# 13. PWC Super App

13.1 Overview

PayWithCrypto (PWC) Super App is the all-in-one digital command center for spending, earning, and engaging with crypto in everyday life. Designed with a dual-wallet system — non-custodial for users, custodial for merchants — it unifies everything under one seamless experience: POS hardware, Soft POS for mobile merchants, crypto debit cards, NFT loyalty, AR gamification, and the powerful XCP Infinity Rewards engine.

Technically, the Super App sits on a robust multi-chain backend that routes transactions across Ethereum, BNB Smart Chain, Tron, and more — with real-time settlement, smart contract-based loyalty payouts, and compliance-ready fiat ramps through regulated VASPs and payment gateways.

Designed for both consumers and merchants, the app enables seamless, QR-code-based crypto transactions, built on a foundation of non-custodial architecture and regulatory compliance. Both End Users and Registered Merchants can enjoy a seamless user interface, enhanced by gamified experiences that drive engagement, retention, and real-world crypto utility.

13.2 User Utilities & Everyday Benefits

PWC gives everyday users:

·         Scan-to-Pay: Spend crypto instantly at local merchants by scanning national QR codes (QR Ph, VietQR, Thai PromptPay).

·         Crypto Card: Pay anywhere Visa/Mastercard is accepted — online or offline — with your crypto balance.

·         Non-Custodial Wallet: Self-custody keys for maximum security.

·         On/Off Ramp: Buy crypto with local fiat or cash out earnings anytime via licensed VASPs and banking rails.

·         Token Swaps: Swap tokens instantly using an in-app DEX aggregator with gas fee estimates.

·         Crypto Savings: Stake stablecoins to earn yield, just like a high-yield savings account — but on-chain.

·         P2P Transfers: Send crypto to friends using @handles — no confusing wallet addresses.

·         Loans: Access micro-loans backed by your crypto collateral, keeping assets working for you.

·         Bill Payments: Use crypto to pay utility bills (power, internet, phone) through trusted partners.

·         Charity Donations: Support verified causes with crypto donations and earn extra XCP Infinity Points.

·         DApp Browser: Access DeFi, NFT marketplaces, or other Web3 dApps right inside the wallet.

·         AR Gamification: Play PWC Monster Hunt — catch monsters at merchant locations for rewards.

13.3 Merchant Tools

·         Vouchers & Gift Cards: Issue or redeem merchant-branded vouchers and gift cards, increasing loyalty and repeat visits.

·         NFT Loyalty Programs: Merchants can issue NFTs representing discounts or privileges (e.g., Coffee Shop NFT), encouraging ongoing engagement.

·         Mini-Programs: Host lightweight merchant-specific apps within the PWC Super App (e.g., food ordering, service bookings).

·         POS Integration: Custodial wallets allow merchants to track transaction history, receive payments, and view fiat settlements in real time.

13.4 Gamification Engine

Gamification is core to PWC's user engagement model, blending game mechanics with real-world financial utility.

·         XCP Points: Users earn points from actions like wallet transactions, travel bookings, and participation in AR games. Points are redeemable for gas discounts, exclusive NFTs, and merchant vouchers.

·         Levels & Badges: Users progress from "Crypto Novice" to "Super User," earning titles and badges such as "Travel Pro" or "Monster Hunter."

·         Challenges: Weekly and monthly missions (e.g., "Catch 3 monsters this week") encourage repeated engagement with the app.

·         Leaderboards: Role-specific rankings allow End Users to compete for point totals and Merchants to rank based on POS volume.

·         AR Game (PWC Monster Hunt): A flagship feature, this AR experience places monsters at merchant locations, incentivizing real-world visits and turning payments into a playful, rewarding journey.

&#x20;     *One Scan. One App. Endless Rewards.*

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13.5 Role-Based Experiences

·         End Users: Access all wallet, travel, utility, and gaming features, with an intuitive interface optimized for convenience and discovery.

·         Merchants: Switch roles to manage business-specific features like POS, voucher issuance, and sponsored monster placement—all from the same app.

13.6 Architecture Overview

·         Mobile App Interface: Bottom-tab navigation includes Dashboard, Wallet, Merchants, Vouchers, and Settings. The UI adapts based on user role.

·         Wallet Module: Supports both non-custodial (user-controlled) and custodial (merchant-managed) wallets.

·         Backend Server: Manages services for Gaming, Travel, Social, NFT, POS, Utilities, Authentication, and Gamification using JWT-based role logic.

·         Indexer Layer: Optimizes performance by caching data like monster locations, point transactions, and voucher statuses.

·         Blockchain Nodes: Uses Infura and Alchemy to handle token transfers, NFT minting, and smart contract interactions.

13.7 Why PWC Super App?

PWC differentiates itself by blending the versatility of crypto wallets with a rich lifestyle ecosystem. It creates seamless interactions between users and merchants through:

·         Real-time QR code payments

·         NFT-based loyalty programs

·         AR-powered merchant discovery

·         Token rewards and competitive gamification

·         Scalable, user-friendly architecture

Whether you're booking a flight, grabbing coffee, or catching a monster, PWC turns every interaction into an opportunity for value, rewards, and community connection.

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13.8 Core Features and Benefits Summary

| Feature                     | Description                                                                         |
| --------------------------- | ----------------------------------------------------------------------------------- |
| Scan to Pay                 | Instantly pay by scanning QR codes at partner merchants.                            |
| Non-Custodial Architecture  | Full control of private keys—ensuring user sovereignty and security.                |
| Multi-Chain Support         | Pay using stablecoins and crypto assets across Ethereum, BNB Chain, Tron, and more. |
| Loyalty Rewards             | Earn tokenized cashback and merchant rewards with every purchase.                   |
| Merchant Discounts          | Access exclusive discounts and bundled deals from participating businesses.         |
| Low Fees, Fast Transactions | Near-instant settlement and ultra-low on-chain transaction costs.                   |
| Referral Rewards            | Invite others and earn token-based rewards, growing the ecosystem organically.      |
| Exclusive Vouchers          | Collect and redeem merchant-issued vouchers with real-world value.                  |
