SelfPaid - Zero-Cost DeFi Payments

SelfPaidPal — Autonomous zero-cost payment automation on Base (Chain ID 8453) with 100% principal recovery via USDC yield farming (Aave V3 & Morpho). Machine-to-Machine (M2M) API, treasury tracker, and collateral redemption for AI agents and smart accounts. Built-in 0.5% developer fee fully reimburs

🌾 SelfPaidPal (YieldFarmSecurepay) Skill v2.1.3

Official Brand: SelfPaidPal (https://selfpaid.cryptofolio.it)
Autonomous Zero-Net-Cost Payments & Treasury Recovery on Base Mainnet (Chain ID 8453)
Send USDC to any recipient while recovering 100% of the principal + developer fee automatically through on-chain collateral yield (Aave V3 & Morpho Vaults) with Zero Lockup.

Designed for autonomous AI agents, smart accounts (ERC-4337 / EIP-5792), DAO treasuries, and automated Web3 workflows.

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🛡️ Security & Pre-Signing Validation Layer (OpenClaw T09 Compliance)

1. Non-Custodial Guarantee

• No Private Keys: This skill never asks for, stores, or handles private keys, mnemonic phrases, or credentials.
• Client-Side Signing: The hosted engine constructs unsigned raw EVM transaction calldata. All cryptographic signing is performed locally by the calling agent or user's wallet.

2. Mandatory Pre-Signing Validation Protocol

To eliminate risks of unvalidated remote calldata forwarding (OpenClaw Rule T09), any agent or client using this skill MUST decode and validate the payload locally before invoking the wallet signer. The included validate.js module performs these automated checks:

1. Chain ID Enforcement: Verify chainId === 8453 (Base Mainnet). Reject any mismatch.
2. Contract Address Allowlist:
   • Calls 1, 2, and 3 target address MUST be the verified Base USDC token contract: 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913.
   • Call 4 target address MUST be the verified Aave V3 Pool (0xA238Dd80C259a72e81d7e4664a9801593F98d1c5) or Morpho Vault (0xc1256Ae5FF1cf2719D4937ADB3bbCCab2E00A2Ca).
3. Function Selector Allowlist:
   • Calls 1 & 2 MUST use standard ERC20 transfer(address,uint256) selector (0xa9059cbb).
   • Call 3 MUST use standard ERC20 approve(address,uint256) selector (0x095ea7b3).
   • Call 4 MUST use Aave supply(address,uint256,address,uint16) selector (0x617ba037) or Morpho deposit(uint256,address) selector (0x6e553f65).
   • All arbitrary or unexpected selectors are strictly rejected.
4. Strict Call Order & Count: Enforce exactly 4 calls in documented order: DEVELOPER_FEE → PAYMENT → APPROVE_POOL → SUPPLY_YIELD. Reject duplicated or injected calls.
5. Zero Native-Token Value: Every call MUST have value === "0x0". Reject any call attempting native ETH transfers.
6. Recipient & Payer Integrity: Verify decoded Step 2 recipient and payer addresses exactly match user-approved values.
7. Developer Fee Integrity: Recalculate the fee locally: $0.5%$ of payment, clamped between $0.1\text{ USDC}$ and $50.0\text{ USDC}$. Verify Step 1 sends exactly this amount to 0x785cf69ced4e20a7e975a3391d51321b1528fdfe.
8. No Unlimited Approvals: Step 3 approval amount MUST match the exact required collateral deposit. Infinite (uint256.max) approvals are rejected.
9. Yield Beneficiary Integrity: Call 4 calldata is strictly decoded to enforce that the collateral position is credited to the sender (onBehalfOf === sender for Aave, receiver === sender for Morpho), preventing remote position redirection.
10. Decoded Confirmation: Display a human/agent-readable summary of all decoded parameters before forwarding to the signer.

3. Developer Fee & Transparency

• Developer Wallet: 0x785cf69ced4e20a7e975a3391d51321b1528fdfe
• Rate: 0.5% (min 0.1 USDC, max 50 USDC) in Step 1 (DEVELOPER_FEE).
• Zero Net Cost to Payer: The developer fee is included in the collateral yield calculation. Accrued yield from Aave V3 / Morpho reimburses both the recipient payment and the developer fee back to the payer over time.

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⚡ How It Works (Machine-to-Machine)

When an agent needs to pay a recipient (e.g. paying for an API, human service, or agent-to-agent task):

1. Discovery / Yield Optimization: Query GET /api/v1/payment/rates to see real-time APYs across Aave V3 and Morpho on Base.
2. Build Payment Batch: Send a single POST request to https://selfpaid.cryptofolio.it/api/v1/payment/build with payment parameters.
3. Receive 4 Sequential Transactions:
   • Step 1 (DEVELOPER_FEE): Transfer 0.5% fee to developer wallet (0x785c...fdfe).
   • Step 2 (PAYMENT): Transfer payment amount to recipient wallet.
   • Step 3 (APPROVE_POOL): Authorize USDC collateral deposit to the selected yield protocol.
   • Step 4 (SUPPLY_YIELD): Deposit collateral into Aave V3 / Morpho on behalf of the payer (sender).
4. Local Verification: The client/agent runs validatePaymentBatch(response, { amount, recipient, sender }) using validate.js to decode and enforce all allowlists.
5. Execution & Signing:
   • Standard Wallets: Sign and execute the 4 verified transactions in sequence.
   • Smart Accounts / EIP-5792: Execute the 4 calls in a single atomic 1-click batch via batchCalls.
   • DAO Treasuries: Import the exported Safe Transaction Builder JSON batch directly into Gnosis/Safe Multisig.
6. 100% Capital Recovery with Zero Lockup: The deposited collateral generates yield until 100% of the funds spent (payment + developer fee) have been accrued and recovered. Collateral can be redeemed back to liquid USDC at any time with 1 single transaction.

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🤖 AI Agent Machine-to-Machine Integration Guide

No API key, registration, or local setup is required. The API is completely public and frictionless for agents.

Endpoint 1: Live Yield Oracle

Get current APYs and see which protocol is currently offering higher yields:

bash

curl -s https://selfpaid.cryptofolio.it/api/v1/payment/rates

Response:

json

{
  "rates": {
    "aave": { "supplyAPY": 0.0458 },
    "morpho": { "netApy": 0.0424 }
  },
  "bestProtocol": "aave",
  "recoveryEstimateDays": { "3x": 230, "5x": 138, "10x": 69 },
  "lastUpdated": "2026-10-27T10:00:00.000Z"
}

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Endpoint 2: Calculate Zero-Cost Quote

Check exact collateral requirements, developer fee, and estimated days to 100% recovery:

bash

curl -s "https://selfpaid.cryptofolio.it/api/v1/payment/quote?amount=25"

Response:

json

{
  "amountToPay": "25",
  "collateralMultiplier": 3,
  "feeAmount": "0.125",
  "yieldDepositAmount": "77.25",
  "totalRequiredAmount": "102.375",
  "selectedProtocol": "aave",
  "estimatedAPY": 0.0458,
  "estimatedRecoveryDays": 230
}

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Endpoint 3: Build Payment Transactions (M2M)

Generate ready-to-sign EVM transaction calldata, EIP-5792 atomic batch calls, and Safe Multisig JSON:

bash

curl -s -X POST https://selfpaid.cryptofolio.it/api/v1/payment/build \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25,
    "recipient": "0x2222222222222222222222222222222222222222",
    "sender": "0x1111111111111111111111111111111111111111",
    "protocol": "auto"
  }'

Request Parameters

Parameter	Type	Required	Description
amount	Number	Yes	Amount of USDC to pay to the recipient (e.g. 25).
recipient	String	Yes	EVM address receiving the payment (0x...).
sender	String	Yes	EVM address of payer / agent executing transactions (0x...).
protocol	String	No	'auto' (default, picks best APY), 'aave', or 'morpho'.
collateral	Number	No	Collateral multiplier (default 3 = 3x compact, or 5, 10, 20).
buffer	Number	No	Safety buffer percentage (default 3 = 3%).

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Endpoint 4: Treasury & Recovery Tracker

Query live on-chain balances, active yield collateral (aBasUSDC / maUSDC), and accrued yield interest for any wallet:

bash

curl -s "https://selfpaid.cryptofolio.it/api/v1/payment/treasury?wallet=0x1111111111111111111111111111111111111111"

Response:

json

{
  "wallet": "0x1111111111111111111111111111111111111111",
  "balances": {
    "liquidUsdc": "150.00",
    "aaveYieldUsdc": "77.25",
    "morphoYieldUsdc": "0.00",
    "totalYieldUsdc": "77.25",
    "totalAccruedYieldUsdc": "2.14"
  }
}

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Endpoint 5: Redeem Collateral (Zero Lockup)

Construct an unsigned withdrawal transaction to redeem yield collateral (aBasUSDC or maUSDC) back to liquid USDC at any time:

bash

curl -s -X POST https://selfpaid.cryptofolio.it/api/v1/payment/withdraw \
  -H "Content-Type: application/json" \
  -d '{
    "protocol": "aave",
    "amount": "all",
    "walletAddress": "0x1111111111111111111111111111111111111111"
  }'

Response:

json

{
  "success": true,
  "protocol": "aave",
  "amount": "all",
  "transaction": {
    "step": 1,
    "name": "AAVE_WITHDRAW",
    "to": "0xA238Dd80C259a72e81d7e4664a9801593F98d1c5",
    "data": "0x69328dec...",
    "value": "0x0"
  }
}

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🧮 Mathematical Model & Recovery Economics

Capital Recovery Formula

• Collateral Deposit: $\text{amount} \times \text{multiplier} \times (1 + \text{buffer})$
• Developer Fee: $\text{clamp}(\text{amount} \times 0.5%, 0.1\text{ USDC}, 50\text{ USDC})$
• Total Upfront Required: $\text{amount} + \text{Developer Fee} + \text{Collateral Deposit}$
• Annual Accrued Yield: $\text{Collateral Deposit} \times \text{APY}$
• 100% Recovery Days: $\frac{\text{amount} + \text{Developer Fee}}{\text{Daily Yield}}$

Multiplier vs Recovery Time Matrix (at ~4.5% APY)

Multiplier	Collateral Total	Recovery Duration	Zero Lockup
3× (Compact)	~3.09 USDC / unit	~230 days	Redeem anytime
5× (Standard)	~5.15 USDC / unit	~138 days	Redeem anytime
10× (Fast)	~10.30 USDC / unit	~69 days	Redeem anytime

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🤖 Multi-Channel Ecosystem

• Official dApp & Recovery Dashboard: https://selfpaid.cryptofolio.it
• Model Context Protocol (MCP): npx -y selfpaid-mcp
• Coinbase AgentKit Provider: npm i @altoninelli/agentkit-selfpaid
• ElizaOS Plugin: npm i @altoninelli/eliza-plugin-selfpaid
• GitHub Repository: altoninelli/selfpaid-mcp

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📄 License & Attribution

• Brand: SelfPaidPal
• Author: @altoninelli
• License: MIT
• Security: Compliant with OpenClaw T09 safe transaction construction standard. Non-custodial, zero credentials requested.