NanoLoan

Problem Statement

NanoLend Global is a multi-chain Buy Now Pay Later (BNPL) platform built for financial inclusion. Users can instantly purchase products from verified merchants without upfront payment, while merchants receive immediate settlement and can offramp across multiple chains.Key Features:Multi-Chain Architecture: Core lending on World Chain with Ethereum offramping/repaymentCircle CCTP V2 Bridging: Instant cross-chain USDC transfers for settlements and repaymentsWorld ID Verification: Sybil-resistant identity verification for credit scoringGasless UX: Circle Paymaster eliminates transaction costs for usersProgressive Credit: Dynamic credit limits that grow with repayment historyCross-Chain Offramping: Merchants can bridge funds to Ethereum for liquidityFuture Solana Support: Planned integration for additional offramping optionsFinancial Inclusion: Targeting emerging markets with ultra-low-cost micro-transactionsThe platform enables merchants to receive instant liquidity on World Chain while offering cross-chain settlement options, creating a sustainable BNPL ecosystem that bridges DeFi accessibility with traditional commerce needs.

Solution

NanoLend Global showcases advanced multi-chain DeFi architecture:Smart Contracts (Solidity):CrossChainBNPL.sol with comprehensive lending logic on World ChainBuilt with Foundry framework, OpenZeppelin security patterns (ReentrancyGuard, Pausable)Implements Permit2 for gasless token transfers and progressive credit scoringCircle CCTP V2 integration for cross-chain USDC bridging to EthereumFrontend (Next.js 15 + React 19):Mobile-first design optimized for World App with TypeScript for type safetyViem + Wagmi for blockchain interactions, integrated with World SDKReal-time dashboard showing loan balances, credit progression, and bridge optionsBridge interface for merchants to offramp funds to Ethereum (Solana planned)Partner Integrations:Circle: CCTP V2 for native cross-chain USDC transfers + Paymaster for gasless UXCoinbase CDP: Embedded wallets as primary solution + onramp for fiat→USDC conversionWorld ID: Sybil-resistant verification with privacy-preserving proofs for credit scoringTechnical Innovation:Multi-chain BNPL with core lending on World Chain and cross-chain settlementsCircle CCTP V2 integration enabling instant burns/mints to EthereumProgressive credit algorithm that increases limits based on repayment behaviorExtensible architecture designed for future Solana integrationProduction-grade error handling with exponential backoff and comprehensive loggingBuilt entirely during ETH Global NYC 2025, demonstrating rapid prototyping of complex multi-chain DeFi infrastructure while maintaining production-quality code standards.