PeerPay
Status: Production Last Updated: October 2025 Contact/Support: PeerPay GitHub | Babbage Systems
1. What Is PeerPay?
PeerPay is a peer-to-peer payment application that revolutionizes how individuals send and receive BSV cryptocurrency. Built on the Babbage SDK infrastructure, PeerPay eliminates the complexity of blockchain addresses by using identity-based payments - simply search for someone by their identity key and send them SATS instantly.
Key Features:
Identity-Based Payments - Send money using identity keys instead of complex blockchain addresses
Instant Peer Discovery - Search and find users by their BSV identity
SATS Transactions - Send and receive payments in satoshis (the smallest unit of BSV)
Complete Transaction History - Track all incoming and outgoing payments
Payment Dashboard - Clean interface for managing all your P2P transactions
No Intermediaries - Direct peer-to-peer transfers without third-party involvement
Transparent Records - All transactions recorded on BSV blockchain
Target Users: Anyone needing to send or receive BSV payments between individuals - friends splitting bills, family members exchanging money, freelancers receiving payments, or anyone seeking a simple alternative to traditional payment apps with the benefits of blockchain technology.
2. Before You Begin
Prerequisites
BSV Wallet: BSV Desktop Wallet or compatible Babbage-enabled wallet
BSV Identity: Identity key for receiving payments and user discovery
Web Browser: Modern browser with JavaScript enabled
BSV Balance: SATS for sending payments (minimal amounts for testing)
Identity Understanding: Basic familiarity with BSV identity system (helpful but not required)
Supported Platforms
Web-based: Access via https://peerpay.babbage.systems/
Cross-platform: Works on desktop and mobile browsers
Babbage SDK Integration: Compatible with all Babbage-enabled wallets
No Installation Required: Pure web application
Babbage Identity Setup
PeerPay relies on the Babbage identity system for peer discovery. If you're using BSV Desktop Wallet, your identity is already configured. For other wallets:
Ensure your wallet supports Babbage SDK
Verify your identity key is active
Share your identity key with people who need to send you payments
3. Getting Started: Step-by-Step
Step 1: Access PeerPay
Navigate to https://peerpay.babbage.systems/ in your web browser
The PeerPay interface will load
Ensure your BSV wallet is running in the background
The application will automatically detect your Babbage-enabled wallet
Step 2: Connect Your Wallet
PeerPay will request connection to your BSV wallet
Grant permission when prompted by your wallet application
Your identity key will be linked to PeerPay
The main dashboard appears once connected
Your current balance and identity status display in the interface
Step 3: Find a Peer by Identity
Locate the Search or Find User field
Enter the recipient's BSV identity key
The system searches the Babbage identity network
Matching user(s) appear in search results
Verify you've selected the correct recipient
Click on the user to proceed to payment
Finding Identity Keys:
Recipients can share their identity key directly with you
Identity keys are unique identifiers in the BSV ecosystem
Some BSV applications display user identity keys in profiles
Identity keys are different from blockchain addresses
Step 4: Send Your First Payment
With recipient selected, enter the payment amount in SATS
Review the payment details:
Recipient identity key
Amount to send
Current network fee (typically very small)
Add an optional payment note or description if desired
Click Send Payment or Confirm
Your wallet prompts for payment authorization
Approve the transaction in your wallet
Payment processes instantly on BSV blockchain
Confirmation appears in PeerPay interface
SATS Conversion:
1 BSV = 100,000,000 SATS
Example: 10,000 SATS = 0.0001 BSV
PeerPay displays amounts in SATS for precision
Step 5: Receive Payments
Share your BSV identity key with the sender
Incoming payments automatically appear in your dashboard
No action required to receive - payments arrive automatically
Your wallet balance updates in real-time
Review incoming payment details in the transaction history
Sharing Your Identity:
Find your identity key in BSV Desktop or your wallet settings
Share via secure channels (messaging apps, email, etc.)
Your identity key is safe to share publicly (unlike private keys)
Consider creating a payment link or QR code for easier sharing
Step 6: Review Transaction History
Access the Payments Dashboard or History section
View complete transaction list with:
Sent payments - outgoing transactions
Received payments - incoming transactions
Timestamps for all transactions
Payment amounts and descriptions
Transaction status (pending, confirmed)
History Features:
Filter by date range or transaction type
Search for specific payments
Export transaction history for records
Click transactions for blockchain verification
4. Advanced Features
Identity Management
Multiple Identities: Some wallets support multiple identity keys for different purposes
Identity Verification: Use with SocialCert to verify identity authenticity
Contact Lists: Save frequently used identities for quick access
Identity Aliases: Some systems allow naming identities for easier recognition
Payment Features
Recurring Payments: Set up regular payment schedules (if supported)
Payment Requests: Request specific amounts from other users
Payment Notes: Add descriptions to organize transaction purposes
Bulk Payments: Send to multiple recipients in sequence
Payment Confirmations: Receive blockchain confirmation proof for all transactions
Transaction Management
Real-time Status: Monitor payment progress from initiation to blockchain confirmation
Transaction Details: View complete blockchain data for any payment
Export Options: Download transaction history in various formats
Receipt Generation: Create payment receipts for accounting purposes
Dispute Documentation: Blockchain records provide immutable transaction proof
Developer Integration
Babbage SDK: Build custom applications using the same payment infrastructure
API Access: Integrate PeerPay functionality into other applications
GitHub Repository: Access open-source code for customization
Payment Protocols: Implement standardized payment flows
Testing Environment: Development tools available for testing integrations
5. Troubleshooting & FAQs
Common Issues
Cannot find recipient
Invalid identity key
Double-check identity key format; verify recipient has active Babbage identity
Payment fails to send
Insufficient SATS balance
Check wallet balance; ensure enough SATS to cover amount plus fees
Wallet not connecting
BSV wallet not running
Launch BSV Desktop or compatible wallet; refresh PeerPay page
Payment stuck pending
Network delay
Wait for blockchain confirmation; BSV typically confirms within minutes
Identity search returns no results
Recipient not on Babbage network
Verify recipient uses Babbage-compatible wallet; check identity key accuracy
History not loading
Browser cache issue
Clear browser cache; refresh page; check internet connection
Tips for Smooth Transactions
Verify Identity Keys: Always confirm recipient identity before sending
Start Small: Test with small amounts when sending to new recipients
Note Descriptions: Add payment notes for your own record-keeping
Network Awareness: BSV transactions are fast but allow time for blockchain confirmation
Balance Management: Keep sufficient SATS balance for payments and fees
Getting Help
GitHub Repository: PeerPay GitHub for technical documentation
Babbage Systems: Contact Babbage Systems for infrastructure support
Community Forums: Join BSV developer communities for peer assistance
Wallet Support: Contact your wallet provider for connection issues
Documentation: Review Babbage SDK documentation for technical details
6. Learn More / Next Steps
Best Practices for Peer-to-Peer Payments
Identity Verification: Use SocialCert to verify recipient identities when possible
Record Keeping: Export transaction history regularly for financial records
Security Awareness: Never share private keys; only share identity keys
Communication: Confirm payments with recipients through separate channels
Amount Confirmation: Always review payment amounts carefully before confirming
Common Use Cases
Bill Splitting: Share expenses with friends and family instantly
Freelance Payments: Receive project payments directly without intermediaries
Micropayments: Send tiny amounts for services, tips, or content
International Transfers: Send money globally without traditional banking delays
Instant Settlements: Complete transactions in seconds instead of days
Allowances and Gifts: Send money to family members easily
Integration Opportunities
SocialCert: Verify payment recipient identities with social credentials
Metanet Highway: Use for additional wallet management features
BSV Desktop: Full-featured wallet with PeerPay integration
ToolBSV: Combine identity-based payments with AI service micropayments
Business Applications: Integrate PeerPay into custom business workflows
Development and Customization
Fork on GitHub: Customize PeerPay for your specific needs
Babbage SDK Integration: Build new applications with identity-based payments
Payment Workflows: Design custom payment processes for your use case
UI Modifications: Adapt the interface for your branding or requirements
API Extensions: Add new features using the Babbage infrastructure
Related Resources
Babbage SDK Documentation: Learn about the underlying technology
BSV Identity System: Understand how BSV identity works
Payment Protocols: Study BSV payment standards and best practices
Smart Contracts: Explore more advanced blockchain payment mechanisms
Community Projects: Discover other Babbage-powered applications
Stay Updated
GitHub Releases: Watch the repository for updates and new features
Babbage Announcements: Follow Babbage Systems for infrastructure updates
BSV Development: Stay informed about BSV protocol improvements
Community Contributions: Contribute to or suggest improvements for PeerPay
Integration Examples: Look for new use cases and integration tutorials
Quick Links: BSV Desktop Guide | BSV Getting Started | SocialCert Identity | Babbage SDK
PeerPay simplifies blockchain payments by focusing on people, not addresses - send money as easily as sending a message, with all the security and transparency of BSV blockchain.
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