AuraPay Global
Official Proposal Document
AuraPay Global — Reimagining Cross-Border Payments & Private Banking Settlement
aurapayglobal.com · Confidential
Official Proposal · Global FinTech Hackcelerator
AuraPay Global
Reimagining Cross-Border Payments & Private Banking Settlement
Confidential · aurapayglobal.com · Contact: sofonias_mengistu@aurapayglobal.com
01 · Executive Summary
Chat-native payment rails for a borderless workforce
AuraPay Global is building the end-to-end Telegram payment bot — crypto to cash in one chat. Through @AuraPayGlobalBot, remote teams and digital-native users send TON/USDT and Telegram Stars, settle on-chain, and trigger local bank payouts via webhooks. Chat in → crypto moves → cash lands. The web dashboard at aurapayglobal.com mirrors balances, analytics, and enterprise control — replacing multi-day wires and opaque FX markups with programmable settlement.
02 · The Problem
Legacy rails punish global work
- Wire delays (3–5 days) — payroll and contractor payouts stall while talent waits on correspondent banks.
- Excessive FX fees (3–7%) — opaque spreads silently erode remittances and remote payroll budgets.
- Fragmented crypto–fiat gateways — teams juggle wallets, exchanges, and banks with no unified settlement layer.
- No chat-native settlement tools — finance still lives outside Slack, Discord, and Telegram where work actually happens.
03 · The Solution
Instant Telegram & Web payment gateway
AuraPay delivers the product north star via @AuraPayGlobalBot: an end-to-end Telegram bot from crypto to cash — payment request in chat, Stars/stablecoin settlement, then local bank payout webhook. The web at aurapayglobal.com provides balances, analytics, and enterprise APIs. Slack/Discord expand the same rail.
04 · Technical Architecture
CSS-rendered system diagram
Client Layer
Telegram Mini App · Web · Slack / Discord
AuraPay API Gateway
Auth · Rate limits · Session · Routing
Webhooks & Smart Routing
Settlement · FX · Liquidity selection
Institutional Rails
Banking partners · Liquidity pools · On-chain TON
Client Layer → AuraPay API Gateway → Webhooks & Smart Routing → Institutional Banking Partners / Liquidity Pools
05 · Security & Compliance
Bank-grade posture from day one
End-to-end encryption
Session HMAC, webhook secrets, and encrypted transport across bot and API surfaces.
Non-custodial options
TonConnect / Tonkeeper flows keep user keys in the wallet; platform never holds seed phrases.
ISO 27001 readiness
Controls roadmap aligned to bank-grade information security management standards.
Automated AML / KYC
Risk screening hooks for enterprise payouts and private banking onboarding paths.
06 · Business Model
Aligned with volume, not lock-in
| Stream | Model |
|---|---|
| Transaction fee | 0.5% per qualifying payment / swap settlement |
| Enterprise API | Premium subscription tiers for merchants & payroll |
| FX spread margin | Optimized liquidity routing with transparent spreads |
Closing
The infrastructure for chat-native global payouts
AuraPay Global is live today on Telegram and the web. With Hackcelerator partners, we accelerate enterprise private banking APIs and licensed banking expansion — bringing instant, compliant settlement to every remote team and HNW digital native.
Bot: @Aurapayglobalbot
Web: aurapayglobal.com
Email: sofonias_mengistu@aurapayglobal.com