Walty
Open-source commerce payments platform using blockchain settlement rails.
January 2026 – Present
I built Walty as an open-source commerce payments platform for in-person and online checkout. Businesses can accept payments through QR codes and payment links, split bills, manage cashier access, process refunds, and retain a complete audit trail. Blockchain networks provide settlement rails while sensitive operations remain on the user's side.
Problem
Most payment tools force a tradeoff: hosted platforms hold a business's money and charge per transaction, while do-it-yourself setups stay so technical that a shop can't realistically take a QR payment, split a tab, or run a small team behind the counter.
Solution
I designed Walty so checkout and money management live in one product: businesses get QR and link checkout, split payments, cashier access, and refunds, while the underlying wallet stays simple to use. Sensitive operations remain on the user's side, with blockchain acting only as the settlement layer.
Outcome
The project ships as documented open source with a clear setup path, so contributors and self-hosters can run it locally and extend it, covering real shop-style collection alongside personal wallets.
Learnings
Strong security and a smooth interface are not opposites: keep sensitive material encrypted, never let the server touch the seed, and spell out the critical steps. Users get real custody without a punishing UX.