Our dApp, Unipay, offers a range of innovative features centered around decentralized payments and credit services. Key use cases include:

1. **Decentralized Payments (PayFi)**: Unipay allows users to make secure, seamless payments across multiple blockchains, providing a smooth user experience for both consumers and merchants. It integrates traditional payment methods like QR codes and NFC, making it accessible to everyday users.

2. **Decentralized Credit Cards**: Users can stake native assets like ETH or SOL to mint credit cards, with credit limits derived from the stablecoins generated through staking. Over time, 0.8% of the applied credit gets converted into unsecured lending, giving users greater financial flexibility.

3. **Merchant Solutions**: Unipay offers payment terminals for merchants, enabling them to accept payments in crypto and participate in the decentralized financial ecosystem. Merchants benefit from cashback incentives for both buyers and sellers.

### Differentiation:
Unipay stands out by combining decentralized credit card issuance with comprehensive merchant payment solutions, creating a fully integrated financial ecosystem. Its progressive unsecured lending model and ability to support real-world payment methods (QR codes, NFC) on-chain offer a unique advantage over traditional systems and existing blockchain solutions.