Paybrok

Paybrok Capabilities

This document summarizes the public capabilities of Paybrok without exposing private source code, internal infrastructure, secrets, keys, or operational security details.

1. Non-Custodial Wallet

Paybrok lets users create or restore a Stellar wallet.

Capabilities:

• Create a wallet.
• Restore a wallet with recovery words or a Stellar secret key.
• View balances.
• View public wallet address.
• Send supported assets.
• Receive supported assets.
• Scan QR codes.
• Generate payment QR codes and links.
• View movement history.
• Keep custody of wallet credentials locally.

Security principle:

Paybrok does not ask users to send their seed phrase to Paybrok servers.

2. Web Wallet

Paybrok includes a browser-based wallet mode.

Capabilities:

• Create a Paybrok web wallet.
• Encrypt the seed locally in the browser with a user-created password.
• Unlock the wallet locally for sensitive actions.
• Recover wallet state if browser metadata is partially lost but the encrypted vault remains.
• Use Freighter as an advanced external signer where supported.

Limitations:

• If a browser deletes all site storage, including the encrypted vault, the user must restore with recovery words.
• Different browsers on the same device may not share the same local vault.

3. QR Payments and Collection

Paybrok supports QR-based payments and collection.

Capabilities:

• Generate payment QR codes.
• Generate payment links.
• Scan QR codes.
• Detect payment information when available.
• Support local QR payment flows where the QR includes a provider link, merchant reference, amount, or method.

4. P2P Local Market

Paybrok Local connects users who need digital dollars or local money with approved providers.

Capabilities:

• Create local buy/sell orders.
• Filter by country, asset, amount, and payment method.
• Match with providers.
• Use escrow protection.
• Track order state.
• Open disputes when needed.
• Notify parties about important order events.

5. Escrow Protection

Escrow is used to reduce counterparty risk.

Capabilities:

• Lock funds during an order.
• Release funds when conditions are met.
• Hold funds while a dispute is reviewed.
• Support partial/milestone releases where enabled.
• Use Soroban escrow where configured and available.

6. Protected Service Payments

Paybrok can be used to pay for services by milestones.

Examples:

• Architecture plans.
• Design work.
• Repairs.
• Construction tasks.
• Consulting.
• Technology services.

Capabilities:

• Define service category.
• Define service title and details.
• Set total amount.
• Split the amount into milestones.
• Use escrow to avoid paying everything upfront.
• Release funds as work is delivered.
• Open a dispute with evidence if something goes wrong.

7. Remittances

Paybrok supports remittance-style flows through approved local bridges.

Capabilities:

• Choose origin and destination route.
• Choose asset and amount.
• Select delivery method when available.
• Lock funds in escrow.
• Let a bridge/provider deliver locally.
• Release or dispute depending on delivery.

8. Providers and Merchants

Approved providers can support local liquidity and payment delivery.

Capabilities:

• Provider application/review flow.
• Provider profile and operational details.
• Local payment methods.
• Country and method-specific liquidity.
• Reputation and dispute history concepts.
• Provider panel and operational tools where enabled.

9. Notifications

Paybrok supports notifications for operational events.

Capabilities:

• Order updates.
• Dispute events.
• Provider/order status changes.
• Wallet-related notices where supported.
• Web local notification registration.
• Mobile push notification support where available.

10. Compliance and Safety

Paybrok includes public-facing and operational controls for responsible use.

Capabilities:

• Terms of Service.
• Privacy Policy.
• AML/CTF Policy.
• Arbitration notice.
• Sanctions and risk controls.
• Abuse monitoring.
• Dispute documentation.
• Provider review.
• Support/admin review workflows.