A private QVAC business operating system for Solana payments.
One app, four local tools, zero cloud by default. QVAC/local analysis keeps legal, merchant, wallet, and payroll context on-device before anything is signed or settled on Solana.
Live App · GitHub · Submission Script · Submission Checklist
CloakPay AI is a private QVAC business OS for Solana operators. It gives a founder, merchant, contractor, or small team one local desk for agreements, receipts, wallet checks, and payroll review. QVAC/local analysis handles the sensitive business context before a wallet signs. Solana receives only the final approved payment transaction.
The product story is simple: private AI checks the business context locally, then the wallet signs the final Solana action.
| Pillar | What It Does |
|---|---|
| Legal Desk | Describe a deal in plain English. CloakPay AI creates a local contract-style payment intent, checks risk, prepares wallet proof, and creates a private receipt. |
| Offline Merchant | Create product lookup, pricing, and receipt context on-device. Queue the settlement locally, then sync it into wallet signing when internet and wallet access are available. |
| Wallet Lens | Paste or load wallet context before dealing with someone. CloakPay AI creates a private trust report from the business prompt and public-chain direction. |
| Payroll | Validate team CSV-style payout rows locally, flag issues, build a real multi-recipient Solana transaction, and export payroll proof without sending payroll data to a cloud database. |
CloakPay supports both SOL and Tether (USDT) transfers on Solana.
When a workflow is denominated in USDT, CloakPay prepares the Solana SPL token transfer so the wallet signs the token, destination, and amount shown in the review screen.
- Mainnet-beta: routes to the real Tether USDT mint (
Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB) after explicit real-funds confirmation. - Test rail: available for wallet testers who refuse to move funds, using a non-production USDT mint.
- CloakPay never asks for seed phrases and never takes custody.
- Live app: https://cloakpay-ai.vercel.app.
- Connected API paths:
/api/healthz,/api/qvac/status,/api/qvac/analyze-payment,/api/solana/prepare,/api/solana/prepare-batch,/api/privacy/receipt. - Real Solana transaction preparation for SOL, USDT SPL transfers, and same-token payroll batches.
- Mainnet-beta path is available only after explicit real-funds confirmation.
- Wallet signing stays wallet-side.
- Offline Merchant stores queued payment intents locally and syncs them into the wallet signing flow when online.
- Local account, history, feedback, monitor events, and privacy receipts live in browser storage and can be exported as JSON.
- QVAC/local AI depth: every workflow starts with local analysis before wallet action.
- Tether relevance: USDT SPL transfer preparation supports the real mainnet Tether mint.
- Solana execution: wallets receive serialized SOL, USDT, or payroll batch transactions to sign.
- Privacy: documents, receipts, wallet notes, and payroll rows stay in local browser storage unless exported.
- Demo readiness: the live Vercel app exposes the same API paths used by the local build.
- Legal Desk currently prepares agreement context, wallet proof, payment intent, and receipt. Full automated escrow release logic still needs a dedicated smart contract and audit before broad real-money use.
- Offline Merchant currently creates local receipt/payment context, queues it in browser storage, and syncs it into wallet signing when online. It does not custody funds.
- Payroll currently validates CSV-style input and prepares a real same-token multi-recipient Solana transaction. Very large payroll runs still need additional operational safeguards before live payroll use.
- Wallet Lens currently generates private trust/risk context from supplied wallet/business input. Rich chain-history indexing would require an additional data source or local indexer.
QVAC matters because the business context is the product. Contracts, receipts, counterparty review, and payroll files are exactly the kind of data that should stay local.
| Judging Criterion | CloakPay AI Answer |
|---|---|
| Technical QVAC depth | Local AI analysis is core to every workflow: Legal, Merchant, Lens, and Payroll. |
| Product value | Small teams can review deals, sales, wallets, and payouts before signing anything. |
| Innovation | Private AI becomes the operating layer before Solana settlement. |
| Demo quality | One polished app, four workflows, connected wallet flow, receipts, exports, and live deployment. |
Use pnpm. The root package intentionally blocks npm installs so Vercel and local builds use the same workspace lockfile.
pnpm install
pnpm --filter @workspace/api-server run dev
pnpm --filter @workspace/cloakpay-ai run devTo enable live local QVAC OCR:
QVAC_MOCK=0 pnpm --filter @workspace/api-server run dev- Live preview: https://cloakpay-ai.vercel.app
- Public repo: https://github.com/jerreenj/CloakPayAI-Solana-Tether
- Demo script: docs/DEMO_SCRIPT.md
- Submission checklist: docs/SUBMISSION_CHECKLIST.md
- QVAC proof plan: docs/QVAC_PROOF.md