information needed for transfering money
- FIAT sender go first and click: DONE.
- FIAT receiver click: RELEASE.
- DEX P2P FIAT vs CRYPTO is complete
Later, users will send STABLECOIN in daily basis and there will be no need for FIAT.
Views
To see it all click on Figma:
https://www.figma.com/file/A9btTzPKN157c6scI90I89/dApp-Home-Wallet-(Copy)
- Homepage with P2P button & DEX. DEX will be a link to another dapp for crypto swap and P2P is the new feature we have to work on.
- P2P offers. Here is where people can choose how to exchange their FIAT with NEAR
Update
Today 04/07/2021 after a lot of good feedback we start working further on the proposal, this is going to kickoff 
http://gov.near.org/t/proposal-mineria-virtual-kickoff-budget-p2p-ux-ui-education/
Players:
- Users: People that will buy and sell clicking on the offers.
- Merchants: Traders that will provide liquidity, they will setup the offers.
- Moderators: Community members that will solve disputes and in general they will keep on track the growth of the dApp.
Requirements:
- Users will need to froze their funds in order to use the dApp and exchange.
5 NEAR locked to get permisson for exchange up to $100 per trade
10 NEAR locked to get permisson for exchange up to $250 per trade
100 NEAR locked to get permisson for exchange up to $5000 per trade
500 NEAR locked to get per get permisson for exchange up to $50,000 per trade
- Traders/Merchants will need to be approved and froze 500 NEAR in order to setup offers.
Funds in the warrant:
Buyers and sellers will be asked to have a minimum amount of tokens in a warrant to take or make an offer.
This warrant will be blocked accordingly to the size of the trade and will be used to settle disputes whenever is an issue with a trade, the party that loses the dispute will pay the warrant.
When there is a dispute a moderator will solve the dispute asking for proof of payment and documentation, the locked NEAR of the users that try to scam or go agains the rules will go to the dApp funds to be distributed between the team (moderators/developers/marketing/others)
- Moderators will be choosen by the community, they will be the trusted members that will run the DAO on the sputnik DAO for the dApp funds
VIEWS UPDATED (users)
- dApp HOME - WALLET
Top menu: P2P - Express
A button for Sign In so the user can lock an amount of NEAR
User symbol with dropdown list: button for Configurations + Security + Identification
User Wallet, here is where the user can access to the P2P TRADING clicking on P2P
Here the user see the portfolio: Coin / Available assets / Frozen / Total assets / Action
Action buttons: Send / Receive
- P2P (trading/market/offers)
Top menu: Wallet - Express - - - - - - - My ads (only for merchants) - Orders - More
More: Post new add (for merchants) - Become a merchant (for users) - Tutorial - FAQ
This is where user can search for offers:
selecting the token they will exchange
$NEAR $USDT $BANANA $BEER $BTC $ETH
selecting the Payment method
International Wire (SWIFT)
National Bank Transfer
SEPA TRANSFER (EU)
Transfers with specific bank
Zelle
CBU (ARG)
RUT (CL)
Pago Movil (VE)
- A
AirTM
Apple Pay
Advcash
ABN AMRO
ArCA
ArmEconomBank
Altyn Bank
A-Bank
Alipay
ArmBusinessBank
Ameriabank
Ak Bars Bank
Absolut Bank
ABA Bank
Alfa-bank - B
Banesco
Bancolombia S.A
Banesco Panama
BBVA
Bank of America
Banco Santander
BOD Banco Occidental de Descuento
Banco de Venezuela
Banco Brubank
Bank of Georgia
BRD Bank
Banco Economico
Banco de Credito
Banco Falabella
BAC Costa Rica
Banco Nacional de Bolivia
Banco Mercantil Santa Cruz
Banco Familiar
Banco Atlas
Bank Pivdenny
bKash
BCEL
BCS Bank
Bank Saint-Petersburg
Bank Jago
Banco Agricola SV
Banco Promerica SV
Blik
BCA Mobile
Bakong
Bank of the Philippine Islands
Banco De Oro BDO
Bundle
Bank slip
BMO
Banco de Bogota
Banco General Panama
Banistmo Panama
Banco Pichincha
Banco Guayaquil
Bancamiga
Banco Ganadero
Banco Union
Banco Estado
Banco Fassil
Banco Itau Paraguay
Banco Continental Paraguay
Banco de Chile
Banco GNB Paraguay
Banco de la republica de Uruguay
Banco Central de Uruguay
BAC Credomatic
BNP Paribas
Bandes Uruguay - C
Citibank
Cash app
Cash in Person
Cash Deposit
CEC
Coinpay
Credit Europe Bank (Russia)
CIMB Niaga
Chipper Cash
Coins.ph
CIBC
Credit Bank of Moscow
CashU
Credi Agricole
Caisse d’Epargne
CenterCredit Bank - D
Davivienda S.A
DANA
DCBank
Daviplata - E
Eurasian Bank
Esewa
EasyPay
Easypaisa-PK
EQ Bank
Efecty - F
Facebank
Flip
Forward Bank
Faster Payment System (FPS)
FNB-ewallet
ForteBank
Fio banka - G
Google Pay
GEO Pay
Garanti
GoPay
Gcash
GoMOney
Gazprombank - H
Home Credit Bank (Russia)
Halyk Bank
Home Credit Kazakhstan - I
Itaú
ING
Inecobank
Idram
Interfisa Banco
Idea Bank
Interac e-Transfer
IMPS
Interbank
Intesa Sanpaolo - J
Jysan Bank
Jazzcash
Jenius PayMe
JKOPAY - K
KredoBank
Khalti
KBZPay
Kuveyt Turk
Khalti
Kaspi Bank - L
LendMN
Lemon Cash
LinkAja
Landbank of the Philippines
LINE Pay
LCL
La Banque postale
Lloyds Bank - M
Moneygram
Mercantil
Mercantil Panama
Mony
Mercadopago
Mandiri Pay
Metropolitan Bank of the Philippines
M-PESA Kenya (Safaricom)
M-pesa Paybill
Mir
MTS-Bank
Monobank
Movii
mBank
MONETA Money Bank - N
N26
Nurbank
Nagad
NETELLER
Nequi - O
Oy!
OCBC NISP
OVO
Oschadbank
Otkritie
OTP
OXXO - P
Pipol Pay
Provincial
Pago Movil
Produbanco
Paysera
PKO Bank
Pravex Bank
Permata Me
Paytm
PhonePe
PayMe
Papara
Perfect Money
PicPay
Payeer
Paylah
PayNow
PagSeguro
Paymaya
Post Bank
Privat Bank
PUMB
Prex
Plin
Paynet
Pix
Payall
Paysend.com - Q
QIWI - R
Revolut
RUB fiat balance
Raiffeisen Bank Aval
Rocket
Renaissance Credit Bank
RNCB Bank
Rizal Commercial Banking Corp
RBC Royal Bank
Raiffeisenbank
Rosbank
Russian Standard Bank
Rosselkhozbank
Rocketbank - S
Santander
Skrill
Scotiabank
SuperUp
SettlePay
Silvergate Bank
Sportbank
Sinarmas
Sberbank
SBP - Fast Bank Transfer
Sovkombank
STP
Societe Generale
ShopeePay-SEA
Shopee (Taiwan) - T
Transferwise
TD Bank
TBC Bank
Terabank
Tascombank
True Money
Touch n Go
Tangerine bank
Tinkoff
Trust
Tigo Money - U
Uphold
UAH fiat balance
Ukrsibbank
Uralsib Bank
UPI
Upaisa
UnionBank of the Philippines
UniCredit
Uala - V
Venmo
ViettelPay
Vision Banco
Vostochny Bank
Vodafone cash
VTB Bank - W
Western Union
Wing Cambodia
WorldRemit
WavePay - Y
Yandex.Money
Yap! (BNI)
Yape - Z
ZaloPay
Ziraat
selecting the FIAT currency
This will be the most important:
VES - Venezuela
USD - United States
EUR - Euro
ARS - Argentina
COL - Colombia
PEN - Peru
CLP - Chile
RUB - Russia
Here a list of world currencies: https://www.countries-ofthe-world.com/world-currencies.html
- SIGN IN
Here is were the user allow the p2p dapp to lock and transfer the tokens
- NEAR ON WARRANT
Here is were the user will choose how many NEARs to be locked or ask to be a Trader/Merchant
Once the user sign out the NEARs are freed
- SELL / BUY ACTION
By clicking sell or buy of any offer. Here the user will see the “Terms and conditions” of this offer ( Payment Time Limit / Available / Method / Text )
- Here is when the user will set how much is going to be exchanged (between the minimun and maximun amount on the volume conditions of the offer)
User will get a calculation of how much he will receive and will confirm ( Sell or Buy button)
Error messages:
- Amount exceed the volume of the offer
- Amount is less than the minimun
- Upgrade your funds in warrant
- EXCHANGE CHAT
Here is where the seller and the buyer will exchange words to execute and confirm payment
Information displayed: Fiat Amount - Rate - Crypto Amount
There will be a Cancel and a Payment done buttons in the case of the buyer of crypto
There will be a button for Payment received in the case of the seller of the crypto
There will be a button for Dispute in case there is a problem (can only be clicked after the TIME LIMIT expires)
- EXPRESS - SEND
- Receiver: (fill with address: receiver222.near )
- Coin: Choose one of the Tokens
- Amount
- Note (optional) (0/30 characters)
Confirm Button
- EXPRESS - RECEIVE
QR code to do a Scan
Send invite to: (fill with email) Send invite
Invite Activity button
- EXPRESS - HISTORY
Here we have the information of every express transaction
Account: merchant222.near
Type: send / receive
Quantity: $5
Coin: USDT
Time: 2021-07-03 17:40:45
Note: Beers Payment
Status:
Action: Capture (button)
- EXPRESS - Capture
Back Symbol Button → History
This is for people to download a screenshot as proof of payment
Download button
- INVITE ACTIVITY
Here we can see the users we invite or the pending invitations
- ORDERS
Here we see the history of P2P trading orders
Top menu: Back Button (symbol) → Wallet
Top menu: All - Unpaid - Paid- Appeal Pending - Completed
Sell / Buy Token → Sell BTC
Rate → $35,000 USD/BTC
Received → $93.83 USD
Gived → 0.00268 BTC
Payment Method → ZELLE
Status → Completed
MERCHANT VIEWS
- Post New Add
Top menu: Wallet - P2P - Express - - - - - - My ads (only for merchants) - Orders - More
Here the merchant will choose Asset (crypto) and Fiat (local currency)
- Will choose between BUY or SELL
- Will choose Asset to be bought or sold
- Setup price/rate (fixed) - next version could be use a floating price -
- Setup Total Amount (when is selling this amount will be frozen)
- Order Limit: minimun and maximun amount for each trade
- Will choose a payment method
- Payment Time Limit ( 15 min, 30 min, 45 min, 1 hr, 2 hr, 3 hr, 4 hr, 5 hr, 6 hr, 1 day, 3 days, 1 week) Note: users/traders can only dispute after this time expires.
- Will setup terms and conditions message
- Will setup first automatic message for the user to be received on chat when a trade is opened
- Check box: Accept only customers with KYC process approved
- My ads
Top menu: Wallet - P2P - Express - - - - - - My ads (only for merchants) - Orders - More
Here a list of the ads of the merchant with the following information:
- Type: SELL or BUY
- Assets: USDT / USD
- Total Amount Pending: $5,800 (this is what is left to trade according to Total Amount (frozed if it is a selling of crypto)
- Completed Trade (all time): $3,861.37
- Limit: minimun - maxium → $20 - $15,000 USDT
- Payment Method: Zelle
- Last Updated: 2021-06-21 08:50:13
- Create Time: 2021-04-11 04:25:38
- Status: Offline / Active
- Actions: Enable/Disable - Edit - Delete (icons)
- Edit Ad
Top menu: Wallet - P2P - Express - - - - - - My ads (only for merchants) - Orders - More
The same as Post new Ad, but SELL/BUY/TOKENS/CURRENCY can not be changed
- Configuration + Identification
Configuration
Dark / Light mode
Tokens on warrant: 5 NEAR (dropdown list) 5 - 10 - 100 -500
Country: Venezuela (dropdown list)
Preferred Cryptocurrency: USDT (dropdown list)
Preferred FIAT Currency: VES (dropdown list)
Save button (selection action)
Identification
ID: attach file
ID + selfie: attach file
Twitter:
Instagram:
Linkedin:
Telegram:
Email:
Phone number:
Moderator Views
- Moderator Home
Top menu: Appeals Pending - Appeals Solved - KYC Pending - KYC Approved - Users
Moderator User Symbol → dropdown menu: Configuration + History
Search by user: merchant222.near
Search by trade number: 5465065460
Search by date: 05/07/2021
Search by currency: dropdown list
Search by cryptocurrency: dropdown list
Order by:
Recent: New or Last first
Amount: Lower or Major
Response: Done or Pending
Appealed: by Merchant or by Customer
List of appeals ordered by last response from Moderator:
- Type: Appealed by Merchant / Appealed by Customer
- Fiat Asset: USD
- Amount Frozen: $50 USDT
- Payment Method: Zelle
- Last Response: 2021-06-21 08:50:13
- Create Time: 2021-04-11 04:25:38
- Status: Pending / Solved
- Merchant: merchant222.near ← button
- User: user111.near ← button
- Actions: Chat button - Release to Merchant - Release to Customer
- Merchant / User history
Here the moderator will see the information of the Merchant / User
Identification
ID: download attached file
ID + selfie: download attached file
Twitter: @FritzWG
Instagram: @fritzmwagner
Linkedin: linkedin.com/in/fritz-m-wagner
Telegram: @fritzwagner
Email: fritzmwagner@gmail.com
Phone number: Noup =) +58 416-1114444
Orders list (this will show a list like the Orders View)
- KYC Pending / Approved
This will be a list of KYC approval request, a list of users by country
Action: Approve or Deny
