# Basic Info
## Basic Info
$OYF is Decentralised payment gateway to foster payments ecosystem on Web3
***CA:*** 0xcbc3EBd5884BA3d0Cc4F5D4aB399D0AA9A3aED9B
***Community:***[***https://t.me/OYF\_io***](https://t.me/OYF_io)
***Buy $OYF on -*** [ https://oyf.io/pre-sale](< https://oyf.io/pre-sale>)
Introducing OYF : Revolutionizing Web 3 payments - Truly Decentralized
Test drive the Payment v1.1 with top 10 currencies supported: [$OYF Payments v1.1](https://t.me/@OYF)
Test drive the Payment Solution v1.1: Link [l](https://t.me/ChainSentinelBot)
No filter or censorship: [Decentralized](https://t.me/DecentralizedAIBot) Payments
All utilities are currently beta - Stable versions will be polished and announced when ready for release
**Mission**
The $OYF mission is simple: Empowering individuals and businesses with the freedom and ease of decentralized crypto payments.
**Vision**
Vision is to be the leading force in shaping a future where crypto payments are universally adopted, frictionless, and empower a new era of financial freedom.
**What else?**
OYF’s payment solution is a suite of own: from invoicing to managing payments on the go from your website, we are simplifying the way you manage payments.
$OYF is a Decentralized payment gateway designed to foster payments ecosystem on Web3. **Key Features:**
* Quick and secure transactions
* Real time settlement
* Support for multiple currencies.
* User-friendly interface
* Transaction tracking
* Anti-spam measure
* Invoicing
* Account Management
* Plug n Play APIs, easy to setup
# Key Objectives
## OYF - Truly Decentralized Crypto Payment Gateway
At OYF, we operate under the central philosophy of "Your Wallet, Your Keys". This encapsulates our commitment towards ensuring that users maintain full control and ownership of their crypto assets. No intermediaries, no playing around. You own your finance. Period.
1. **First of its Kind:** By paying only minimum subscriptions fees, businesses do not have to settle for giving custody of their funds to any 3rd party.
2. **ZERO COMISSION:** If we can’t have access to your funds, we can't deduct a commission, so it’s ZERO Commission!
3. **No KYC or Commitment:** Your wallet, your customer, who are we to intervene! Use it as much as you want, No Hussle Bussle! **Ready-to-use solutions**Account registration in less than a minute to start accepting payments, donations, mass payouts, and many other services instantly.
4. **Simplified Payments**: We aim to simplify the process of crypto payments. Our platform is designed to be intuitive and user-friendly, making it easy for individuals of all levels of crypto experience to transact with ease.
5. **No Intermediaries**: In line with our principle of "Your Wallet, Your Keys", we eliminate the need for intermediaries. Transactions are made directly between parties, ensuring full control and privacy.
6. **Direct Settlement**: We facilitate direct settlement of transactions, enhancing the speed and efficiency of financial exchanges on our platform.
7. **Plug N Play Model**: Our platform supports a plug n play model, making it easily adaptable and convenient for users. This ease of use is part of our commitment to promoting wider crypto adoption, in a truly decentralised manner.
8. **Adoption** : Our goal is to promote widespread adoption of crypto payments. We simplify the process, empower users, and support merchants with the tools needed to accept crypto payments, expanding their customer base and enhancing the acceptance of digital currencies in the mainstream economy.
In achieving these key objectives, we aspire to revolutionize the way people transact in today's digital age, making digital currencies a more prominent and trusted method of transaction.
# Problems and solutions
## Problem - Current Solutions
**Traditional Payment GatewaysChallenge**: Current payment gateways, both fiat and crypto, rely on a centralized, commission-based model, where intermediaries (banks or fintech companies) hold onto funds and deduct fees before releasing them to merchants.
**Delayed settlements:** Merchants may experience waiting periods of up to 7 days to receive funds, impacting cash flow and operational efficiency
**Lack of transparency:** The fee structure can be non-transparent, making it difficult for merchants to accurately predict and budget their costs.
**Limited control:** Merchants relinquish control of their funds during the processing period.**Statement**
**2: Peer-to-Peer Crypto TransactionsChallenge:** While offering a decentralized approach, peer-to-peer (P2P) crypto transactions often lack key features essential for businesses and customers
**Limited recordkeeping:** Transactions are not always recorded in merchants' systems, making it difficult to track sales, generate invoices, or manage their financial records effectively.
**Insecurity and complexity**: P2P transactions can be more susceptible to fraud and require users to navigate complex wallet-to-wallet transfers, potentially deterring customers due to a lack of trust and familiarity.
**Solution –** [**OYF.IO**](http://OYF.IO)
[Oyf.io](http://Oyf.io) bridges the gap in existing payment solutions for merchants and customers in the crypto space by:
**Eliminating commissions and delayed settlements**: Unlike traditional gateways, [oyf.io](http://oyf.io) operates on a subscription model, allowing for faster settlements and transparent pricing for merchants.
**Enhancing security and recordkeeping:** Compared to P2P transactions, [oyf.io](http://oyf.io) provides a secure platform where merchants can connect their wallets and generate invoices. This enables transparent recordkeeping and boosts customer confidence with official documentation.
**Simplifying the payment process:** [Oyf.io](http://Oyf.io) integrates with merchants' e-commerce platforms, allowing customers to seamlessly make payments directly without the complexity of P2P transfers. This streamlines the payment process for both parties.
\*\*Overall, [oyf.io](http://oyf.io) empowers merchants with:\*\*Faster settlements and cost-effective transactions through its subscription model.Enhanced security and recordkeeping capabilities for improved financial management.Integration with existing e-commerce platforms for seamless customer payments. Customers benefit from official invoices and booking confirmations, offering increased transparency and trust.A secure and familiar payment environment within established e-commerce platforms. By addressing the limitations of both traditional gateways and P2P solutions, [oyf.io](http://oyf.io) seeks to create a more efficient, secure, and user-friendly experience for both merchants and customers in the crypto payments landscape.
**Market Comparison**
Features
OYF.io
Other crypto payment Providers
P2P
3rd party Custody
NON
MUST
NON
Fees
0%
1% - 2.5%
0%
Payout
Instant
2-3 days
Instant
Payment link
Available
Available
NONE
Recurring payments
Available
Non
NONE
Refund Option
Available
NON
NONE
KYC
Not required
Required
NONE
E-commerce Solutions
Available
Available
NONE
E-commerce APIs
Available
Available
NONE
Hidden Fees
NONE
Depends
NONE
# Tokenomics
**Token Details:**
**Name:** Own Your Finance
**Symbol:** $OYF
**Type:** ERC20
**Blockchain (First Phase):** Ethereum
**Distribution Plan:**
**Total Supply:** 100,000,000 OYF (100Mn)
Max Wallet - 2% Initially
**Overview**
The distribution of OYF ($OYF) is as follows:
Liquidity: 60%
Marketing: 10%
**Pre - Sale: 20%**
Team - 10%, 1 year locked.
**Unlocking mechanism and vesting schedule**
**1. Pre-sale - 20 Million $OYF**
Vested linearly, unlocking 20% of the allocation each week.
**2. Liquidity Pool - 60 Million $OYF**
60% unlocked on TGE, allocated to Uniswap liquidity.
**3. Marketing - 10 Million $OYF**
TBD
**4. Team - 10 Million $OYF**
10% allocation - 1 year cliff, 1% unlock per month for a total of 10 months.
**Taxes: 6% trades/transfers**
**Tax Breakdown:**
* 3% - Revshare
* 3% - Development/Operations
**Use Cases Within the Ecosystem:**
1. \*\*Revenue Share to Holders:\*\*Holders of $OYF tokens will receive a share of the project's revenue, creating a passive income stream for the community.
2. **Marketing: 10% of** $OYF will be utilized for marketing efforts, ensuring continued visibility and growth.
3. **Liquidity: 60**% of the token distribution is allocated for liquidity, providing stability to the $OYF market and facilitating smoother trading.
4. T\*\*eam Revenue:\*\*A portion of the distribution will be allocated to the team, ensuring sustained development and innovation.
5. **Utility Integration:**$OYF will serve as the utility token within the OYF ecosystem, providing access to various services and governance.
6.**Cross Chain Migrations:**$OYF will facilitate cross-chain migrations, enabling users to seamlessly migrate between different blockchain networks, thereby expanding the user base.
These use cases create a robust ecosystem around $OYF, ensuring its utility, value, and widespread adoption across various functionalities within the OYF project.
Rev-share Criteria & Eligibility:
**HOW IT WORKS?**
For every 12 hours you hold (at least 100k) $OYF you will be eligible for revenue share. You can only claim amounts above 0.1E to keep gas costs reasonable. You can claim in ETH or $OYF, claiming in $OYF does not charge the 6% tax. All claims in $OYF have been bought back on the open market.
***
**Claiming Information**
You must sign in with your wallet to claim. You may only claim once every 24 hours. If claims are congested or the price is volatile, your $OYF claim may fail. If this happens please try again later.
**Reward Forfeiture** If you sell or transfer over 250k $OYF you will forfeit the rewards for that epoch
If you sell or transfer your $OYF to a holding below 100k $OYF your entire accrued rev share will be forfeited.
# Resources
Metamask -
Wallet Connect -
# TG Communtiy Management
Telegram Checklist:
1. **Announcement Channel**: To inform members about important updates, such as pre-sale start/end times, token distribution, and project developments.
2. **Community Chat**: This chat is aimed for members to ask questions, discuss the project, and interact with each other.
3. **Rose Bot**: Rose Bot to manage the whitelist process efficiently. The bot can collect user information, verify participants, and engage with them. Feed all the pre-sale related info, from max allocation, to time, to tokens up for sale, to launch date, to every other detail. /filter everything.
4. **Raid Bot**: Shilling/Raid Gamification. Engagement based rewards, points viz tokens. Franqy bot to be used.
5. Filters - Set up quirky and catchy filters. Use cases to be tapped into - fun, quirky bites for engagement, Auto answer FAQs, resource bank etc.
6. Sticker Packs & Gifs - Customised brand swags.
7. **Admin Moderation**: 3 moderators to monitor the community chat round the clock - different time zones, to address user concerns, and enforce community guidelines to enforce disciplinary actions.
8. **FAQ and Resources**: Leverage pinned message with FAQs, project details, tokenomics, and useful resources to help educate community members.
9. **Token Distribution Schedule**: Clearly communicate the token distribution schedule, including pre-sale allocations, vesting periods (if any), and exchange listings. Automate this via a bot, pre-sale/launch pops timer etc
10. **Engagement Initiatives**: Plan engagement initiatives such as AMAs (Ask Me Anything) , every other week, once in TG, once on twitter - basically sessions with the project team, quizzes, contests, and airdrops to incentivize participation and foster community growth.
11. Customise Welcome Bot - with website link, Roadmap, Socials etc as buttons.
Use a positive and inclusive brand tone. Make users feel privileged and entitled to be part of the community.
Setup affiliate channels - 10% referral for referrer KOLs/ good callers etc.
PoA:
Create TG
Add Bots
Create Docs/FAQs around common pre sale/project questions
Commission sticker and GIF packs
Plan engagement initiatives
AMAs
Callers/Paid Shills to push the pre-sale, About 2e budget will be good to gain from popular gamble Channels. 200k+ reach
Referral:
5% referral for each successful referrer, total pool allocation from marketing 1% towards all engagement activities.
1Mn tokens to be split across:
1. Referral (500k)
2. Giveaway - socials , like , rt etc (50k, across 5 draws)
3. Thread Competition - 250k/500k
Use an automated mixer tool for fair pick.
Discord? TBD.
# Personal Brand - Twitter
Create logo/Catchy Profile
Run 10k→1 Mn public challenge
# TG - Bot
The TG bot will be a holding verified gated chat - X amount of tokens required to access the chat/bot & this will be verified via collabland - it basically verified
# Introduction
The API was designed for integration with the OYF Payment Gateway. The bird's eye view on the main API integration business process is straight-forward:
* You have to get the Supported currency, Which you have already linked your wallet with the OYF portal.
* After that make a payment request using currency uuid and other detail
* Check Order Status
In cases of prolongation, cancellation, or other order parameter change you have to make a new request about its new value by corresponding API request.
##
# Basic concepts
## Authentication
All requests must be authenticated.
In order to make an authenticated request, please include a header containing your token as follows: X-Authorization: YOUR\_TOKEN The token is provided to the user associated with the Partner. One user - one token.
To get a test account with an API token - please - contact the **** or contact the sales team.
## Permissions
Privileges are an internal mechanism for restricting user actions. The set of privileges is given to the user during account creation and determines the actions that he is allowed to do. In an integration context, you will only encounter privileges when you get a "permission denied" error.
## Requests
All requests should be made using the HTTPS protocol so that traffic is encrypted.
When passing parameters in a Post request, parameters must be passed as a form object containing attribute names and values as key-value pairs.
## Responses
All the responses will be JSON structures (Except file downloading). The API aim to conform to the Restful concept. All meaningful information is passed in the BODY of response. API only supports GET and Post requests.
## Getting the Currency
{% code lineNumbers="true" fullWidth="true" %}
```php
$apiURL = 'https://live.oyf.io/api/payment/get-currencies-list';
$secret_key = 'aij3vg2bmucgbzrkgzsfgkenaabhdf8be81mgzz7yj38787rav8ai';
$profile_id = 'c83821798-286c-0007-bb29-2ce849e0de10';
$curl = curl_init($apiURL);
curl_setopt($curl, CURLOPT_URL, $apiURL);
curl_setopt($curl, CURLOPT_POST, true);
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
$headers = array('Content-Type: application/json','X-Authorization:' . $secret_key);
curl_setopt($curl, CURLOPT_HTTPHEADER,$headers);
$data['profile_id'] = $profile_id;
$data= json_encode($data);
curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
$response = curl_exec($curl);
curl_close($curl);
echo $response;
```
{% endcode %}
## Response
## Response
```json
{
"_metadata": {
"outcome": "SUCCESS",
"outcomeCode": 200,
"numOfRecords": 1,
"message": "Invoice created successfully!."
"records": "https://portal.oyf.io/payment-page/gWqbhRMH1V4cNSDd8O92,"
"errors": []
}
```
# Get Invoice/Order Status
## CURL Request
{% code lineNumbers="true" fullWidth="true" %}
```php
$secret_key = 'aij3vg2bmucgbzrkgzsfgkenaabhdf8be81mgzz7yj38787rav8ai';
$profile_id = 'c83821798-286c-0007-bb29-2ce849e0de10';
$apiURL = 'https://live.oyf.io/api/payment/get-order-status';
$postInput = [
'trx_number' => 'TRX0283',
'cart_id' => '231123',
'profile_id' => $profile_id,
];
$curl = curl_init($apiURL);
curl_setopt($curl, CURLOPT_URL, $apiURL);
curl_setopt($curl, CURLOPT_POST, true);
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
$headers = array('Content-Type: application/json','X-Authorization:' . $secret_key);
curl_setopt($curl, CURLOPT_HTTPHEADER,$headers);
$data= json_encode($postInput);
curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
$response = curl_exec($curl);
curl_close($curl);
echo $response;
```
{% endcode %}
## Response
{% code fullWidth="true" %}
```json
{
"_metadata": {
"outcome": "SUCCESS",
"outcomeCode": 200,
"numOfRecords": 1,
"message": "Currency list"
"records": [
{
"return_url": "https://test.com/api/payment ",
"transection_hash":
"0x9231263dd800c51fb3a256eb213d8fd43b4b50974dc1b902f8493ea99fbab37e",
"logo": "https://dhsf9xmf10p0r.cloudfront.net/oyf/uploads/1684244567-Group%201000004067.png",
"cart_id": "756755768",
"invoice_price": "90.00",
"payment_status": "success",
"blockchain_link_with_transection_hash": "https://testnet.bscscan.com/tx/0x9231263dd800c51fb3a256eb213d8fd43b4b50974dc1b902f8493ea99fbab37e",
"paid_at": "2023-06-08 14:34:11",
"message": ""
},
"errors": []
}
```
{% endcode %}
# Merchant Signup
**Merchant Signup Guide**
Welcome to our platform! We're excited to have you join us as a merchant. Below is a step-by-step guide to help you complete the signup process smoothly:
**Provide Basic Information:-**
Enter your email address, password, and other required information to create your account.
**Verify Your Email**:-
Check your email inbox for a verification link and click on it to verify your email address. If you don't see the email, please check your spam or junk folder.
# Complete Business Profile
Click on "Setup your account" for the next screen.
**Complete Your Business Profile**
Fill out your profile details, including your business name, address, contact information, and any other required fields.
**Attach at least one Wallet**
Select Coin Network and enter your wallet address, Once you've completed all the steps, click on the "Next" or "Finish" button to submit your information and start using OFY.
# Wallet Management
We're excited to introduce our new feature for managing wallets on our platform! With this feature, you can easily add and manage multiple wallets for your convenience. Follow the steps below to add a new wallet:
**1- Login**: Log in to your account on our platform using your username and password.
**2- Navigate to Wallets**: Once logged in, navigate to the "Wallets" or "Manage Wallets" section of your account dashboard.
**3- Add New Wallet**: Click on the "Add New Wallet" or "Create Wallet" button to begin the process of adding a new wallet.
**4- Select Wallet Type**: Choose the type of wallet you want to add. We support various types of wallets, including Ethereum, Bitcoin, and more.
**5- Enter Wallet Details**: Enter the required details for the new wallet, such as the wallet name, wallet address, and any other relevant information.
**6- Verify and Save**: Review the information you've entered carefully to ensure accuracy. Once verified, click on the "Save" or "Add Wallet" button to save the new wallet to your account.
**7- Confirmation**: You'll receive a confirmation message indicating that the new wallet has been successfully added to your account.
After adding the new wallet, you can view and manage all your wallets from the "Wallets" section of your account dashboard. You can also edit or delete existing wallets as needed.