OpenPasskey

The next card scheme won't be built by Visa. It will be built on-chain.

Sure, ELI5: Normal cards weld your number + chip + account into one locked unit. Replace the card and often everything resets. OpenPasskey splits them onchain: - You own the PAN (the number) as an NFT. - Bind it to any card or phone. - Link it to any wallet. - Re-link with one cheap transaction. Your number now lives forever, independent of the physical card or wallet. Built for fast stablecoin tap-to-pay (NFC/QR) with no middlemen. The 6690 8200... example is one under their own IIN. Portable payment identity.

The PAN is an NFT you own. The card key and the wallet are separate registry bindings, and re-link is one transaction. The number is the only durable piece, a real ISO 7812 PAN under our own IIN, valid Luhn, not a card-scheme number.

@victorzh The PAN is an NFT you own. The card key and the wallet are separate registry bindings, and re-link is one transaction. The number is the only durable piece, a real ISO 7812 PAN under OpenPasskey IIN, valid Luhn, not a card-scheme number.

A bank card welds the number, the chip, and the account into one thing. @OpenPasskey split them. Own your PAN. Bind it to any card or phone. Point that at any wallet. Re-link whenever. The number outlives the card. The card outlives the wallet. Who wants 6690 8200 0777 7777?

@victorzh Closed the gap at @OpenPasskey x.com/openpasskey/st…

Crypto cards launched in the last two months per Nilson: CoinZoom, Fasset, Bitget, MoonAgents, Exa, Aven. Every single one runs on Visa or Mastercard. "Crypto payments" today mostly means a stablecoin balance feeding a card-network card. In-person, card-network-free, is still empty space.

@Root_Edge @baseaixbt @base Thank you for letting us know.

@OpenPasskey @baseaixbt @base hey @OpenPasskey @baseaixbt is a scammer

3 people. 10 months. No outside funding. We registered our own IIN, wrote our own EMV terminal software, and settled real payments on @base at a real shop. Card, phone, QR. AUD stablecoin in, AUD or stablecoin out.

$AUDM gets caffeinated! 🦘 ☕ Thanks to @austfintech for covering our first live retail payment using AUDM with @OpenPasskey. australianfintech.com.au/macropod-compl… #AUDM #Stablecoins #FinTechAustralia #CoffeeAndCrypto #PayWithAUDM #DigitalPayments #Blockchain #Web3 #AustralianFinTech #Macropod #CafeCulture #FutureOfMoney

AUDM @Macropod_AU retail payment went live in a Sydney café this week. Scan, pay, merchant has bankable AUD almost instantly. The rail underneath isn't the token. @OpenPasskey settles stablecoin in 1 second on Base, 0% protocol fee, no card network in the path. Same rail a person taps, an agent pays over x402/MPP. One settlement layer for human and machine money.

Settled through a ClearingVault on Base. 0% protocol fee. Same contract path whether it's card or an agent paying over x402/MPP. We're the rail under the payment, not the token on top. Good to have AUDM on it.

Poll 🆎 Assume two things are fully solved: crypto EMV card tap is accepted at every terminal, and every wallet fully supports ERC-681 token transfer (QR + NFC). Then it’s purely about the experience. Here are the two ways to pay stablecoins in a shop. A) EMV tap card. Like tapping a contactless bank card. You set it up once (add a card that spends your stablecoin), then at any shop you just tap. No app to open, no PIN, no confirmation. Sub-second. B) ERC-681 wallet. No card to add. At the shop you scan a QR or tap your phone, your wallet opens with the amount already filled in, you check it and confirm. Pay straight from your wallet. Every payment. So: tap-and-go with a one-time setup (A), or open-and-confirm with nothing to set up (B)? Which makes more sense?

@Lexioryn @victorzh Thank you.

@victorzh @OpenPasskey $280 compared to $10k is just insane efficiency

Card schemes take ~$10k a year off a café doing $400k. That’s one good family holiday the owner never takes. Our rail @OpenPasskey : $280 a year. ~36,000 payments, 3 on-chain txs each, ~$0.0026 Base gas per tx. No percentage. Just gas.

@axmxmr @victorzh @robocopsgonemad Thank you

@victorzh @robocopsgonemad @OpenPasskey I’m here for it Vic

great work everyone cryptoslate.com/stablecoins-by…

@OrinBase @base Thank you 🙏

@OpenPasskey @base his isn’t a demo anymore this is the future of everyday payments arriving right now In 10 years, traditional card rails are going to feel ancient huge respect to the OpenPasskey team and everyone at Base 👏 the future of money is being built today

@traviSKrypto @base Based

@OpenPasskey @base Based

The QR, explained. It's a plain ERC-681 URL (Not reinventing the wheel). ethereum:@/transfer with the amount and a receiving address. Every major wallet already reads this format, so any wallet scans and pays. Nothing custom to install. The receiving address is single-use. The terminal derives a fresh one per invoice with CREATE2, so no two payments share an address and nothing is reused. The customer's wallet sends straight to it, then the funds sweep to the merchant vault. No new app, no new account, no new card. Just a scan.

The phone tap, explained. On Android we use Host Card Emulation. The phone presents the same EMV card over NFC, no card needed in hand. On iPhone the secure NFC path (NFC SE) needs an Apple entitlement. We've applied. Not expecting it soon, Apple moves slowly here. We've also applied to Apple Pay and Google Pay. Same story, long queue. We're not waiting on either. The QR and card paths already work on every phone today.

OpenPasskey is a payment protocol built onchain that lets physical retail merchants accept AUD stablecoin payments at the counter. No new hardware, no bank integration required. Tap a card, tap a phone, or scan a QR code. Payment settles onchain in under 1 second. Merchant receives AUD the same day via two regulated Australian issuers. Built on @base

@leoclark @base yes sir

@OpenPasskey @base Perth will welcome you 🫡