Privacy-First Onchain Neobank with Authorization-Based Security

StyxPay is a next-generation decentralized banking platform built on Solana, offering programmable spending controls, virtual cards, and authorization-based security for digital assets.

StyxPay reimagines digital banking by combining the transparency of blockchain with the control of traditional banking. Our platform enables users to:

• Control Spending: Set daily and monthly limits with automatic enforcement
• Authorize Transactions: Create whitelist/blacklist policies for merchants and categories
• Virtual Cards: Generate unlimited virtual cards with individual spending controls
• Privacy First: Maintain complete control over your financial data
• Onchain Security: Leverage Solana's speed and security for all operations

Main Web Application • TypeScript • Next.js

The official landing page and web platform for StyxPay. Features include:

• Interactive product demos
• Authentication flows (sign-in/sign-up)
• Real-time system status dashboard
• Comprehensive feature documentation
• Responsive design with modern UI/UX

Tech Stack: Next.js 16, React 19, Tailwind CSS v4, shadcn/ui

Smart Contracts • Rust • Solana

Authorization-based onchain banking smart contracts built with Anchor for Solana.

Programs:

• Vault Program: Secure asset storage with programmable spending limits
• Authorization Program: Policy-based transaction validation
• Card Program: Virtual card creation and management

Key Features:

• Daily/monthly spending limits enforced on-chain
• Whitelist/blacklist merchant controls
• Emergency freeze functionality
• Two-factor authentication requirements
• Real-time transaction validation

Tech Stack: Rust, Anchor 0.29, Solana, SPL Token

Documentation • Markdown

Comprehensive documentation for the StyxPay platform covering:

Getting Started:

• Quick start guides
• Project overview
• Installation instructions

Technical Documentation:

• Solana program architecture
• Transaction settlement flows
• ZK proof system integration
• Technical architecture diagrams

API Reference:

• Smart contract API documentation
• Component integration guides
• SDK usage examples

Operations:

• Deployment guides
• Contributing guidelines
• Best practices

Visit styxpay.app to create your account and start managing your digital assets with authorization-based controls.

1. Clone the repositories:

git clone https://github.com/styxpay/styxpay.git
git clone https://github.com/styxpay/contracts.git
git clone https://github.com/styxpay/docs.git

2. Set up the web application:

cd styxpay
npm install
npm run dev

3. Build the smart contracts:

cd contracts
anchor build
anchor test

4. Read the documentation:

cd docs
# Open README.md to explore all documentation

┌─────────────────────────────────────────────────────────┐
│                    StyxPay Platform                      │
├─────────────────────────────────────────────────────────┤
│                                                           │
│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐  │
│  │   Next.js    │  │   Solana     │  │    Docs      │  │
│  │  Frontend    │◄─┤   Smart      │◄─┤  Platform    │  │
│  │              │  │  Contracts   │  │              │  │
│  └──────────────┘  └──────────────┘  └──────────────┘  │
│         │                  │                  │          │
│         │                  │                  │          │
│  ┌──────────────────────────────────────────────────┐   │
│  │              Solana Blockchain                   │   │
│  │  (Vault • Authorization • Card Programs)         │   │
│  └──────────────────────────────────────────────────┘   │
│                                                           │
└─────────────────────────────────────────────────────────┘

1. Authorization-Based Withdrawals: All transactions require policy validation
2. Programmable Spending Limits: Daily and monthly limits enforced on-chain
3. Emergency Controls: Instant freeze functionality for accounts and cards
4. Time-Based Resets: Automatic limit resets based on time periods
5. Granular Permissions: Per-card and per-vault access controls
6. Merchant Controls: Whitelist/blacklist support for transaction validation
7. Two-Factor Authentication: Optional 2FA requirements for sensitive operations

• Framework: Next.js 16 with React 19
• Styling: Tailwind CSS v4
• UI Components: shadcn/ui with Radix UI primitives
• Icons: Lucide React
• Language: TypeScript 5.9

• Blockchain: Solana
• Framework: Anchor 0.29
• Language: Rust 1.70+
• Token Standard: SPL Token

• Format: Markdown
• Structure: GitBook-compatible
• Coverage: Getting started, API reference, technical docs, operations

We welcome contributions from the community! Each repository has its own contributing guidelines:

• styxpay: See CONTRIBUTING.md
• contracts: See CONTRIBUTING.md
• docs: See operations/contributing.md

1. Fork the repository you want to contribute to
2. Create a feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

• Website: styxpay.app
• Demo: styxpay.app/demo
• Status: styxpay.app/status
• Documentation: docs.styxpay.app

All repositories under the StyxPay organization are licensed under the MIT License. See individual repository LICENSE files for details.

Traditional neobanks require trust in centralized entities. StyxPay puts you in control:

• ✅ Programmable Security: Set spending rules that execute automatically on-chain
• ✅ Complete Privacy: Your data stays with you, not on corporate servers
• ✅ Instant Transactions: Leverage Solana's speed for real-time settlements
• ✅ Global Access: No geographic restrictions or bank account requirements
• ✅ Open Source: Fully auditable smart contracts and transparent operations
• ✅ Composable: Integrate with other DeFi protocols seamlessly

• ✅ Launch core smart contracts (Vault, Authorization, Card)
• ✅ Deploy web platform with demo
• ✅ Comprehensive documentation
• 🔄 Mainnet deployment
• 🔄 Mobile app development

• Multi-signature vault support
• Hardware wallet integration
• Advanced analytics dashboard
• Third-party developer API

• Cross-chain bridge support
• Fiat on/off ramps
• Merchant payment integration
• Card issuance partnerships

• DeFi protocol integrations
• Lending and borrowing features
• Governance token launch
• DAO formation