# TikPay - Stablecoin Payments for AI and Everyone

> TikPay is a stablecoin payment SDK that enables instant, low-cost cryptocurrency payments using USDC on the Sui blockchain. It's designed for both human users and AI agents.

## What is TikPay?

TikPay is a Web3 payment SDK that makes cryptocurrency payments as simple as credit card payments. Users can pay with just their Google or Apple account - no wallet setup, no seed phrases, no crypto experience needed.

### Key Features

1. **zkLogin Authentication**: Login with Google or Apple. Your blockchain wallet is automatically created using zero-knowledge proofs.

2. **Sponsored Gas Fees**: Users don't need to own any cryptocurrency to start. Merchants can cover transaction fees.

3. **USDC Stablecoin**: All payments use USDC, a dollar-pegged stablecoin. No price volatility.

4. **Instant Settlement**: Transactions confirm in ~2 seconds on the Sui blockchain.

5. **Ultra-Low Fees**: Transaction costs under $0.01, making microtransactions viable.

## Use Cases

### For AI Agents
- Pay-per-query pricing (as low as $0.001 per API call)
- Autonomous payment acceptance without human intervention
- Real-time settlement for AI services

### For E-commerce
- Accept crypto payments without complexity
- No chargebacks (blockchain transactions are final)
- Global payments without currency conversion

### For Subscriptions
- Recurring stablecoin payments
- Transparent pricing in USD-equivalent value
- No credit card processing fees (2.9% + $0.30)

## Technical Stack

- **Blockchain**: Sui Network
- **Token**: USDC (Circle's USD Coin)
- **Authentication**: zkLogin (Google/Apple OAuth)
- **SDK**: React/TypeScript

## Pricing Comparison

| Provider | Transaction Fee |
|----------|-----------------|
| Stripe | 2.9% + $0.30 |
| PayPal | 3.49% + $0.49 |
| TikPay | < $0.01 flat |

## Getting Started

```typescript
import { useTikPay } from '@tikpay/sui-sdk';

function PayButton() {
  const { pay } = useTikPay();
  
  return (
    <button onClick={() => pay({
      amount: 1,
      token: 'USDC',
      onSuccess: (tx) => console.log('Paid!', tx.digest)
    })}>
      Pay $1
    </button>
  );
}
```

## Company Information

- **Company**: TikPay by Alpsoft Inc.
- **Website**: https://www.tikpay.live
- **Demo**: https://www.tikpay.live/demo
- **Contact**: support@tikpay.io

## FAQ

### How does TikPay work without a wallet?
TikPay uses zkLogin, a technology developed by Mysten Labs. It creates a blockchain address linked to your Google/Apple account using zero-knowledge proofs. Your private key is derived from your OAuth credentials and never stored anywhere.

### Is TikPay safe?
Yes. Private keys never leave the user's device. TikPay servers cannot access user funds. The technology uses the same passkey/biometric authentication used by Apple Pay and Google Pay.

### What is USDC?
USDC is a stablecoin issued by Circle. 1 USDC = 1 USD, backed by cash and short-term US government bonds. It's audited monthly and is the most trusted stablecoin for payments.

### Why Sui blockchain?
Sui offers ~2 second finality, sub-cent transaction fees, and native support for zkLogin. It's designed for consumer applications with high throughput.

### Can AI agents use TikPay?
Yes! TikPay is designed for AI-to-human and AI-to-AI payments. AI agents can programmatically charge for services, enabling pay-per-query business models.

## Links

- Homepage: https://www.tikpay.live
- Live Demo: https://www.tikpay.live/demo
- SDK Test: https://www.tikpay.live/sdk-test
- Privacy Policy: https://www.tikpay.live/privacy
- Terms of Service: https://www.tikpay.live/terms
- Twitter/X: https://x.com/JihunWeb3
- LinkedIn: https://www.linkedin.com/in/jihun-kim-556a32110/
- Telegram: https://t.me/flux88888