Integration Grants Application '26: MyPal Conflux Card Integration

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Integration Grants Application '24: MyPal Conflux Card Integration

Application Introduction

Project Name

MyPal Conflux Card Integration

Project Overview

MyPal is a global digital payment platform that enables users to spend stablecoins in everyday life through virtual and physical debit cards. The platform primarily supports USDT, allowing users to seamlessly convert crypto into fiat at the point of transaction.

MyPal cards can be used worldwide across 160+ countries wherever major card networks are accepted, including online payments, in-store purchases, mobile wallet payments, and ATM withdrawals. MyPal offers both virtual cards for instant online and mobile wallet usage, and physical cards for in-store payments and cash access. The cards are compatible with Apple Pay and Google Pay, providing users with a familiar and convenient payment experience anytime, anywhere.

Designed for global users, MyPal caters to individuals and businesses looking for a simple way to use digital assets without relying on traditional banking infrastructure. The platform focuses on accessibility, cross-border usability, and bridging the gap between Web3 assets and real-world payments.

This grant application proposes the integration of Conflux Network into MyPal so that Conflux users can deposit funds directly through the Conflux ecosystem and access card-based spending without relying on bridges, unnecessary conversions, or fragmented off-chain processes.

Learn more about MyPal here: https://linktr.ee/MypalGlobal

Problem Statement

Users within many blockchain ecosystems still face friction when trying to use on-chain assets in real-world payment environments. Common issues include the need to bridge assets to other networks, multiple conversion steps before funds become usable, limited direct card infrastructure, and poor continuity between on-chain activity and real-world financial utility.

For the Conflux ecosystem, this creates an opportunity to make assets held on Conflux more practical for day-to-day use. Without a direct card and payment layer, users may move funds away from Conflux to access external spending infrastructure, reducing ecosystem retention, transaction activity, and user engagement.

Proposed Solution

MyPal proposes to integrate Conflux Network into the MyPal platform, allowing verified users to deposit funds directly through Conflux and access virtual card services for everyday spending. As part of this grant proposal, MyPal will also provide 200 virtual cards for Conflux to distribute to eligible verified users, community members, developers, or campaign participants.

For clarity, this grant proposal covers virtual cards only. Physical cards and any Conflux-branded whitelabel card program are not included in the $2,000 grant scope and may be discussed separately as a future partnership.

The integration will include:

  • Direct Conflux Network deposit support on MyPal.
  • User access to MyPal virtual cards only after successful verification.
  • Support for card-based spending using deposited funds.
  • Lifetime support and maintenance for the Conflux integration.
  • Allocation of 200 virtual cards for Conflux ecosystem growth campaigns.

Alignment with Conflux Network

The proposed integration aligns with Conflux Network by expanding practical utility for assets and users within the ecosystem. Conflux is positioned as a high-performance blockchain network supporting scalable decentralized applications and real-world blockchain use cases. MyPal’s integration contributes to this vision by connecting Conflux-based value to real-world payments.

This project supports Conflux by:

  • Creating a consumer-facing payments use case for the ecosystem.
  • Improving asset utility beyond DeFi and trading.
  • Helping retain users and liquidity within Conflux.
  • Giving developers a practical example of how Conflux can support payment-focused applications.
  • Increasing the visibility of Conflux as a network that can support real-world financial products.

Benefit to the Conflux Ecosystem

The MyPal integration can help attract more developers to Conflux by demonstrating that applications on Conflux can support real-world financial activity. Developers are more likely to build on an ecosystem where users can easily move from on-chain interactions to practical spending and financial utility.

The integration benefits the ecosystem by:

  • Demonstrating a live card and payment use case built around Conflux deposits.
  • Encouraging fintech, payment, wallet, and consumer application builders to consider Conflux.
  • Giving Conflux a practical onboarding and retention tool for users.
  • Supporting campaigns where users receive virtual cards after completing verification.
  • Showing that Conflux can support real-world, user-facing crypto payment infrastructure.

Economic Benefit to the Conflux Ecosystem

This integration is expected to increase on-chain activity by enabling users to deposit funds through Conflux into MyPal. Each deposit creates additional network activity and gives users a reason to hold and use assets within the Conflux ecosystem.

Potential economic benefits include:

  • Increased deposits from Conflux-supported assets into MyPal.
  • Additional transaction volume generated through user funding activity.
  • Greater asset retention within the Conflux ecosystem.
  • Increased demand for Conflux-based payment rails.
  • Higher user engagement through card activation, deposits, and spending.
  • Additional ecosystem growth through the 200 virtual card allocation.

Competitive Edge

MyPal’s competitive edge is its existing card infrastructure and ability to support both virtual and physical card programs. Rather than building a card stack from scratch, Conflux can support an integration with an existing platform that already has card issuance infrastructure, compliance flows, and user-facing payment capabilities.

Key differentiators include:

  • Existing virtual and physical card infrastructure.
  • Global usability across 160+ countries where major card networks are accepted.
  • Support for USDT as the primary stablecoin asset.
  • Ability to convert crypto into fiat at the point of transaction.
  • Support for online payments, in-store purchases, mobile wallet payments, and ATM withdrawals.
  • Apple Pay and Google Pay compatibility.
  • Availability of both virtual and physical cards.
  • Lifetime support and maintenance for the Conflux integration.
  • Fast integration timeline, estimated at approximately one month for this first chain expansion.
  • Optional future pathway for a full Conflux-branded whitelabel card solution.

Project Links

All MyPal official links are available here:

https://linktr.ee/MypalGlobal

Technical Introduction

Overview

The MyPal Conflux Card Integration will allow eligible and verified users to deposit funds through the Conflux Network and access card-based spending through MyPal’s virtual card infrastructure. The project addresses the current gap between on-chain assets and everyday payment usability.

Reference to Problem Statement

The Conflux ecosystem can benefit from stronger real-world payment utility. Users often need to bridge assets or rely on third-party networks and conversion paths before using crypto funds for daily spending. This creates friction and may reduce on-chain activity within the Conflux ecosystem.

By integrating Conflux directly into MyPal, users will have a clearer path from Conflux-based funds to card usage, improving convenience and encouraging continued ecosystem participation.

Existing Solutions and Feasibility Study

Existing solutions in the market include general crypto cards, centralized exchange cards, and third-party payment platforms. However, many of these solutions require users to deposit through specific chains, use centralized exchange balances, or convert assets outside their preferred ecosystem.

The MyPal approach is feasible because:

  • MyPal already operates card-related infrastructure.
  • The platform already supports USDT-based card spending.
  • MyPal already supports virtual and physical card access.
  • MyPal supports online payments, in-store transactions, mobile wallet usage, and ATM withdrawals.
  • The team can support virtual card issuance for verified users.
  • MyPal already supports cardholder onboarding and verification workflows.
  • The proposed Conflux integration is scoped as a network deposit integration, not a full whitelabel card launch.
  • The estimated delivery timeline is approximately one month.
  • The requested grant amount is modest and tied to a clear deliverable.

Purpose of the System

The purpose of the system is to provide Conflux users with a direct and practical way to use Conflux-based funds for card payments through MyPal. The integration aims to increase user utility, on-chain activity, and ecosystem visibility.

Scope of the System

The scope of the grant-funded project includes:

  • Integration of Conflux Network deposits into MyPal.
  • User interface updates to support Conflux as a deposit option.
  • Backend integration for deposit detection, user balance updates, and transaction processing.
  • Testing and validation of deposit flows.
  • Compliance and verification alignment for card eligibility.
  • Launch support and documentation.
  • Provision of 200 virtual cards for eligible verified users selected by the Conflux team.
  • Lifetime support and maintenance for the Conflux integration.

Out of scope for this specific grant:

  • Full Conflux-branded whitelabel card program.
  • Physical card issuance, production, shipping, or custom card design.
  • Custom Conflux card artwork and physical card production.
  • Visa brand approval under Conflux’s own brand.
  • Large-scale card manufacturing or inventory costs.
  • Guaranteed user acquisition targets unless separately agreed under a co-marketing partnership.

Objectives and Success Criteria

The project will be considered successful when:

  • Conflux Network is available as a deposit option in MyPal.
  • Users can successfully complete deposits using the Conflux integration.
  • Deposited funds can be reflected in user balances for card usage according to MyPal’s platform rules.
  • The integration is tested, documented, and deployed.
  • 200 virtual cards are made available for eligible verified users in coordination with the Conflux team.
  • MyPal provides ongoing support and maintenance for the integration.

Definitions, Acronyms, and Abbreviations

  • MyPal: The global digital payment platform proposing the Conflux integration.
  • Conflux Network: The blockchain ecosystem to be integrated into MyPal.
  • Conflux eSpace: EVM-compatible environment within the Conflux ecosystem.
  • USDT: A stablecoin commonly used for crypto payments and settlement.
  • Virtual Card: A digital payment card that can be used online and, where supported, added to Apple Pay or Google Pay.
  • Physical Card: A tangible payment card that can be used for in-person transactions and ATM withdrawals where supported.
  • KYC: Know Your Customer verification process required for eligible users.
  • API: Application Programming Interface.
  • DApp: Decentralized Application.

References

  • Conflux Grants Ecosystem Overview: [Insert link]
  • Conflux Technical Grants / No-Sale Rule: [Insert link]
  • MyPal Links: https://linktr.ee/MypalGlobal

Technical Proposal

Functional Overview

The MyPal Conflux Card Integration will add Conflux Network as a supported deposit rail within the MyPal platform. Eligible users will be able to select Conflux as a deposit option, transfer funds through the provided deposit flow, and see their balances updated after successful confirmation. Once funded and verified, users may use their MyPal virtual card for supported everyday card transactions.

This grant-funded implementation is limited to virtual card access only. Physical cards, custom branded cards, and whitelabel card infrastructure are outside the scope of this grant and can be explored separately after the initial Conflux integration is live.

Core System Components

1. Conflux Deposit Module

The deposit module will allow users to deposit assets through Conflux Network. It will include:

  • Conflux network selection in the deposit interface.
  • User-specific deposit address or deposit instructions.
  • Deposit monitoring and confirmation logic.
  • Transaction status tracking.
  • Balance crediting after successful confirmations.

2. User Account and Verification Layer

Only eligible users who complete the required verification process will be able to access card services. This layer includes:

  • User account management.
  • KYC verification flow.
  • Card eligibility checks.
  • Account status and compliance review.

3. Card Issuance and Card Access Layer

After verification and funding, users may access MyPal card services. This includes:

  • Virtual card issuance for eligible verified users.
  • Card management interface.
  • Spending through supported card channels.
  • Potential Apple Pay and Google Pay usage where supported by region, device, and card rules.

4. Balance and Transaction Management

The system will track user deposits, balances, and spending activity. This includes:

  • Deposit confirmation logs.
  • Balance updates.
  • Card transaction records.
  • User transaction history.
  • Support review tools for failed or delayed transactions.

5. Admin and Support Operations

MyPal will provide operational support for the integration. This includes:

  • Monitoring deposit activity.
  • Responding to support issues.
  • Maintaining the Conflux integration.
  • Coordinating with Conflux for virtual card distribution campaigns.
  • Providing lifetime support and maintenance for the integration.

Legal and Licensing Aspects

The project will follow MyPal’s existing compliance, card issuance, and user verification requirements. Users must complete applicable KYC checks before accessing card services.

Legal and licensing considerations include:

  • KYC and user verification requirements.
  • Card issuer and program rules.
  • Visa or card network program requirements.
  • Data protection and privacy obligations.
  • Anti-fraud and transaction monitoring policies.

For the grant-funded integration, MyPal is not requesting approval for a full Conflux-branded whitelabel card program. A whitelabel solution may be discussed separately and would involve additional approval, separate costs, and a longer timeline.

Non-Functional Overview

Usability

The integration will be designed to make deposits simple for users. The user experience should clearly show Conflux as a supported network, provide deposit instructions, and display transaction status updates.

Expected usability outcomes:

  • Simple deposit selection flow.
  • Clear transaction status visibility.
  • Easy access to card services after verification.
  • User-facing support for common deposit and card questions.

Reliability

The system should reliably detect deposits, update balances, and provide accurate transaction records. MyPal will maintain the integration after launch and address technical issues that arise.

Reliability requirements:

  • Consistent deposit monitoring.
  • Accurate transaction confirmation handling.
  • Support for failed, delayed, or under-review deposits.
  • Ongoing maintenance and issue resolution.

Performance

The system should process deposit detection and balance updates efficiently after the required network confirmations. User-facing pages should remain responsive during deposit and card management flows.

Performance goals:

  • Smooth deposit interface performance.
  • Timely transaction status updates.
  • Scalable backend monitoring for Conflux transactions.
  • Stable card dashboard access for verified users.

Implementation

Implementation will include frontend, backend, QA, and deployment work. The integration is expected to be completed within approximately one month, subject to technical dependencies and coordination with Conflux.

Implementation work includes:

  • Conflux network integration planning.
  • Deposit module development.
  • Backend transaction monitoring.
  • Frontend deposit flow updates.
  • QA and test deposits.
  • Launch preparation.
  • Post-launch support.

User Interface

The user interface will include:

  • Conflux as a deposit network option.
  • Deposit instructions and address display.
  • Transaction status and confirmation feedback.
  • Balance display after deposit confirmation.
  • Card access and card management for eligible verified users.

Total Budget

Grant Size

Total grant amount requested: $2,000 USD

Budget Justification

The requested grant amount will support development, testing, deployment, user enablement, and ongoing support for the Conflux integration into MyPal.

Activity Estimated Cost
Conflux deposit integration planning and technical design $300
Backend development for Conflux deposit monitoring and balance updates $600
Frontend updates for Conflux deposit user interface $300
QA testing, test deposits, and deployment validation $300
Documentation, launch coordination, and user support setup $200
Provision and operational support for 200 virtual cards for eligible verified users $300
Total $2,000

Additional Value Included

In addition to the integration work, MyPal will provide:

  • Lifetime support and maintenance for the Conflux integration.
  • 200 virtual cards for eligible verified users, to be distributed or used by Conflux at its discretion.
  • Launch support and coordination with the Conflux team.

Development Roadmap

Estimated Timeline

The proposed timeline for the Conflux integration is approximately one month from grant approval and receipt of the necessary technical requirements.

Milestones

Milestone Timeline Deliverables Requested Funding
Milestone 1: Technical Planning and Integration Design Week 1 Final integration scope, supported asset confirmation, deposit flow design, technical requirements review $400
Milestone 2: Backend and Deposit Infrastructure Week 2 Conflux deposit monitoring, transaction confirmation handling, balance update logic $600
Milestone 3: Frontend and User Interface Implementation Week 3 Conflux deposit option in MyPal UI, user deposit instructions, transaction status display $400
Milestone 4: QA, Launch, and Virtual Card Allocation Week 4 Testing, deployment, launch support, documentation, 200 virtual cards made available for eligible verified users $600
Total 1 Month Complete Conflux integration and launch support $2,000

Software and Deliverables

Final deliverables include:

  • Conflux Network deposit support in MyPal.
  • Updated MyPal user interface showing Conflux as a supported deposit option.
  • Backend transaction monitoring and user balance updates.
  • Tested and deployed Conflux integration.
  • User-facing or partner-facing documentation.
  • 200 virtual cards allocated for eligible verified Conflux users.
  • Clear exclusion of physical cards, custom branded cards, and whitelabel infrastructure from the grant scope.
  • Lifetime support and maintenance for the integration.

Terms of Use

I agree to all of the following terms of use in applying to a Conflux Ecosystem Grant

I have read and understood the Conflux Grants Ecosystem Overview

I have read about and understood that the Conflux Technical Grants are subject to a No-Sale rule

I agree to provide KYC information to the Conflux Foundation for the sake of overall ecosystem security

I understand that I will be required to follow public grant reporting requirements

Notes Before Submission

Please complete the following items before submitting the application:

  1. Add the Conflux eSpace recipient wallet address when ready.
  2. Confirm the final official network name to use throughout the application: Conflux Network or Coinflux Network.
  3. Confirm which Conflux-supported asset or assets will be accepted for deposits, if different from USDT.
  4. Insert the official Conflux Grants Ecosystem Overview and No-Sale Rule links if the form requires references.