Next week is shipping week, a lot of product updates will be released for LUKSO and Universal Profiles! 🚢 🚢

Any token in. USDC out. One signature. WhoPays is a live, non-custodial payment-request app on LUKSO mainnet. Venmo-like for Web3, built on Universal Profiles. How it is actually built, standard by standard: Identity is your Universal Profile (LSP0 / ERC725). No phone number, no signup. On connect it reads your LSP3 metadata and shows your name and avatar. Paying direct in USDC is an LSP7 transfer with the request reference stamped into the transfer's data memo, so the payment is tied to its request for anyone indexing the chain. Paying in something else (LYX, wLYX, sLYX, LLI, or any LSP7 with a route): WhoPays pulls an exact-output quote from Phlox, then swaps your input to the exact USDC and sends it to the recipient in ONE Universal Profile executeBatch. LSP1 hooks fire on the router during the swap, and the swap and the tagged payment cannot be split apart. You see the max input, the 0.5% slippage, and an explorer link, then sign it in your own wallet. LSP6 Key Manager keeps every tx yours to approve. USDC here is Bridged USDC (Hyperlane), itself an LSP7. It lands directly in the recipient's UP. WhoPays never holds funds. Share a request by link, scannable QR, or Telegram. Fixed total or open amount, split between friends, progress live. Watch the demo below, then split your next bill on-chain: whopays.lukso.tools Also live in the UP! Store.

Before I head off for a one-week vacation next week, I wanted to ship one more project. ✈️🚀 This weekend I'm launching WhoPays, a bill-splitting app built natively on LUKSO. The concept is simple: 💸 Split a bill. 🔗 Share a link. 🪙 Friends pay in USDC. 📈 Watch the request fill up in real time. No app to install. No account with us. No backend. No custody. No middleman. The interesting part is why this is possible. On most EVM chains, you're paying a random 0x… address. There's no identity attached to it, so apps need their own database to map addresses to names, avatars, payment requests and transactions. On LUKSO, you're paying a Universal Profile instead. 👤 Identity is built in. Your name and avatar come from your profile's LSP3 metadata, read the same way by every LUKSO app. No per-app account, no lookup table. But here's the part I love: 🗝️ The payment request itself lives on-chain, inside YOUR profile. WhoPays stores each request directly in the creator's Universal Profile, under its own ERC725Y data keys (an LSP2 array of request ids plus a mapping to each request's JSON). One signature (setDataBatch) and it's on-chain. So your requests sync to any device that connects your UP, and there is no WhoPays database holding them. Your profile is the database. Then comes the payment. USDC on LUKSO is an LSP7 token (LUKSO's fungible-token standard). That's a huge difference from ERC20. An ERC20 transfer carries only a recipient and an amount. There's nowhere to attach a reference like "Dinner at Joe's" or "Hotel split #42", so apps on other chains need an off-chain database to remember which transfer belongs to which request. LSP7 solves this natively. Every transfer includes a data parameter: transfer(from, to, amount, force, data) WhoPays writes the request id into that data field, so every payment identifies itself on-chain. And the contributions? They aren't stored anywhere. 🚫 No escrow. 🚫 No custody. 🚫 No middleman contract holding funds. Funds move directly from payer to recipient. Because the recipient is a Universal Profile, each incoming payment triggers its LSP1 Universal Receiver, so the profile is notified it received the asset. So how does WhoPays know a bill is covered? It just watches the blockchain. 📡 Read the LSP7 Transfer events. 🏷️ Read the request id stored in the transfer data. 👤 Resolve the payer's Universal Profile. 📊 Add it up. The payer only sends USDC. They never touch your profile. That's it. The blockchain itself is the backend. This is why I think LUKSO's standards are so powerful: ✨ Universal Profiles (ERC725) ✨ ERC725Y data keys (identity AND app data, on your own account) ✨ LSP7 assets with transfer data ✨ LSP1 Universal Receivers Together they enable apps that simply aren't possible to build this cleanly with plain EOAs and ERC20 tokens. No backend. No centralized database. No account system. Just on-chain identity, on-chain requests, self-describing payments, and direct peer-to-peer transfers. Looking forward to launching WhoPays this weekend. 👀