Viya Wallet
Smart. Programmable. Trustless.
Viya Wallet is a next-generation programmable wallet built for real-world payments, automation, and trust. Designed as a Neo-bank for the decentralized economy, it allows users and merchants to onboard seamlessly, transact securely, and automate payments using AI agents.
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Bridging crypto, AI, and everyday commerce
Programmable Payments with AI Agents
Viya Wallet enables users to make purchases through AI agents that act on their behalf. Payments are not released instantly—instead, they are condition-based.
Funds are locked securely
Assets are held in a secure smart contract escrow, ensuring safety before any transaction verification begins.
AI Agent Verification
AI agents verify that the merchant meets the customer’s predefined requirements before approving the deal.
Condition-Based Release
Payment is released only when conditions are fulfilled, ensuring the product or service matches expectations.
A Neo-Bank for Users & Merchants
Viya Wallet functions like a decentralized neo-bank, built for global access.
For Users
- Self-custodial wallet with full control
- Smart payments using AI agents
- Secure storage and transaction history
- One wallet for spending, staking, and earning
For Merchants
- Self-onboarding with minimal friction
- Accept payments with programmable conditions
- Reduce chargebacks and disputes
- Global reach without traditional banking barriers
Use Case
Grocery & Household Agent
Your Home, Fully Stocked—Automatically.
No reminders. No last-minute runs. Just smart restocking, done right.
1
Intelligent Inventory Monitoring
An AI agent connects to your smart home signals—smart appliances, digital receipts, or past consumption patterns. It detects when essentials like organic coffee or laundry detergent are running low.
2
Smart Marketplace Negotiation
Instead of defaulting to a single platform, the agent evaluates multiple sellers—national retailers, local stores, and subscription services—comparing price, speed, and reliability.
3
Programmable Authorization
Your wallet is configured with a Cart Mandate—a cryptographically signed spending rule. The AI can act freely only within these boundaries.
Active Mandate: Household
Active
Organic Coffee
Weekly Limit
4
Autonomous Payment Execution
Once a suitable option is found, the agent completes the purchase using a Single-Purpose Token (SPT) or an on-chain stablecoin payment. Each transaction is purpose-locked.
5
Proof-of-Delivery Escrow
Funds are placed into a smart contract escrow. Payment is released to the merchant only after courier confirmation verifies delivery to your geofenced home address.
Key Programmable Protections
Merchant Whitelisting
Viya Wallet interacts only with reputation-verified merchants. High-risk sellers are automatically blocked to prevent fraud.
Time-Bound Permissions
Agent spending rights expire automatically (e.g., every 30 days), preventing runaway automation or ghost subscriptions.
Zero-Knowledge Identity
Verify age or membership status without sharing personal details, ensuring maximum privacy for sensitive purchases.
Why This Matters
With Viya Wallet from ViyaFi, AI doesn’t just recommend—it acts responsibly, using programmable money that follows your rules.
This is not shopping automation. This is autonomous commerce you can trust.
8%
Annual Yield
Stake $VIYA & Earn
Viya Wallet is not just for spending—it’s also for earning. Put your assets to work.
In-Wallet Staking
Stake tokens directly within the app.
High Returns
Earn up to 8% APY on holdings.
Transparent
100% on-chain reward history.
Flexible
No lock-ups or complex setup.
Your wallet works for you, even when you’re not using it.