Unipay contributes significantly to the Ethereum network's infrastructure by enhancing its financial services layer, particularly through decentralized payments and credit offerings. Here are some specific contributions and potential metrics:

On-Chain Credit and Lending: Unipay introduces decentralized credit cards on Ethereum, where users can stake ETH to mint credit limits in stablecoins. This adds a unique financial utility to the Ethereum ecosystem, allowing users to access credit services without traditional banking intermediaries. By leveraging smart contracts, we ensure that credit issuance, collateral management, and repayments are all handled transparently and securely on-chain.
Merchant Payment Solutions: Unipay enables merchants to accept Ethereum-based payments using QR codes, NFC, and other easy-to-implement tools. This expands the use case for Ethereum as a payment network, driving on-chain transaction volume and increasing Ethereum’s role in real-world financial applications.
Progressive Unsecured Lending: Our system allows users to gradually build unsecured credit based on their Ethereum transaction history and repayment behavior. This creates a decentralized credit economy directly on Ethereum, encouraging more frequent and responsible interactions with the network.
Metrics (Potential Impact):
Increased Transaction Volume: As users stake ETH and transact using Unipay credit cards and payment services, it will drive more activity on Ethereum, increasing both the number of transactions and the total value locked (TVL) in our smart contracts.
Merchant Adoption: By onboarding more merchants to accept Ethereum-based payments, Unipay will expand Ethereum’s utility beyond DeFi into real-world commerce, contributing to the network’s broader adoption.
DeFi Integration: Unipay’s credit and payment solutions will integrate with existing DeFi protocols, further strengthening the Ethereum DeFi ecosystem by introducing more use cases for lending, borrowing, and payments.
Through these contributions, Unipay adds both transactional and infrastructural value to the Ethereum network, enhancing its role in decentralized finance and real-world applications.