Commerce Protocol

Problem: Crypto users have few easy, non‑custodial ways to spend tokens on everyday items (gift cards, mobile top‑ups, eSIMs). Existing solutions are either centralized (requiring KYC and custody) or limited to a handful of merchants.

Solution: A decentralized payment network that allows any user to purchase digital vouchers (gift cards, mobile airtime, eSIM data packages) using SOLANA UNCHAINED tokens or SOL.

Architecture:

• Voucher Registry – An on‑chain catalog of available products, each with a fixed price in USD (or local currency) and a dynamic price in SOL/tokens (via a real‑time oracle).
• Payment Processor – A contract that accepts tokens, holds them in escrow, and emits a VoucherPurchased event.
• Fulfillment Service – A decentralized network of relayers that, upon seeing the on‑chain event, deliver the voucher code (e.g., a 16‑digit gift card number) to the user via an encrypted off‑chain channel (email, push notification, or wallet‑native message).
• Dispute Resolution – A simple multi‑sig council that handles missing or invalid codes. Relayers must stake tokens to participate, ensuring honest behavior.

Fee model: 2% of each transaction is taken as protocol fee, split as follows:

• 50% to Solana Unchained Vault stakers
• 25% to the relayer who fulfilled the order
• 25% to the ecosystem treasury

Integration for other dApps: Any dApp can integrate the Commerce Protocol by importing the SDK. The dApp can either use the default fulfillment network or run its own relayer. Fees are paid in $UCHN tokens, creating persistent buy pressure.