[IDEATION] Mineria-Virtual Guild: NEARer Wallet dApp

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

  1. User will go to wallet.near.org
  2. Then, click on “P2P” going to the Offers. It is a search for offers of FIAT vs CRYPTO
  3. Click on an offer
  4. The offer shows all the information needed for transfering money
  5. FIAT sender go first and click: DONE.
  6. FIAT receiver click: RELEASE.
  7. 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:

  1. 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.
Last version

  1. 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 :rocket:
https://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)

  1. 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

  1. 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: List of currencies of the world by countries and territories

  1. SIGN IN

Here is were the user allow the p2p dapp to lock and transfer the tokens

  1. 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

  1. 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
  1. 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)

  1. EXPRESS - SEND
  • Receiver: (fill with address: receiver222.near )
  • Coin: Choose one of the Tokens
  • Amount
  • Note (optional) (0/30 characters)

Confirm Button

  1. EXPRESS - RECEIVE

QR code to do a Scan

Send invite to: (fill with email) Send invite

Invite Activity button

  1. 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)

  1. EXPRESS - Capture

Back Symbol Button → History

This is for people to download a screenshot as proof of payment

Download button

  1. INVITE ACTIVITY

Here we can see the users we invite or the pending invitations

  1. 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

  1. 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
  1. 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)
  1. 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

  1. 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

  1. 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
  1. 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)

  1. KYC Pending / Approved

This will be a list of KYC approval request, a list of users by country
Action: Approve or Deny

2 Likes

This is very interesting, remembers me of hodlhodl and localbitcoins. How can we help from the NEAR Wallet side?

2 Likes

Hi @StefanoPepe ! Thanks for your interest. Hehe, Localbitcoins was my way in… into crypto yes!..
It was that or mining… Now we have more options… I mean you and me, the people who know about tech.

The issue is that right now, cryptos are being HODL, and that’s all, retailers are going crazy because BTC did a -50% hahaha but that’s all… EXCHANGES are the only case of use right now.

I thought, (because I live in a country where people really need a solution) in what blockchain technology from the hand of NEAR PROTOCOL could bring to the people… and people need it to be easy… Like Binance P2P, but decentralized so it is really reliable, it is really their wallet, because Binance and other exchanges have your keys, they have your money but a decentralized wallet is your real wallet…

That’s what we can offer, from NEAR to the World starting with developing countries that are open-minded to these products.

Again, people in Venezuela don’t have a real currency, the local currency is a failure (an economic + political failure) so here people are using ZELLE, but they can’t go to the USA when there is a problem and it is only the wealthier circle, people with resources that can resolve to have a USA BANK ACCOUNT… but I am talking about common people.

My team and I can give you the insights, UX/UI design, marketing, and financial operations for the P2P to have liquidity from the start.

And we will need help from you (The NEAR core team or ¿Minerall Guild? ) to develop this new feature. If you do so, we will have a real product to merchandise here, so people will have a bank account with currencies that works fine (stablecoin is needed) and it will be mainstream!

2 Likes

Hi @StefanoPepe, thanks for your interest in our proposal…

As @FritzWorm said, we believe that the NEAR technology will be a great tool to implement a much-needed solution for Venezuelan people, and if everything goes ok we have great plans for the future, and the scalability of this dapp proposal can be huge and easy to expand to other countries with hyperinflation economies.

:beers:

1 Like

I see now the thread above received substantial updates, with additional details on the use case and the interface.

Have you considered the creation of a stand-alone app that is independent of the wallet? It would make the platform more flexible and under your control, keeping the door open to additional wallets that may come in the future.

You can find some examples here: https://examples.near.org/
If you want to test by yourself how the NEAR Wallet login works, visit http://ref.finance/ and you will see how the apps can communicate after the login.

1 Like

Thanks @StefanoPepe !

Yes, we have the same idea, a stand-alone dapp, that’s why the third view - 3 - is about sign in like when you sign in on the berryclub:

We just wish to have the link from the Wallet to allow users go to p2p fast from wallet. Like the DEX button but P2P.

Regards :v:

Hi @FritzWorm - I made some small administrative changes so this is clear this is a brainstorming/ideation flow from your Mineria-Virtual Guild as a project you would like to undertake. Once a bit more consideration has been given to the legal aspects of this concept (which we discussed on our call earlier) then it would be great to see this updated as a more formalized proposal, reflecting the work you’ve done thus far and changes you’ve made since this was posted.

1 Like

Hello @mecsbecs

Update:

  • We are clear now with the Legal aspecs with several reunions with the Legal Guild

  • We have now the budget from the Minerall Guild

We are going to lead the project and merchandise it, but the Mineral Guild will be in charge of the decentralized application development

Please, let me know how can we proceed

As a NEAR MOD for one week, I am certain that this is a need we have in the community. Lot of users with issues because of CEX service was suspended for Near Network, and they need the CEX to buy NEAR with their FIAT money.

2 Likes

Bringing this to the Guilds team’s attention cc: @shreyas @Jessica @jcatnear

Excited to hear you did the NEAR mod immersion and that you’re seeing the connectivity between that work and your own projects @FritzWorm ! Stellar to see the growth here.

2 Likes

Hi @FritzWorm, glad to see your progress. Feel free to pick a time here and we can chat more: Calendly - Shreyas Narayanan Kutty

1 Like