Sui Overflow 2026 · DeFi & Payments track

Money that moves while you sleep

QuipuPay turns static transfers into programmable financial flows on SUI — salary that streams per-second, payments that auto-invest, funds that move without manual intervention.

Live demo GitHub

Live example · 1 month salary · 5,000 SUI

streaming

1,929MIST / s

≈ 0.000002 SUI / s · 0.1666 SUI / day · 5,000 SUI / month — recipient withdraws any time, payer cancels any time

The problem

Payments are static one-time transfers
DeFi and payments are completely siloed
Users manually orchestrate every step
No native concept of continuous, programmable money flow

QuipuPay on SUI

Funds stream continuously — every millisecond
PTBs bundle stream + invest in one atomic transaction
Move enforces ownership — no trust in payer's future balance
Full deposit locked on-chain — recipient is always guaranteed payment

How it works

⟶Programmable streaming

Salary, grants, subscriptions — stream any amount of SUI at a constant per-second rate. Recipients withdraw earned funds at any time.

⬡Atomic PTB composition

Withdraw streamed salary and auto-invest in a single Programmable Transaction Block. No manual orchestration.

◷Cliff + cancel

Lock streams for vesting cliffs. Either party can cancel early — payer gets a refund, recipient gets everything earned.

Use cases

Payroll

Stream salaries per-second instead of monthly lump sums

Grants

Milestone-gated funding with automatic cliff enforcement

Subscriptions

Pay-as-you-go with instant cancellation and prorated refunds

Vesting

Token vesting schedules enforced entirely on-chain

The math

// claimable at time T (ms):

claimable = per_second × (T − last_withdrawn) / 1000

// derive per-second rate from a total amount:

per_second = total_mist × 1000 / duration_ms

All timestamps from SUI's on-chain Clock object. Identical arithmetic in Move, TypeScript, and the live ticker — no drift between chain and UI.

Stack

Move

On-chain SUI smart contract

Next.js

Dashboard frontend

@mysten/sui

TypeScript SDK — PTBs, signing, RPC

SHADCN/UI

UI components