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Changelog

All notable changes to the PAY.ID ecosystem across packages, contracts, and frontend.

May 2026​

✨ New Features​

1. V4 Dashboard Redesign (Inspired)​

The entire V4 app UI has been redesigned with a clean, card-based layout inspired by modern fintech apps (concept). Changes span across 5 components:

  • Dashboard (frontend/example-product/src/components/v4/Dashboard.tsx)

    • Stealth Balance Card — gradient green (#00D084) with prominent USD display, QR button
    • Token List — ETH, USDC, PDT with individual balance items
    • Demo Token Banner — green info card: "We've sent you this to experience how seamless PAY.ID withdrawals are"
    • Your Personal Link — PayID card with avatar, copy/QR/share actions
    • Quick Actions — Send, Receive, History with rounded-2xl icon buttons
    • Activity Feed — tab filters (All / Incoming / Outgoing), Export CSV button, avatar per transaction

  • ReceivePage (frontend/example-product/src/components/v4/ReceivePage.tsx)

    • QR Card — gradient green with centered QR code
    • PayID Card — copyable link with avatar and action buttons
    • Wallet Address — expandable section with ChevronRight

  • HistoryPage (frontend/example-product/src/components/v4/HistoryPage.tsx)

    • Summary Cards — gradient red (Sent) & green (Received) with rounded-[20px]
    • Search Bar — input with Search icon
    • Tab Filters — All / Incoming / Outgoing
    • Transaction List — Avatar + detail + status badge + amount

  • SettingsPage (frontend/example-product/src/components/v4/SettingsPage.tsx)

    • Profile Card — gradient green with avatar besar dan PayID
    • Theme Toggle — modern switch
    • Settings List — color-coded icons (blue, yellow, green, purple)
    • Disconnect — red card with warning style

  • AppLayout (frontend/example-product/src/components/v4/AppLayout.tsx)

    • Logo — "pay.id" dengan BETA badge
    • Nav Items — rounded-xl active state, clean spacing
    • Bottom CTA — "PAY.ID is currently in beta" dengan avatar stack
    • Links — Docs, X (Twitter)

2. VRAN — Vindex Reputation & Anti-Scam Network​

A new decentralized trust layer for PAY.ID and other Web3 protocols.

  • packages/contracts/contracts/VindexRegistry.sol

    • Reputation scores (0–1000, default 500)
    • Staked reporting with evidence hash (IPFS/Arweave CID)
    • Web of Trust consensus — reports valid after ≥3 high-reputation (≥700) confirmations
    • Auto-blacklist when reputation drops below 100
    • Slash false reporters — stake returned to victim, reputation penalty
    • Role-based access: DEFAULT_ADMIN_ROLE, ENGINE_ROLE, SENTINEL_ROLE

  • packages/payid-react/src/hooks/useReputation.ts

    • useReputation({ registryAddress, target }) → { score, isBlacklisted, isTrusted }
    • useCanReport({ registryAddress }) → check if wallet can submit report
    • useVranConfig({ registryAddress }) → read minStake and consensusThreshold

3. QRIS / Bank Bridge Extension v1.1​

The fiat integration spec has been expanded from a brief memo to a full implementation guide.

  • Extended Context Schema — FiatContext with rail, psp, mcc, terminalId, currency
  • 6 new rule examples — min amount, PSP allowlist, currency restriction, MCC blocklist, QRIS-only, combined policy
  • PSP Adapter Pattern — FiatAdapter class reference implementation
  • Bank Verification Endpoint — verifyPaymentProof() reference code
  • Failure Semantics table — fail-closed for all edge cases
  • Regulatory Alignment — AML/KYC complementarity, data privacy, licensing
  • 5-Phase Roadmap — QRIS MVP → Multi-PSP → VRAN → SWIFT/SEPA → CBDC

4. 0G Resolver Hardening​

The 0G storage resolver is now configurable via SDK instead of relying solely on a global variable.

  • ResolverOptions type — { zgIndexerUrl?: string }
  • resolveRule(source, options?) accepts optional ResolverOptions
  • URL priority: options.zgIndexerUrl → globalThis.PAYID_ZGS_INDEXER_URL → default https://indexer-testnet.0g.ai
  • PayIDClient and PayIDServer constructors accept resolverOptions
  • Factory functions updated: createPayIDClient({ resolverOptions }), createPayIDServer({ resolverOptions })
  • ResolverOptions exported from payid package index

🐛 Bug Fixes​

  • Tailwind CSS lint warnings — Converted bracket opacity syntax (bg-white/[0.03]) to new Tailwind v4 syntax (bg-white/3) across all V4 components
  • LandingPageV4 TypeScript error — Fixed ease type in fadeUp() transition (array → 'easeOut' as const)
  • v3/AppLayout warning — Fixed md:ml-[200px] → md:ml-50
  • cursor-pointer — Added to all clickable items (buttons, cards, tabs) across V4 components

📁 Files Changed​

frontend/example-product/src/components/v4/Dashboard.tsx
frontend/example-product/src/components/v4/ReceivePage.tsx
frontend/example-product/src/components/v4/HistoryPage.tsx
frontend/example-product/src/components/v4/SettingsPage.tsx
frontend/example-product/src/components/v4/AppLayout.tsx
frontend/example-product/src/components/v4/SendFlow.tsx
frontend/example-product/src/components/v4/LandingPageV4.tsx
frontend/example-product/src/components/v4/theme.tsx
frontend/example-product/src/components/v3/AppLayout.tsx
packages/contracts/contracts/VindexRegistry.sol                    [NEW]
packages/payid-react/src/hooks/useReputation.ts                   [NEW]
docs/bank-qris-extension.md                                        [UPDATED]
docs/reputation_system_draft.md                                   [EXISTS]
packages/sdk-core/src/resolver/resolver.ts
packages/sdk-core/src/resolver/types.ts
packages/sdk-core/src/core/client/client.ts
packages/sdk-core/src/core/server/server.ts
packages/sdk-core/src/factory.ts
packages/sdk-core/src/index.ts

Additional May 2026 Updates​

5. FiatAdapter SDK Implementation​

  • packages/sdk-core/src/adapters/fiatAdapter.ts — Reference implementation for QRIS/PSP integration
  • Exports: FiatAdapter, QRISPayload, FiatEvaluationResult
  • Methods: evaluatePayment(), buildContext()

6. VRAN Hook Context Integration​

  • useReputation({ target }) — now reads vindexRegistry from PayIDContext automatically
  • useCanReport() — checks if connected wallet can submit staked reports
  • useVranConfig() — reads minStake and consensusThreshold
  • All hooks exported from payid-react

7. V4 Dashboard Reputation Card​

  • frontend/example-product/src/components/v4/Dashboard.tsx
  • Displays live reputation score with color-coded badge (Trusted / Neutral / Blacklisted)
  • Shows between Quick Actions and Activity Feed

8. Frontend Documentation​

  • docs/integration/bank-qris-bridge.md — New doc page for Bank/QRIS Bridge
  • docs/integration/vran-reputation.md — New doc page for VRAN
  • docs/changelog.md — This changelog page
  • docs/intro.md — Updated with "What's New" section

Usage Examples​

Using Custom 0G Indexer​

import { createPayIDClient } from 'payid';

const client = createPayIDClient({
  resolverOptions: {
    zgIndexerUrl: 'https://my-custom-indexer.0g.ai',
  },
});

Checking Reputation Before Payment (with Context)​

import { useReputation } from 'payid-react';

function PayButton({ merchantAddress }: { merchantAddress: string }) {
  // Automatically reads vindexRegistry from <PayIDProvider>
  const { isBlacklisted, isTrusted, score } = useReputation({
    target: merchantAddress as `0x${string}`,
  });

  if (isBlacklisted) return <button disabled>🚫 Merchant Blacklisted</button>;
  if (!isTrusted) return <button disabled>⚠️ Low Reputation ({score})</button>;

  return <button>Pay Now</button>;
}

Fiat Adapter for QRIS​

import { FiatAdapter } from 'payid';

const adapter = new FiatAdapter();

const { allowed, proof, reason } = await adapter.evaluatePayment(
  {
    amount: '150000',
    currency: 'IDR',
    merchantId: 'MID123',
    pspCode: 'BANK_ABC',
  },
  'https://rules.example.com/merchant-rules.json',
  walletSigner,
  {
    verifyingContract: '0x...',
    ruleAuthority: '0x...',
    chainId: 31337,
  },
);

SDK Enhancements (May 2026)​

1. PayID Name Resolution API — Reverse Lookup​

Resolve wallet addresses back to human-readable PayIDs.

import { reverseResolvePayID, batchReverseResolve } from 'payid';

// Single lookup
const result = await reverseResolvePayID('0x1234567890123456789012345678901234567890', {
  registryUrl: 'https://registry.pay.id/v1',
});
console.log(result?.payId); // "alice.pay.id"

// Batch lookup (for contact lists / tx history)
const map = await batchReverseResolve(['0x1234...', '0xabcd...']);

2. Offline-First IndexedDB Cache​

Rules, contacts, drafts, and history cached locally for offline use.

import { contactCache, draftCache, ruleCache, getCacheStats } from 'payid';

// Cache a contact
await contactCache.set({
  payId: 'alice.pay.id',
  address: '0x1234...',
  name: 'Alice',
  addedAt: Date.now(),
});

// Create offline draft (syncs when online)
await draftCache.set({
  toPayId: 'bob.pay.id',
  amount: '100',
  asset: 'USDC',
  status: 'draft',
  createdAt: Date.now(),
  updatedAt: Date.now(),
});

// Check cache stats
const stats = await getCacheStats();
console.log(`${stats.contacts} contacts, ${stats.drafts} drafts`);

3. SDK CLI Tool​

Deploy rules and verify proofs from the command line.

# Deploy a rule JSON to IPFS + register on-chain
npx payid deploy-rule ./my-rule.json \
  --authority 0xRuleAuthority \
  --chain 31337 \
  --key $PRIVATE_KEY \
  --rpc http://127.0.0.1:8545 \
  --output result.json

# Verify a Decision Proof by txHash
npx payid verify-proof 0xabc123... \
  --verifier 0xPayIDVerifier \
  --rpc http://127.0.0.1:8545 \
  --signer 0xExpectedSigner

Frontend & Smart Contract Features (May 2026)​

1. Multi-Currency Display​

Toggle between USD / IDR / ETH in real-time on the Send Flow amount input.

import { useMultiCurrency } from './hooks/useMultiCurrency';

const { displayCurrency, convert, format, toggle } = useMultiCurrency();
// ≈ Rp 525.000.000 shown below amount input

2. Transaction Simulation Preview​

Client-side simulation before signing: checks balance, fees, and rules.

import TransactionSimulation from './components/v4/TransactionSimulation';

<TransactionSimulation
  amount="0.05"
  asset="ETH"
  currentBalance="1.25"
  onComplete={(result) => console.log(result.decision)}
/>;

3. Policy Marketplace UI​

Browse and subscribe to rule templates: Freelancer Safe Pay, Parental Control, Business Hours, DAO Payroll, etc.

Route: /v4/app/marketplace

4. VRAN Reputation Badge​

Dashboard shows reputation score with color-coded badges:

  • Green (800+): Trusted
  • Yellow (500-799): Neutral
  • Red (<500): Low reputation
  • Blacklisted: Warning banner before sending

5. Push Notifications​

Web Push API integration with Service Worker for payment alerts.

const { subscribe, state, sendLocalNotification } = usePushNotifications();

6. Advanced Tools (Batch, Recurring, Escrow, Vesting)​

Interactive UI for all new smart contract extensions.

Route: /v4/app/tools

Tabs:

  • Batch Pay — Multi-recipient ETH/ERC20 payroll
  • Recurring — Subscription creation with max amount & period
  • Escrow — Milestone-based freelancer escrow
  • Vesting — Time-locked token vesting with cliff

Smart Contract Extensions (May 2026)​

1. Batch Payment (PayWithPayIDBatch.sol)​

Execute multiple ETH or ERC20 payments in a single transaction.

function batchPayETH(
    PayIDVerifier.Decision[] calldata decisions,
    bytes[] calldata sigs,
    bytes32[][] calldata attestationUIDs
) external payable

2. Recurring Payments (RecurringPayments.sol)​

Subscription billing with pre-approved max amounts per period.

function createSubscription(
    address receiver,
    address asset,
    uint256 maxAmount,
    uint256 period
) external returns (uint256 subId)

function charge(uint256 subId, Decision, sig, attestationUIDs) external

3. Escrow with Milestones (EscrowMilestone.sol)​

Freelancer escrow with VRAN arbiter confirmation for each milestone.

function createEscrow(
    address freelancer,
    address asset,
    uint256[] calldata amounts,
    string[] calldata descriptions,
    uint256 deadline
) external payable

function releaseMilestone(uint256 escrowId, uint256 index) external onlyArbiter

4. Time-Locked Vesting (TimeLockVesting.sol)​

Token vesting with cliff and linear release. Integrates with rule engine env.timestamp.

function createSchedule(
    address beneficiary,
    address asset,
    uint256 totalAmount,
    uint256 startTime,
    uint256 cliff,
    uint256 duration,
    bool revocable,
    address revoker
) external payable

function release(uint256 scheduleId) external

Off-Chain Keeper / Cron (May 2026)​

Schedules need an off-chain trigger because blockchains do not run cron natively.

Script: packages/contracts/scripts/keeper.ts

What it does​

  • Recurring — scans subscriptions; calls charge() when nextChargeTime <= now
  • Vesting — scans schedules; calls release() when releasable > 0
  • Escrow — scans escrows; calls autoRefund() when deadline <= now

Run locally​

cd packages/contracts
PRIVATE_KEY=0x... RPC_URL=http://127.0.0.1:8545 \
  bun run keeper --chainId 31337

Options​

  • --dry-run — scan only, no transactions
  • --once — single pass, then exit
  • default — loops every 60 seconds

Production deployment​

For production, deploy this script as:

  • Gelato Relay / Web3 Functions
  • Chainlink Automation (upkeep)
  • AWS Lambda + EventBridge (cron)
  • Self-hosted Bun service with systemd / PM2