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PactPay

Trustless escrow payments powered by Solana smart contracts.

PactPay is a decentralized escrow platform that enables buyers and sellers to transact securely without relying on a traditional intermediary. Funds are held in a Solana smart contract and released only when predefined conditions are met, reducing fraud and increasing trust for peer-to-peer commerce.

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The Problem

Online transactions between strangers often require trust.

• Buyers risk paying for goods or services that are never delivered.
• Sellers risk delivering products without receiving payment.
• Traditional escrow services are expensive, centralized, and often slow.

PactPay solves this by replacing trust with programmable smart contracts.

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The Solution

PactPay combines a modern web application with Solana smart contracts to provide secure escrow payments.

How it works

1. A seller creates a payment request.
2. The buyer pays the requested amount.
3. Funds are locked securely in escrow.
4. The seller delivers the product or service.
5. The buyer confirms delivery.
6. The escrow smart contract releases the funds to the seller.
7. If a dispute occurs, an administrator can resolve it according to platform policies.

Every escrow transaction is transparent, verifiable, and enforced by smart contract logic.

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Features

• Secure on-chain escrow
• Solana smart contract integration
• USDC settlement
• NGN to USDC conversion
• Paystack fiat payment integration
• Payment request generation
• Buyer and seller workflow
• Escrow release
• Refund support
• Dispute handling
• Responsive web interface

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Technology Stack

Frontend

• Next.js 14
• React
• TypeScript
• Tailwind CSS

Backend

• Next.js API Routes
• Prisma ORM
• PostgreSQL (Neon)

Blockchain

• Solana
• Anchor Program
• @solana/web3.js
• SPL Token Program

Payments

• Paystack

Deployment

• Render

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Architecture

Buyer
   │
   ▼
PactPay Web App
   │
   ├── Paystack Payment
   │
   ├── PostgreSQL Database
   │
   └── Solana Smart Contract
            │
            ▼
        Escrow Vault
            │
            ▼
      Seller receives USDC

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Live Demo

Application

https://pactpay.onrender.com

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GitHub Repository

https://github.com/Novara701/pactpay

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Solana Program

Program ID

CTmWGn7wTnY7zXb3DaBavqdDdyaXVdWvsZ9Lck7nm3NU

Network

Devnet

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Local Development

Clone the repository

git clone https://github.com/Novara701/pactpay.git

Install dependencies

npm install

Generate Prisma Client

npx prisma generate

Push the database schema

npx prisma db push

Run the application

npm run dev

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Environment Variables

Create a .env file containing the required configuration values such as:

• Database connection
• Paystack keys
• Solana RPC URL
• Program ID
• Admin wallet
• Application secrets

Sensitive credentials are intentionally excluded from this repository.

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Future Improvements

• Multi-signature dispute resolution
• Buyer reputation system
• Seller reputation system
• Multi-currency support
• NFT receipt generation
• Mobile application
• Wallet authentication
• On-chain dispute evidence

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Why Solana?

PactPay leverages Solana because it provides:

• High throughput
• Low transaction fees
• Fast settlement
• Excellent developer ecosystem
• Reliable smart contract execution

These characteristics make Solana an ideal blockchain for escrow payments.

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Team

Divine Ovbiosa

Founder & Developer

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License

This project was created for educational purposes and hackathon participation.

2c1f1ff (Update README)