T Chat Pay (referred to as TCP) is a licensed E-Money payment service provider endorsed by the Bank of Thailand (BOT), covering online and offline payment licenses across Thailand; issuing co-branded Bangkok Bank debit and credit cards with full functionalities; offering microcredit loans to users; facilitating utility bill payments for 200 local institutions in Thailand; providing mall membership prepaid card services for malls and small-to-medium enterprises, along with offline foreign exchange shops and instant online currency exchange.

Mission and Vision

T chat pay is dedicated to providing the public with a secure, convenient, and efficient digital asset trading platform. By bridging the gap between digital assets and the physical world, we enable everyone to use digital assets effortlessly anytime, anywhere, enriching application scenarios and promoting their service to business advancement and social development.

Project Advantages

One-stop Management
T chat pay consolidates multiple digital assets through a single wallet app, reducing the burden on users while also supporting new projects with wallet services, allowing project teams to focus more on core services.
Multilayer Security Measures
T chat pay provides multi-signature security and two-step authorization verification. Users can choose to verify transactions via SMS codes, fingerprints, or facial recognition, ensuring comprehensive protection for digital currency assets.
Multi-language Support
The T chat pay wallet app plans to support multiple languages from major digital currency markets such as Chinese, English, Thai, Japanese, and Korean, eliminating language barriers to create a world-class wallet application.

Application Scenarios

Cross-border E-commerce Shopping – When users shop on overseas e-commerce platforms and need to pay orders in foreign currencies, they simply bind their physical or virtual card to the corresponding e-commerce account, enabling them to top up their bank card with digital currency and complete payments using the card;
Overseas Travel Spending – When users travel abroad, they can recharge their physical bank card issued by T chat pay with digital currency, allowing them to spend and withdraw foreign currencies without the hassle of currency exchange;
Cross-border Remittances – Whether for studying, working abroad, or business transactions, cross-border transfers can be made through the T chat pay wallet using digital currency, enabling real-time spending or cash withdrawal by the recipient locally, with faster transfer speeds and lower fees compared to traditional service providers.

Technical Overview

Zero-Knowledge Proof
Zero-Knowledge Proof allows a prover to convince a verifier that a statement is true without revealing any useful information. T chat pay leverages zero-knowledge proof technology to achieve cross-chain and cross-smart contract capabilities.
SHA512-ZERO Cryptographic Algorithm
SHA (Secure Hash Algorithm) is a series of cryptographic hash functions designed by the National Security Agency (NSA) and published by the National Institute of Standards and Technology (NIST). Through customizing the SHA512 encryption technique, T chat pay has developed its exclusive SHA512-ZERO encryption technology, ensuring data security on the T chat pay network.
Ring Topology Hub
T chat pays Ring Topology Hub technology connects multiple chains to a single hub, enabling easy one-click cross-chain and conversion for digital asset terminals. The advantage of the ring topology lies in its resource consumption being significantly less than that of star or tree structures, especially evident with long distances and numerous nodes.
TCPBLOCK Technical Engine
The proprietary TCPBLOCK technical engine from T chat pay enables light wallets to achieve the ultimate in lightweight design. Currently, a significant issue with light wallets is the need to receive block information from blockchain networks, which results in substantial bandwidth usage due to data redundancy for security. Our approach is to make blockchain browsers our source of block data, eliminating the need for self-synchronization. However, this raises the question of how to ensure the accuracy of the data source. We have addressed this with the BCBP (Block Chain Browser Pool) design architecture.

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