# Paybrok

Paybrok is a non-custodial wallet and protected payment platform for people, merchants, freelancers, service providers, and local payment operators who need to use digital dollars in real life.

With Paybrok, a user can create a wallet, receive digital dollars, pay with QR, send funds, use local payment providers, protect a service payment with escrow, send money across routes where providers are available, and document disputes when something goes wrong.

> Paybrok helps people pay and get paid in digital dollars without giving up control of their wallet.

Spanish version: [docs/readme-es.md](docs/readme-es.md)

Official website: https://paybrok.com

Public documentation sitemap: https://paybrok.github.io/paybrok/sitemap.xml

## Why Paybrok Exists

Digital dollars are useful, but everyday payments still have friction:

- A client does not want to pay a contractor before the work is delivered.
- A contractor wants proof that the client has funds available.
- A person wants to pay a local QR but only has digital dollars.
- A merchant wants to charge with a link or QR instead of manually sending wallet addresses.
- A user wants to move value across countries with a local provider.
- A buyer and seller need a safer way to coordinate a P2P payment.

Paybrok brings these flows into one product: wallet, QR, P2P, escrow, service milestones, remittances, providers, disputes, and notifications.

## Why Paybrok Is Different

Paybrok is not just another wallet, and it is not just a P2P listing board. Its strength is that it connects the full payment journey in one product.

Many tools solve only one piece: storing funds, sending crypto, making QR requests, finding a local buyer, coordinating a remittance, or managing a service payment. Paybrok brings these layers together:

- Self-custody wallet.
- QR and payment links.
- Local providers.
- P2P liquidity.
- Escrow.
- Service milestones.
- Remittance-style flows.
- Disputes with evidence.
- Notifications.
- Provider review.
- Risk and sanctions controls.
- Local encrypted vault and local unlock protections.
- Brute-force protection concepts for sensitive unlock flows.

That combination is Paybrok's advantage: users can move from holding digital dollars to actually using them in real-world payments, with more structure and protection than an informal transfer or chat-based deal.

## What Users Can Do

### Wallet

- Create a Paybrok wallet.
- Restore a wallet with recovery words.
- View balances and wallet status.
- Send supported assets.
- Receive supported assets.
- Copy, share, or scan wallet/payment information.
- Review movement history.
- Use a web wallet with a local encrypted vault.
- Use Freighter as an advanced web option where supported.

### QR and Payment Links

- Create a QR to collect a payment.
- Create payment links.
- Scan payment QR codes.
- Open Paybrok payment links with pre-filled details.
- Use local QR flows when Paybrok can detect country, method, amount, merchant reference, or provider link.

### Paybrok Local

Paybrok Local connects digital dollars with local payment methods through approved providers.

Users can:

- Buy or sell digital dollars where liquidity is available.
- Choose country, asset, amount, and method.
- Match with local providers.
- Use escrow protection.
- Track order state.
- Open a dispute with evidence if needed.

### Protected Service Payments

Paybrok can protect service payments by splitting a project into milestones.

Example:

A client hires an architect for a 100 USDC job. Instead of paying everything upfront, the client can split the payment:

- 30 USDC for the initial concept.
- 40 USDC for the reviewed draft.
- 30 USDC for the final delivery.

Funds can be locked in escrow and released as work is delivered. If the work is not delivered, the client can open a dispute with evidence.

This can be useful for:

- Architecture.
- Design.
- Repairs.
- Construction.
- Consulting.
- Technology services.
- Freelance work.

### Remittances

Paybrok supports remittance-style flows through approved providers or bridges where available.

Users can:

- Choose a route.
- Choose amount and asset.
- Select a provider or delivery method when available.
- Lock funds in escrow.
- Confirm delivery or open a dispute.

### Providers and Merchants

Approved providers can support local liquidity, remittances, local QR payments, or service delivery.

Provider capabilities may include:

- Accepting local orders.
- Offering payment methods by country.
- Delivering local payments.
- Supporting remittance routes.
- Participating in protected service flows.
- Building operational reputation through completed orders.

### Disputes

Paybrok includes a dispute flow so users can document problems instead of relying only on informal chat.

Evidence may include:

- Screenshots.
- Payment receipts.
- Chat history.
- Delivery proof.
- Transaction hashes.
- Local payment references.

## Safety and Security

Paybrok is designed around self-custody.

- Paybrok does not ask users to send their seed phrase to Paybrok servers.
- Paybrok does not ask for recovery words by Telegram, email, chat, phone, or provider message.
- The web wallet uses a local encrypted vault.
- Sensitive actions require local unlock where applicable.
- Escrow helps reduce counterparty risk.
- Provider review, sanctions/risk controls, and dispute documentation support safer operations.

Users must keep their recovery words safe. If a user loses the device/browser storage and does not have recovery words, Paybrok cannot recover the wallet.

## What Paybrok Is Not

- Paybrok is not a bank.
- Paybrok is not a centralized exchange.
- Paybrok does not guarantee local liquidity or exchange rates.
- Paybrok does not guarantee that every provider, country, asset, or route is always available.
- Paybrok does not replace a formal legal contract for high-value services.
- Paybrok does not make users immune to fraud; it provides safer structure, escrow, evidence, and review flows.

## Documentation

- [Product Overview](docs/product-overview.md)
- [Product Overview ES](docs/product-overview-es.md)
- [Market Positioning](docs/market-positioning.md) / [Posicionamiento ES](docs/market-positioning-es.md)
- [Features](docs/features.md) / [Funciones ES](docs/features-es.md)
- [Capabilities](docs/capabilities.md) / [Capacidades ES](docs/capacidades-es.md)
- [Wallet](docs/wallet.md) / [Wallet ES](docs/wallet-es.md)
- [P2P and Escrow](docs/p2p-escrow.md) / [P2P y Escrow ES](docs/p2p-escrow-es.md)
- [Protected Service Payments](docs/service-contracts.md) / [Servicios ES](docs/service-contracts-es.md)
- [Local QR Payments](docs/local-qr-payments.md) / [QR Local ES](docs/local-qr-payments-es.md)
- [Remittances](docs/remittances.md) / [Remesas ES](docs/remittances-es.md)
- [Providers](docs/providers.md) / [Proveedores ES](docs/providers-es.md)
- [Security](docs/security.md) / [Seguridad ES](docs/security-es.md)
- [Compliance](docs/compliance.md) / [Compliance ES](docs/compliance-es.md)
- [FAQ](docs/faq.md) / [FAQ ES](docs/faq-es.md)
- [Public Roadmap](docs/roadmap.md) / [Roadmap ES](docs/roadmap-es.md)

## Status

Paybrok is in active development and beta preparation. Feature availability can vary by platform, country, asset, provider liquidity, compliance review, and operational configuration.

## Public Contact

- Website: https://paybrok.com
- Support: support@paybrok.com
- Legal: legal@paybrok.com
- Privacy: privacy@paybrok.com
- Compliance: compliance@paybrok.com