Executive Summary
Making Nervos the most accessible blockchain network for everyday users by embedding CKB wallets directly into WhatsApp conversations. No separate apps, complex seed phrases, or exchange accounts required.
The Opportunity: WhatsApp is the world’s most-used messaging platform with over 2.6 billion users. By embedding Nervos CKB payments directly into conversations (copying WeChat Pay’s $3.6T transaction playbook), we transform an existing daily habit into instant financial access for underserved markets globally.
What We’re Building: A WhatsApp bot that creates non-custodial Nervos wallets, enabling instant peer-to-peer CKB transactions through simple chat commands. Users can be onboarded in under 30 seconds by saving the “Nervos ChatPay” contact, using phone numbers as payment identifiers instead of long wallet addresses.
Strategic Impact
This transforms CKB from a blockchain asset into a mainstream digital currency with more real-world utility. It expands the Nervos ecosystem by:
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Creating a frictionless on-ramp for new users
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Driving organic adoption through social interaction
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Bridging social communication and decentralized finance
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Positioning CKB for global remittances and merchant payments
Phase 1 requested: $19,000 USD in CKB (latest price will apply at issuance)
Payment terms: Across 3 milestones. Development period 3 months
About Us
Build Union LTD is a collective of developers, designers, and strategists focused on Web3 tooling, DAO infrastructure, and decentralized governance. We operate as an integrated unit to deliver high-impact, production-grade applications.
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Company number: 16676071
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Incorporated: England and Wales
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Recent Work: Built the Grant Tracking Platform for the Nervos ecosystem
The Problem
Despite a decade of innovation, cryptocurrency adoption has plateaued because the onboarding experience is broken. Most new users find blockchain applications intimidating and difficult to use.
Current Barriers
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Must download separate wallet applications
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Multi-step onboarding processes
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Complex onboarding concepts: private keys, seed phrases, gas fees
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Fear of making irreversible mistakes with lengthy wallet addresses
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No seamless integration into existing social habits
The result? Over 94% of the world’s population has never used cryptocurrency, not because they don’t want better financial tools, but because the entry point is too steep.
Why WeChat Pay Works: Proven Success
However, looking at TradFi, over 900 million users now make payments through WeChat because it meets them where they already are.
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No app-switching friction—everything happens in one familiar interface
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Social integration—payments become part of everyday conversation
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Merchant adoption—businesses accept payments where customers already chat
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Network effects—more users attract more merchants
The Solution: CKB ChatPay
To achieve mainstream adoption, Nervos must meet users where they already are—inside familiar, everyday apps like WeChat Pay does. While confusing public keys and wallet addresses are an obstacle, most people already trust and accept phone numbers as identifiers. Hence, using a chat-based system, users can send payments as naturally as sending a message, even to contacts who haven’t yet joined the protocol. This provides a truly frictionless entry point for new users.
This is why we propose the development of a WhatsApp-integrated payment experience enabling users to send and receive CKB seamlessly within everyday conversations.
How It Works
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Save the “Nervos ChatPay” contact on WhatsApp
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Open the chat
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Ask ChatPay bot to send or request money instantly
Key Features
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Peer-to-peer transactions: Send CKB directly to contacts, similar to WeChat’s “red envelope” feature
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Simple buying: Purchase CKB directly in WhatsApp using local currency (via crypto on-ramp integration)
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No separate app: Lightweight wallet accessible within chat through text commands
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Social engagement: Gifting, community tipping, referral rewards for growth virality
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Natural social payments: Split bills, send gifts, request payment with a message
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Merchant payments: QR codes via WhatsApp Business
Technical Foundation
The system operates as a WhatsApp Business API integration with:
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Pin code authentication for transaction approval
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Display balance and price in local currency
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End-to-end encryption maintained
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Nervos CKB blockchain for settlement
Why Nervos CKB
Technical Advantages
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CKB’s modular Layer 1 + Fiber Network (Lightning) architecture**:** enables fast, scalable messaging-based payments through off-chain channels with on-chain settlement.
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Interoperability: Flexible architecture supports future multi-asset payments
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Security: Proof-of-Work consensus provides institutional-grade security
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Low Fees: Competitive transaction costs make micropayments viable
Market Position
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Market cap: ~$160–210M (positioned for growth)
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Daily volume: $5–6M (healthy liquidity)
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Listed on major exchanges: Binance, KuCoin
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Strong technical foundation with institutional backing
Why Now
Market Timing: Three Factors Have Aligned
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WhatsApp Business API maturity—Meta has opened advanced messaging features for businesses
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User readiness—Accelerated digital payment adoption has primed users to expect seamless mobile experiences
Competitive Landscape
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Traditional remittance services (such as Western Union and MoneyGram) charge 5–10% and can take days. Bank transfers are expensive internationally.
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Dedicated crypto wallets require app downloads that 99% of users are unlikely to commit to.
Strategic Positioning
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WhatsApp is already installed on 2+ billion devices
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Social context makes payments natural, not technical
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First-mover advantage in WhatsApp crypto-messaging integration
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Network effects compound as users join
Proven model: Copy the WeChat model to the global stage with cryptocurrency’s added benefits: borderless transfers, financial inclusion, and censorship resistance.
Execution Plan
Vietnam Pilot (Part of Phase 1)
Vietnam is chosen for high WhatsApp usage and growing crypto adoption.
Pilot Plan:
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Recruit 20–30 users aged 18–35 for a 2-week test
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Partner with 5–10 small merchants (cafés, food vendors)
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Measure onboarding time, transaction reliability, and user satisfaction
Goals:
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Validate chat-based onboarding is easier than wallet-based systems
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Test real purchase flows using CKB
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Collect user feedback on pricing visibility, usability, and trust
This pilot will provide real-world usability data to refine the mainnet product and guide a broader rollout in other markets.
Phase 1: Foundation (Month 1)
Goal: Demonstrate technical feasibility and user interest
Deliverables:
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WhatsApp bot with (create wallet functionality, view balance, send/receive on testnet)
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Closed beta with 50–100 community members
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Analytics Dashboard + SDK for Nervos user engagement
Success Metrics:
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<30 seconds average time to complete first transaction
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Zero critical security vulnerabilities
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Positive feedback on UX simplicity
Budget Allocation: $19,000
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Lead Developer (blockchain integration): $10,000
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Frontend/Bot Developer: $3,000
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Testing & Infrastructure for mini pilot: $4,000
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Project management: $2,000
Note: The team is volunteering time beyond the budget
Payment Structure:
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30% ($5,700) upon grant approval
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25% ($4,750) after bot development & audit
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25% ($4,750) after closed beta success
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20% ($3,800) after final demo & report
Future Possibilities
(Subject to Phase 1 success)
If Phase 1 validates technical feasibility and user demand, potential next steps include:
Mainnet Deployment
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Professional security audit from a reputable firm
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Licensed fiat on-ramp integration for direct CKB purchases
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Real transaction pilot in 1-2 crypto-friendly markets
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Target: 1,000+ active users demonstrating product-market fit
Scaled Expansion
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Multi-market rollout to 3-5 countries
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Advanced features: bill splitting, recurring payments, QR merchant payments
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DeFi integration: staking and lending accessible via chat commands
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Target: 50,000+ monthly active users, $1M+ transaction volume
This proposal requests funding only for Phase 1. Future development will be pursued only if results demonstrate clear user demand and technical viability. Phase 1 is designed to deliver standalone value: proof that crypto payments can work seamlessly in everyday messaging apps.
Long-Term Vision (Year 2+)
[Roadmap dependent on traction]
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DeFi integration: staking, lending directly from WhatsApp
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Stablecoin support for price stability
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Cross-border remittance corridors.
Priority Targets
Tier 1: Emerging Markets (High Impact)
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Nigeria – 90M WhatsApp users; $25B remittance market; high smartphone penetration among youth; growing crypto adoption
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India – 500M+ WhatsApp users; massive remittance market ($100B inflow annually); tech-savvy population, high mobile-first adoption
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Indonesia – 140M WhatsApp users; young, digitally native population; archipelago geography makes digital payments essential
Tier 2: Developed Markets (High Value)
U.S.'s high crypto adoption and cross-border demand, the U.K.'s strong fintech ecosystem, and Germany’s position as the European crypto hub.
Use Case Segmentation
International remittances (replacing Western Union), Peer-to-peer lending in communities, Informal commerce and group savings, Cross-border trade for small businesses
Competitive Comparison
| Category | Advantages |
|---|---|
| Traditional Banking Apps |  No app switching Instant cross-border transfers (minutes vs. days) Lower fees (blockchain vs. SWIFT) Accessible to unbanked populations |
| Dedicated Crypto Wallets | 2B users already on platform No learning curve Social context drives adoption (friend invites friend) Natural merchant adoption through WhatsApp Business |
| WeChat Pay | Global reach (not China-limited) Borderless DeFi opportunities (staking, yield) Censorship-resistant |
Risk Assessment & Mitigation
Regulatory Compliance: Launch pilots only in crypto-friendly markets and work with licensed fiat gateways for KYC/AML.
User Adoption & Trust: Start with crypto-native communities, focus on intuitive UX, and use education/influencer support to build confidence.
Security: Conduct a mandatory audit before launch and implement PIN-based authentication with optional social recovery.
Competition: Move quickly to establish first-mover advantage; leverage Nervos’s strengths in low fees, scalability, and interoperability.
Note: Phase 1 prioritizes adoption; monetization will begin once user growth stabilizes.
Gateway to DeFi
Making Nervos the default cryptocurrency to acquire and use is our vision, by turning everyday-used apps into seamless digital payments. We’re solving the cold-start problem that has prevented mainstream DeFi adoption. This creates a funnel of CKB holders while also creating a natural pathway to Nervos’ broader DeFi ecosystem.
Once users are transacting seamlessly, we can introduce other features, such as staking, lending, savings, and other decentralized financial services, directly within a similar low-friction chat interface. With the possibility of stablecoins, we can become a borderless economic network used daily by millions.
Conclusion
WhatsApp’s 2 billion users represent a significant untapped market. Nervos CKB’s technical architecture makes it uniquely suited for this integration. We can help billions escape the friction and cost of traditional finance, especially when sending money across borders.
The question isn’t whether crypto-messaging integration will happen; it’s who will build it first. We’re not asking users to learn crypto, download a wallet, or adopt a new app; we’re bringing payments into their existing habits.
**Let’s make getting and using CKB as simple as sending a message.
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**
执行摘要（Executive Summary）
通过将 CKB 钱包直接嵌入 WhatsApp 对话中，让 Nervos 成为最易于普通用户接触的区块链网络。无需独立应用、复杂助记词或交易所账户。
市场机遇：
WhatsApp 是全球使用量最大的通讯平台，拥有超过 26 亿用户。通过在对话中直接嵌入 Nervos CKB 支付功能（借鉴微信支付 3.6 万亿美元年交易额的模式），我们将用户的日常聊天习惯转化为即时金融接入通道，为全球欠服务市场带来真正的金融普惠。
我们在打造什么：
一个 WhatsApp 机器人，可自动生成非托管 Nervos 钱包，让用户通过简单的聊天命令实现即时 CKB 点对点交易。用户只需保存“Nervos ChatPay”联系人即可在 30 秒内完成开户，使用手机号作为支付标识，而非冗长的钱包地址。
战略影响（Strategic Impact）
这将把 CKB 从区块链资产转变为具有现实交易功能的主流数字货币，推动 Nervos 生态系统扩张：
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为新用户创造无摩擦入口
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通过社交互动推动自然增长
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连接社交沟通与去中心化金融
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为 CKB 打开全球汇款与商户支付市场
第一阶段资金申请： 19,000 美元（以发放时 CKB 最新价格计算）
支付条款： 3 个阶段里程碑，开发周期 3 个月
关于我们（About Us）
Build Union LTD 是由开发者、设计师与战略家组成的集体，专注于 Web3 工具、DAO 基础设施与去中心化治理。我们以整体团队方式交付高影响力的生产级应用。
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公司编号：16676071
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注册地：英国与威尔士
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最近项目：为 Nervos 生态构建了资助跟踪平台（Grant Tracking Platform）
问题陈述（The Problem）
尽管区块链已创新十余年，但加密货币普及率停滞不前，其根源在于上手体验极差。大多数新用户认为区块链应用复杂、晦涩且容易出错。
现有障碍：
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需下载独立钱包应用
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入门步骤繁琐
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复杂概念：私钥、助记词、Gas 费
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长地址导致转账恐惧（不可逆错误）
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无法融入日常社交习惯
结果？全球超过 94% 的人从未使用过加密货币，并非他们不想要更好的金融工具，而是入门门槛过高。
微信支付的成功逻辑（Why WeChat Pay Works）
传统金融的成功案例：微信支付的 9 亿用户证明了关键在于——“用户在哪，支付就在哪”。
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无需切换应用，一切在熟悉界面中完成
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社交整合：支付成为日常对话的一部分
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商户接入：顾客聊天处即是付款处
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网络效应：用户增长带动商户增长
解决方案：CKB ChatPay
若要实现主流 adoption，Nervos 必须进入用户熟悉的应用场景——就像微信支付一样。
用户已接受“手机号”作为身份标识，而复杂的钱包地址则是阻碍。
因此，通过聊天系统，用户能像发送信息一样自然地转账，即便对方尚未加入协议，也可无缝发送。
我们提议开发一款与 WhatsApp 集成的支付体验，使用户能在日常对话中无缝发送和接收 CKB。
工作原理（How It Works）
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保存 “Nervos ChatPay” 联系人
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打开 WhatsApp 聊天界面
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通过 ChatPay 机器人发送或请求付款
核心功能（Key Features）
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点对点交易： 类似微信红包，直接向联系人发送 CKB
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便捷购买： 在 WhatsApp 内以本地货币购买 CKB（集成加密货币购买通道）
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无需独立应用： 聊天中通过文本命令访问轻钱包
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社交传播： 打赏、社区激励、邀请奖励促进病毒式增长
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自然支付体验： 拼单、赠礼、收款都能在聊天中完成
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商户支付： WhatsApp Business 支持二维码收款
技术基础（Technical Foundation）
系统通过 WhatsApp Business API 集成实现：
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PIN 码交易确认
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显示余额与本地货币价格
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保持端到端加密
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使用 Nervos CKB 区块链进行结算
选择 Nervos CKB 的原因（Why Nervos CKB）
技术优势：
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CKB 的模块化 Layer 1 + Fiber Network（闪电网络式）架构：通过链下通道实现快速、可扩展的消息式支付，并在链上完成最终结算。
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互操作性： 兼容多资产支付的未来扩展
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安全性： 基于 PoW 共识，安全级别达机构标准
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低费用： 支持微支付的经济模型
市场地位：
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市值约 1.6–2.1 亿美元
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日交易量 500–600 万美元
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已上架 Binance、KuCoin 等主流交易所
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技术基础稳健，具机构支持
市场时机（Why Now）
三大契机：
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WhatsApp Business API 已成熟
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用户支付习惯已迁移至移动端
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数字支付普及，为加密支付打下基础
竞争格局：
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传统汇款如 Western Union 收费 5–10%，到账需数天
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专用加密钱包要求下载独立 App，用户参与率极低
战略定位：
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WhatsApp 已安装在超过 20 亿设备上
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社交场景使支付自然化
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首个加密支付整合 WhatsApp 的先发优势
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可复用微信模式的全球化版本，叠加加密货币优势：跨境、普惠、抗审查
执行计划（Execution Plan）
越南试点（Phase 1 部分）：
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因 WhatsApp 普及率高、加密接受度增长而选定
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计划：
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招募 20–30 名 18–35 岁用户进行两周测试
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合作 5–10 家小型商户（咖啡馆、小吃摊）
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测试上手时间、交易可靠性与用户满意度
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目标：
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验证聊天式上手比钱包式更易用
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测试真实 CKB 支付流程
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收集价格显示、信任感等反馈
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阶段 1：基础建设（月 1）
目标：验证技术可行性与用户兴趣
交付物：
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WhatsApp Bot（创建钱包、显示余额、发送/接收 Testnet 交易）
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封闭测试（50–100 名社区成员）
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用户参与分析面板与 SDK
成功指标：
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平均首次交易时间 < 30 秒
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零关键安全漏洞
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用户体验获得正面反馈
预算分配（$19,000）：
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区块链集成主开发者：$10,000
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前端/Bot 开发：$3,000
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测试与基础设施：$4,000
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项目管理：$2,000
付款结构：
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批准后 30%（$5,700）
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开发与审计完成后 25%（$4,750）
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封测成功后 25%（$4,750）
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最终演示与报告后 20%（$3,800）
未来发展（Future Possibilities）
若第一阶段验证成功，后续方向包括：
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主网部署
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安全审计
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法币入口集成（KYC/AML 合规）
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实体交易试点
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目标：1000+ 活跃用户，验证产品市场契合度
扩展计划：
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推向 3–5 个市场
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新增功能：账单分摊、周期支付、商户收款
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集成 DeFi（质押、借贷）
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目标：每月 5 万活跃用户，交易额超 $100 万
长期愿景（Long-Term Vision）
未来两年规划：
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WhatsApp 内直接访问 DeFi（质押、借贷）
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稳定币支持，降低波动
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构建跨境汇款通道
核心市场优先级：
第一梯队（新兴市场，高影响）：
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尼日利亚：9,000 万 WhatsApp 用户；250 亿美元汇款市场；年轻人口高；加密渗透率上升
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印度：5 亿+ 用户；年汇款流入 1,000 亿美元；移动支付普及
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印度尼西亚：1.4 亿用户；岛屿地理结构使数字支付刚需
第二梯队（发达市场，高价值）：
- 美国、英国、德国——加密渗透率高、监管明确、金融科技发达
使用场景：
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国际汇款（替代西联汇款）
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社区内点对点借贷
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小微商贸与跨境电商
风险与应对（Risk Assessment）
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监管合规： 仅在加密友好市场试点，使用持牌法币通道
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用户信任： 从加密社区入手，强化教育与直观 UX
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安全性： 上线前进行安全审计，使用 PIN 与社交恢复机制
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竞争： 抢占先发优势，发挥 Nervos 低费率与高扩展性优势
通往 DeFi 的入口（Gateway to DeFi）
我们的愿景是让 Nervos 成为默认使用的加密货币，通过将日常通讯应用变为无缝支付工具，解决长期阻碍主流 DeFi 采用的“冷启动”问题。
这不仅能吸引新持币者，还能自然引流至 Nervos 更广泛的 DeFi 生态。
结语（Conclusion）
WhatsApp 的 20 亿用户代表着尚未开发的巨大市场，而 Nervos CKB 的技术架构使其成为最合适的整合对象。
我们要帮助数十亿人摆脱传统金融的摩擦与成本，尤其是在跨境汇款方面。
问题不在于“加密支付何时进入社交通讯”，而在于“谁率先实现”。
我们不让用户学习加密知识、下载钱包或切换应用，而是把支付带进他们的日常生活。
让获取与使用 CKB，像发一条消息一样简单。