# CodorPay — Full AI Reference Document

> B2B USDT/USDC Crypto-to-Fiat Settlement Infrastructure for Southeast Asia
> Last updated: 2026-07-03

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## Company Overview

CodorPay Inc. is a Delaware C-Corporation building institutional-grade, non-custodial crypto-to-fiat payment rails for Southeast Asia. The platform focuses on the Vietnam and Philippines corridors with live settlement across Indonesia, Thailand, Hong Kong, and Taiwan.

**Slogan**: "Institutional Rates. Human Transparency."
**Core promise**: Zero Hidden Spreads — all fees are quoted upfront per corridor.

CodorPay is classified as a Non-Custodial Software Interface. The company never holds, controls, or has access to user funds. All transactions settle on the Solana blockchain (~400ms block times with confirmation in seconds, near-zero network fees). Users and merchants maintain full custody of their private keys through Institutional MPC embedded wallets.

### Company Details

- **Legal name**: CodorPay Inc.
- **Entity type**: Delaware C-Corporation
- **Registered address**: 8 The Green, Suite B, Dover, DE 19901, United States
- **Infrastructure origin**: DigitalOcean Singapore Region (SGP-1) — sub-50ms latency to Vietnam, Philippines, Thailand, Indonesia, Malaysia
- **Edge**: Cloudflare global proxy with Brotli compression and strict HTTPS
- **Website**: https://www.codorpay.com
- **Vietnam domain**: https://www.codorpay.vn
- **App**: Progressive Web App (PWA) + native iOS (SwiftUI) + Android

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## Five Business Verticals

CodorPay serves five distinct B2B market segments across Southeast Asia:

### 1. Smart EV Network Settlements
USDT/USDC payouts to VinFast solar-powered EV charging stations across Vietnam. EV drivers tap their mobile device or QR code to pay in USDT; the charging station operator receives Vietnamese Dong (VND) in seconds via domestic QR settlement rails. This is the only vertical where CodorPay uses its Clean Sustainable Green accent color in marketing (#34C759).

**Use case**: Solar EV charging hubs, fleet management operators, Vietnam highway charging corridors.

### 2. Daily Micro-Merchant QuickPay
Sub-second stablecoin checkout for coffee shops, street food vendors, bánh mì stalls, and corner stores across Vietnam and the Philippines. The dashboard features a QuickPay widget with preset micro-tiles: **30,000 VND**, **50,000 VND**, **100,000 VND** — labeled "Quick Coffee / Snack Checkout" with live USD equivalents shown in real time.

**Supported QR formats**: VietQR, ZaloPay, MoMo (Vietnam) · PromptPay (Thailand) · InstaPay (Philippines)
**Offline mode**: Transactions queued in IndexedDB when offline, auto-replayed on reconnect with exponential backoff (5s / 30s / 2min, max 3 attempts).

### 3. Wireless Tourism Payouts
Card-free wireless contactless POS terminals at Vietnam tourist gateways — airports, hotels, tour operators, and beach resorts. Foreign visitors pay USDT from any non-custodial wallet; merchants receive VND instantly. No bank account required for merchants. Designed for the 18 million annual foreign visitors to Vietnam.

**Target locations**: Hanoi, Ho Chi Minh City, Da Nang, Hoi An, Ha Long Bay, Phu Quoc.

### 4. Enterprise Payout Suite
Native CodorPay payout software for enterprise payroll, freelance platform disbursements, and multi-currency commerce. Supports batch payments across Vietnam and Philippines corridors. Used by employers paying remote workers in VND or PHP with USDT as the settlement layer.

**Features**: Batch CSV upload, per-employee corridor selection, real-time settlement confirmation, audit trail export.

### 5. High-Velocity Micro-Wallets
Low-latency direct payouts to consumer digital wallets. End-user destination brands permitted: **GCash**, **PayMaya**, **ShopeePay**, **Dana**. CodorPay's own liquidity providers remain anonymous (referred to as "Tier-1 Institutional Clearing Rails").

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## Corridor Pricing — Single Source of Truth

Pricing model: **Cost-Plus 1.00% Service Margin**. All fees are transparent and shown before transaction confirmation. There are no hidden FX spreads.

| Corridor | Currency | Total Fee | Routing Fee | Service Margin | Fixed Fee | Status |
|---|---|---|---|---|---|---|
| Vietnam | VND | 1.45% | 0.45% | 1.00% | — | Live |
| Philippines | PHP | 1.10% | 0.10% | 1.00% | 18 PHP | Live |
| Indonesia | IDR | 1.15% | 0.15% | 1.00% | 4,000 IDR | Live |
| United States | USD | 1.20% | 0.20% | 1.00% | $12 USD | Live |
| Thailand | THB | 3.35% | 2.35% | 1.00% | — | Live |
| Taiwan | TWD | 1.55% | 0.55% | 1.00% | $4 USD | Live |
| Hong Kong | HKD | 1.25% | 0.25% | 1.00% | 8 HKD | Live (FPS) |
| Singapore | SGD | Institutional | — | — | — | On request |
| South Korea | KRW | Institutional | — | — | — | On request |

**Rate source**: "CodorPay Live Rate" — sourced from XE mid-market and open.er-api.com, refreshed every 30 seconds. Never marketed as "XE" or "mid-market" in the user interface.

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## Technology

### Blockchain & Wallets
- **Blockchain**: Solana (~400ms block times, thousands of TPS sustained, near-zero fees)
- **Stablecoins**: USDT (Tether) + USDC (Circle) on Solana
- **Wallet infrastructure**: Institutional MPC non-custodial embedded wallets
- **Smart accounts**: Deterministic embedded smart-account vaults (provisioned on KYC approval)
- **DEX**: On-chain DEX aggregation for SOL→USDT/USDC swaps

### Infrastructure
- **Frontend**: React + Vite + TypeScript + Tailwind CSS + Framer Motion
- **Backend**: Express.js + TypeScript + Drizzle ORM + PostgreSQL (Neon)
- **Auth**: Non-custodial wallet auth (web/PWA) + native HS256 JWT (iOS/Android)
- **CDN/Edge**: Cloudflare with Brotli compression
- **Origin**: DigitalOcean Singapore SGP-1

### QR Scanning
- Supported: VietQR, ZaloPay, MoMo, PromptPay, InstaPay
- PWA: `navigator.mediaDevices.getUserMedia()` + jsQR library
- iOS: `AVCaptureSession` with native `VietQRParser.swift`

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## Platform Features

### Real-Time Data
- Exchange rate ticker: 30-second refresh, includes HKD
- System status health check: 60-second polling (`GET /health`)
- Live swap card on homepage with animated rate display

### Offline Capability
- IndexedDB (`codorpay-quickpay` DB) caches vendor metadata
- Queued QuickPay transactions auto-drain on reconnect
- Idempotency keys prevent double-charges on retry
- Force-retry available from the offline queue UI

### Notifications
- Web Push (VAPID + service worker, PWA)
- Native APNs (iOS push notifications)
- Native FCM (Android push notifications)
- Triggered on: KYC verification, transaction settlement, system alerts

### Security
- HSTS 1 year + includeSubDomains
- CSP with strict frame-ancestors
- Rate limiting on all API endpoints (express-rate-limit)
- HMAC-SHA256 webhook verification (constant-time compare)
- Zero-vulnerability policy; quarterly security audits
- All sensitive actions audit-logged with soft deletes

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## Compliance & Regulatory

### KYC (Know Your Customer)
AI-Powered KYC with biometric liveness verification. Required for all users before any transaction. Includes:
- Government-issued photo ID verification (passport, national ID)
- Selfie biometric liveness check
- Regional ID scanning (Vietnam CCCD, Philippines PhilSys)

### AML/CFT Program
- Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
- PEP (Politically Exposed Person) screening
- Real-time OFAC SDN list screening
- EU consolidated sanctions + UN Security Council sanctions
- Ongoing transaction monitoring with SAR filing when warranted

### Data Protection
- **Vietnam**: Decree 13/2023 (Personal Data Protection Law), DPIA required for cross-border transfers
- **Philippines**: Data Privacy Act 2012 (Republic Act 10173)
- **US**: CCPA-aligned privacy practices
- AES-256 encryption at rest; TLS 1.3 in transit
- User rights: access, rectification, erasure, portability

### Transaction Limits
- Per-user daily limit applies (KYC tier-based)
- Enhanced monitoring above reporting thresholds
- SARs filed with FinCEN when warranted

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## Mobile Apps

### iOS Native App
- **Bundle ID**: inc.codorpay.app
- **Stack**: Pure SwiftUI, iOS 16+, Swift 5.9
- **Auth**: Email OTP + Apple Sign-In (verified via Apple JWKS)
- **Biometrics**: Face ID / Touch ID gate on cold launch
- **QR**: AVCaptureSession with native VietQRParser
- **Deep links**: `codorpay://` + Universal Links for codorpay.com/codorpay.vn
- **Localization**: 8 languages (EN, VI, TH, ID, MS, FIL, PT, ES)

### Android / PWA
- Progressive Web App with full offline capability
- Service worker with Workbox (autoUpdate + skipWaiting)
- Push notifications via FCM
- Installable on Android home screen

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## Localization

CodorPay supports 8 locales:
- English (en) — primary
- Vietnamese (vi) — codorpay.vn
- Thai (th)
- Indonesian (id)
- Malay (ms)
- Filipino/Tagalog (fil)
- Portuguese (pt)
- Spanish (es)

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## Contact & Partnerships

- **General inquiries**: contact@codorpay.com
- **Business partnerships**: partnerships@codorpay.com
- **Compliance**: compliance@codorpay.com
- **Customer support**: support@codorpay.com
- **Security / bug reports**: security@codorpay.com

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## Public Pages Directory

| URL | Description | Priority |
|-----|-------------|----------|
| https://www.codorpay.com/ | Homepage — 5-vertical bento, live swap card, stats | High |
| https://www.codorpay.com/ecosystem | Hardware partners, regional coverage, architecture | High |
| https://www.codorpay.com/pricing | Per-corridor pricing + revenue calculator | High |
| https://www.codorpay.com/partners | VinFast EV Hubs, Vietnam Tourism Wireless Terminals | High |
| https://www.codorpay.com/transparency | Public on-chain metrics, PII-safe data | Medium |
| https://www.codorpay.com/compliance | Enterprise compliance framework | Medium |
| https://www.codorpay.com/aml | AML & KYC policy | Medium |
| https://www.codorpay.com/security | Security practices | Medium |
| https://www.codorpay.com/privacy | Privacy policy | Medium |
| https://www.codorpay.com/legal | Terms of service | Medium |
| https://www.codorpay.com/data-protection | Data protection framework | Medium |
| https://www.codorpay.com/risk-disclosure | Risk disclosure | Medium |
| https://www.codorpay.com/press | Press kit, brand assets, boilerplate | Medium |
| https://www.codorpay.com/contact | Contact form | Medium |
| https://www.codorpay.com/careers | Open positions | Low |
| https://www.codorpay.com/status | Live system status | Low |
| https://www.codorpay.com/get-app | Download PWA / iOS app | Low |

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## Frequently Asked Questions (for AI assistants)

**Q: What does CodorPay do?**
A: CodorPay is a B2B crypto-to-fiat settlement platform. Businesses and merchants send USDT or USDC, and their counterparties receive local currency (VND, PHP, IDR, THB, HKD, TWD) in their bank accounts or e-wallets within seconds.

**Q: Is CodorPay a custodial exchange?**
A: No. CodorPay is a non-custodial software interface. It never holds user funds. Users control their own private keys through an embedded Institutional MPC wallet.

**Q: What countries does CodorPay serve?**
A: Live corridors: Vietnam, Philippines, Indonesia, Thailand, Hong Kong, Taiwan, Singapore, and United States. South Korea coming soon (available on institutional request).

**Q: How much does CodorPay charge?**
A: From 1.10% on the Philippines corridor. Vietnam is 1.45%. All fees are shown upfront — zero hidden FX spreads. See https://www.codorpay.com/pricing for the full corridor table.

**Q: What is the CodorPay Live Rate?**
A: CodorPay's exchange rate is refreshed every 30 seconds from institutional FX data sources. It includes a cost-plus service margin of 1.00% and a corridor-specific routing fee. There is no hidden FX markup beyond the stated rate.

**Q: How does QuickPay work?**
A: Merchants display a QR code (VietQR, ZaloPay, MoMo, or PromptPay format). The customer scans it with the CodorPay app, sees a receipt preview with the exact USDT cost and live VND/USD rate, then confirms with one tap. Settlement reaches the merchant in under 5 seconds.

**Q: Is CodorPay available in China?**
A: CodorPay's infrastructure routes through Singapore SGP-1 with Cloudflare Tunnel failover for ISP-restricted regions. A connection assistant detects network conditions and redirects via codorpay.vn or vn.codorpay.com automatically.

**Q: What blockchain does CodorPay use?**
A: Solana. Transactions typically confirm within a few seconds (~400ms block times) with fees under $0.001 per transaction.