Monipay Glossary , Terminology for Users, Merchants and Developers

Glossary

AES-256-GCM , Authenticated symmetric encryption with a 256-bit key. Monipay encrypts every user's private key with AES-256-GCM, keyed by a PBKDF2 derivation of the user's PIN.

AlphaUSD (αUSD) , Tempo's primary stablecoin. 18 decimals. TIP-20 standard. Contract 0x20c0000000000000000000000000000000000001.

Atomic split , The single-transaction transfer pattern Monipay's router contracts use to send 99% of a payment to the recipient and 1% to the platform treasury without any intermediate state.

Base , Coinbase's Ethereum L2. Monipay's home chain. Token: native USDC, 6 decimals.

Base58 , Solana's canonical address encoding. Case-sensitive, no normalization.

BEP-20 , BSC's token standard, broadly ERC-20-compatible. BSC USDT is BEP-20 with 18 decimals.

Builder code (ERC-8021) , On-chain attribution suffix that lets a builder count originated transactions. Monipay's Base builder code is bc_qt9yxo1d.

Ed25519 , Solana's signing curve. Used for Solana keypairs.

EIP-712 , Ethereum's typed structured-data signing standard. Monipay's EVM routers verify EIP-712 signatures to authorise meta-transactions.

EIP-2718 type 0x76 , Tempo's native transaction envelope type. Supports feePayer sponsorship, 2D nonces, and atomic batch calls as first-class fields.

executor wallet , MoniBot's hot wallet that submits social-payment transactions and pays gas. Per-chain, monitored, refilled on low-balance alerts.

fee-on-top , MoniBot's social-payment fee model. Sender pays amount + 1%, recipient receives the full amount. Contrast with the in-app fee-split model.

feePayer , A Solana and Tempo transaction field naming a non-sender account that pays the fee. The foundation of Monipay's gasless UX on those chains.

Hammer , Monipay's product philosophy. A tool you own and walk away with, not a service you depend on. See the Walkaway Test.

IOURegistry , On-chain registry that backs MagicPay claims. Holds escrowed funds for unaddressed recipients until they prove control of the linked social handle.

MagicPay , A claim link issued when a MoniBot recipient has no linked MoniTag. Backed by the on-chain IOURegistry. Recipient redeems by signing up and proving handle ownership.

MiniPay , Opera's mobile wallet on Celo. Monipay runs as a mini-app inside MiniPay.

MoniBot , Monipay's autonomous AI agent for social payments on Twitter/X, Bluesky, Discord, and Telegram.

Monipay , The product. A gasless, non-custodial, multi-chain stablecoin wallet and payment platform.

MoniTag™ , Your permanent username on Monipay. Lowercase m, uppercase T, ™ on first use.

paymaster , A relayer that pays gas on a user's behalf in exchange for the user's signature on an off-chain typed-data message.

PBKDF2 , Password-Based Key Derivation Function. Monipay uses PBKDF2 with a high iteration count to derive an AES key from the user's PIN.

RLS , Row Level Security. Supabase's database access control. Monipay's tables are deny-all by default with explicit policies per access path.

secp256k1 , Ethereum's signing curve. Used for EVM keypairs (Base, BSC, Celo, Ink).

Smart Feedback , MoniBot's optional AI-evaluated reply quality gate for airdrop and grant campaigns. Powered by Gemini 1.5-flash.

Soft delete , Monipay account deletion sets profiles.status = 'deactivated' rather than dropping rows. Data is retained for legal compliance. Re-import is blocked.

TIP-20 , Tempo's stablecoin standard. ERC-20-like, with on-chain transfer memos and delegated-transfer semantics for sponsorship.

Two-dimensional (2D) nonce , Tempo's (nonceKey, nonce) pair that allows parallel-safe concurrent transactions without single-account nonce contention.

USDC , Circle's regulated US-dollar stablecoin. Native on Base (6 dec), available as SPL on Solana (6 dec), and as USDT0 omnichain variant on Ink.

USDT , Tether's US-dollar stablecoin. Native on BSC as BEP-20 (18 decimals).

Walkaway Test , Monipay's resilience principle: if Monipay disappeared tomorrow, you could still spend the funds in your wallet from any compatible wallet. Non-negotiable.

worker bot , Per-platform MoniBot service that polls the social platform, parses commands, and submits on-chain transactions via the chain-specific MoniBotRouter.