Lock tokenized stock. Spend USDG from a cash pool. Repay, then take the stock back. If the box is tiny, use this: Spend USDG against locked stock. The shares are not sold
Paytree lets a user lock tokenized stock and spend dollars without selling it. The stock stays in the vault as collateral. A funded USDG pool covers the spend. The allowance is 5% of the locked value, so $10,000 of stock opens a $500 paycheck. Spending records a debt. Repaying clears it, and only then can the user withdraw the stock.
It is live on Robinhood Chain testnet, chain ID 46630. The app is at https://paytree-blush.vercel.app and the code is at https://github.com/cipherEncrypt/paytree. Vault: 0x93132433013E92F18F7850B80C4cB31Cd578B048. Testnet uses mock stock and mock USDG. Production would use Robinhood stock tokens and Paxos USDG.
<p>Built the product during this buildathon. Wrote PaytreeVault, MockStock, and MockUSDG, with deposit, allowance, spend, repay, and withdraw. Allowance is fixed at 5%. Added tests for the full flow, overspend, and withdraw-while-in-debt. Deployed to Robinhood Chain testnet and seeded the USDG pool. Shipped a wallet app that reads balances from the contracts and sends real transactions. Recorded a demo of lock, spend, and repay.</p>
<p>No funding yet. This is an early testnet product, built for the buildathon. Not raising right now. Next step is a mainnet version on Robinhood Chain with real stock tokens and Paxos USDG, then a small user pilot.</p>
