Bounty proposal: define vision of card rewards implementation

[sergfeldman]

Intro

The purpose of this task is to define the vision of card rewards implementation.

The input from Alex

The future vision is to allow people to cash out on pay.ubq.fi either 1. To their crypto wallet as we have now or 2. To their prepaid cards
Maybe some day in the further future we can look into more proper debit/credit cards but the fees just to get started are in the hundreds of thousands of dollars

Adjust flow

Review each step of the rewards with cards

1. GitHub issue comments
   --- if any changes are needed, for example, the crypto wallet will not be mandatory but the email will be mandatory
   --- add new commands like
   /email - to register an email to get a prepaid/gift card on it.
   Note that this can disclosure an email address that can lead to spam
   /card - to get a payout in fiat to the card

2. Payout page on the Ubiquity website
   --- requesting the reward with a card instead of crypto, for example with 2 buttons "Get reward in xDAI to a crypto wallet", and "Get reward in USD to a card"

3. Emal with a gift card

Check if the flow is the same for a new and a regular contributor.

Define what experiences should be tested

• Account top-up method and experience
  --- crypto (if it is possible)
  --- wire transfer

• Card creation via API
  --- for a first-time contributor
  --- for a regular contributor (if there is any difference)
  --- for users from important to Ubiquity countries (check that it is possible)

• Card-getting via email
  --- visual customization capabilities

• Spending
  --- card activation if needed
  --- ability to add a prepaid card to Apple Pay and to Google Pay
  --- purchasing experience
  --- dealing with multiple cards as a regular contributor

• Overall API usage
  --- maintainability and flexibility

[ubiquibot]

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[0x4007]

I assume that almost all of the card related stuff are handled by the card issuing partners.

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[sergfeldman]

I assume that almost all of the card related stuff are handled by the card issuing partners.

This particular task is aimed at defining and testing the flow on our side. Several important points have already been written in the task description and I continue thinking about the vision.

[sergfeldman]

@rndquu You provided the vision on the cards implementation here ubiquity/pay.ubq.fi#174

Please let me know if the information described in this task is useful.
If it is not useful, I will close this task as not planned.

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[0x4007]

@rndquu You provided the vision on the cards implementation here ubiquity/pay.ubq.fi#174

Please let me know if the information described in this task is useful.

If it is not useful, I will close this task as not planned.

I think we would handle things in our dashboard instead of on GitHub

[rndquu]

@rndquu You provided the vision on the cards implementation here ubiquity/pay.ubq.fi#174

Please let me know if the information described in this task is useful. If it is not useful, I will close this task as not planned.

I think we can close this issue as completed since the vision is defined :)

We have 2 options:

1. Gift cards
2. Virtual cards API

We'll stick to whatever we get live access first.

In the long run we should pave our way to somewhat similar to https://gnosispay.com

I will repost here my message from telegram for future reference.

Overall Gnosis did a great job:

1. They built there own fast L1 network (prepared the infrastructure)
2. They combined all the building blocks together (https://help.gnosispay.com/en/articles/8461382-our-partners)

What happens when user orders a physical bank card:

1. User fills in country of residence since Gnosis Pay works only in Europe
2. User fills in KYC via https://web.fractal.id/
3. Gnosis checks KYC for fraud via https://www.elliptic.co/
4. User fills in a shipping address
5. User sends ~30 EURe tokens to Gnosis Safe Smart Account for card issuing
6. Card is ready to be issued and shipped (via https://www.monavate.com/ or https://www.paymentology.com/)

What happens when user pays for something with Gnosis Card (as far as I understand):

1. On-chain transaction is sent to Gnosis L2 (they use a solution based on Polygon zkEVM from https://gateway.fm/)
2. Payment transaction is finalized instantly on L2 and rolled up to Gnosis L1
3. Funds are transferred from user's Gnosis Safe Smart Account on L1 to Visa's Safe on L1. Then funds are distributed to merchants from Visa's Safe account. Transferring from user's Safe Account is possible because by default it has 2 custom Safe modules added (more info https://help.gnosispay.com/en/articles/8464758-how-is-the-gnosis-card-self-custodial):
   a) Roles: it allows Gnosis Pay to transfer funds from user's Safe Account
   b) Delay: it adds a 3 minute delay for on-chain and off-chain operations (in some cases) to prevent double spending

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[0x4007]

What happens when user pays for something with Gnosis Card (as far as I understand):

Can you share your sources? This is fascinating.

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[rndquu]

What happens when user pays for something with Gnosis Card (as far as I understand):

Can you share your sources? This is fascinating.

https://help.gnosispay.com/en/

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+ Evaluating results. Please wait...

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[0x4007]

Oh yeah, our bot doesn't support private repo authentication yet sorry about that.

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