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Title: 12Zero — Payments That Never Fail
12Zero is a hybrid payment system built for India's 650M+ users on weak or zero connectivity. Unlike GPay or PhonePe, it works across 3 modes — Online, Cellular (USSD), and True Offline P2P via Bluetooth, QR, and NFC — switching automatically every 3 seconds with zero user action.
Every offline transaction is cryptographically signed using ECDSA, stored in a local SQLite ledger, and syncs on reconnect. Built with an ₹500 offline limit and full replay attack prevention — RBI compliant by design.
Currently in RBI Sandbox consideration. 18-week roadmap to campus pilot launch.
Fintech Product Design UI/UX Mobile App Payments Startup India Prototype
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30 voted
39%
46 voted
61%
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Closed
Character definitely wins here. I think it's like verion2.0 of the emotional one.