0xFrank

What if your money earned yield while you spent it - and every payment went directly from your wallet to the merchant's or your friend, with no one in between? No card network, no processor, no bank taking a cut. That's 0xFrank. Built on the most stable fiat currency on the planet.

Today's payment infrastructure is a cartel. Every time a customer taps their card at a small merchant - a coffee shop, a flower shop, a hairdresser - a silent coalition of actors takes their cut: the card network (Visa, Mastercard), the payment processor, the POS terminal provider, the acquiring bank. The merchant pays 1.5–3% per transaction, a monthly rental fee for hardware they don't own and waits days for settlement. For a small business operating on thin margins, this is not a minor inconvenience - it's a structural tax on commerce that nobody voted for, enforced by infrastructure that was never designed for them. 0xFrank tears this down and replaces it with what the blockchain was actually built for: direct, peer-to-peer value transfer between two parties, with no one in between.

With 0xFrank, a merchant opens the app on the device they already own, enters an amount and generates a payment request - no hardware terminal required, no processor contract, no card network, no monthly fee. The customer scans the QR code and pays directly, wallet-to-wallet, on-chain, in ZCHF. Settled instantly. Zero intermediary cost. This works equally for a café owner replacing their costly terminal or two friends splitting a bill in digital Swiss francs. ZCHF - Frankencoin - is a decentralized, over-collateralized on-chain Swiss franc. The Swiss franc is one of the world's most stable and trusted currencies, consistently outperforming the euro and dollar over decades. Frankencoin brings that stability on-chain.

But 0xFrank is more than a payment rail. It makes idle money productive. Every franc in a user's savings account automatically earns on-chain yield - no bank required, no lock-up, no approval process. Users move freely between their account for everyday spending and their savings account for yield generation, while the blockchain handles custody and yield accrual transparently and automatically. Your savings work for you around the clock, governed by code rather than a committee.

This is not a crypto experiment. This is what Swiss franc payments should have looked like from the beginning - built on public infrastructure, open to everyone, owned by no one.

0xFrank is built on Scaffold-ETH 2 (Foundry + Next.js), using the following stack and integrations:

• Scaffold-ETH 2 (Foundry + Next.js) The project foundation. WAGMI and viem for smart contract interaction, Next.js with Tailwind and daisyUI for the core webapp. The app runs two separate routes — /client for customers and /merchant for merchants — each with its own UX tailored to the use case.

• Frankencoin (ZCHF) the native currency of 0xFrank. ZCHF is a over-collateralized, oracle-free Swiss franc stablecoin deployed on Ethereum Mainnet. We integrated directly with the Frankencoin ERC-20 contract for balance reads and transfers and with the Frankencoin SavingsModule for the yield functionality.