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Season 1 · DeFi & Open Finance

OpnFlow

Real-time payment streaming, batch payroll, and locked savings — open finance on OPN Chain.

Stage 1, ReviewDeFi & Open Finance

by ankhanghp01 · submitted Jun 5, 2026

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Description

01/03

What the builder said.

Written by the team, rendered as the markdown they typed in the submission wizard.

What we built

OpnFlow is an open-finance suite where the chain does the heavy lifting. Three on-chain money primitives in one dApp:

  • Payment Streaming — lock tokens once; the recipient withdraws continuously, second by second. Built for payroll, vesting, and subscriptions. OPN Chain's sub-second finality makes the streamed balance feel truly live.
  • Batch Payroll — pay an entire team in a single transaction. Each row becomes its own real-time stream.
  • Locked Savings Vault — deposit for a fixed term and earn time-based rewards; longer locks earn higher APR, paid from a funded reward pool.

On top sits a Dashboard that aggregates your portfolio (balance, streaming in/out, savings + pending reward) and an activity feed read directly from on-chain events.

Why it matters

Payroll, vesting, and savings are core financial flows that still depend on trusted intermediaries off-chain. OpnFlow replaces that intermediary with the chain itself: all value logic — streaming, vesting math, locked interest — lives in the smart contracts, not the frontend. The frontend only reads and displays on-chain state.

How the chain is load-bearing

Funds are escrowed in the contract, released continuously, and refunded fairly on cancel — enforced by code, not by us. The vested amount is computed purely from on-chain time:

function balanceOf(uint256 streamId) public view returns (uint256) {
    Stream storage s = streams[streamId];
    if (s.cancelled) return 0;
    return _vestedAmount(s) - s.withdrawn; // derived from block.timestamp
}

Tech

Solidity 0.8.28 + OpenZeppelin (SafeERC20, ReentrancyGuard, Ownable)
Hardhat · 14 passing tests · ethers v6 frontend
3 contracts deployed AND source-verified on the OPN explorer

Roadmap

02/03

What ships next.

The builder's own next-quarter plan. Use it to gauge follow-through and ambition.

Q3 2026 — Now (live on testnet)

  • Payment streaming, batch payroll, and locked savings vault deployed and source-verified on OPN Chain.
  • Web dApp live with portfolio dashboard and on-chain activity feed.
  • 14 passing tests; end-to-end flows verified on testnet.

Q4 2026 — Mainnet & hardening

  • Security audit of all three contracts; fix and re-verify.
  • Mainnet deployment on OPN Chain.
  • NFT-transferable streams (ERC-721): the right to receive a stream becomes tradeable.
  • Multi-token support beyond the demo stablecoin.

Q1 2027 — $FLOW token & TGE

  • Token Generation Event (TGE) for $FLOW, the protocol's utility and governance token.
  • Utility: fee discounts on streams/payroll, vault reward boosts, and access to premium payroll features.
  • Governance: $FLOW holders vote on vault APR parameters, supported lock terms, and treasury use.
  • Fair-launch focus: transparent allocation, vesting for team/treasury enforced on-chain via the same streaming contract we built.

Q2 2027 — Ecosystem & growth

  • Stream marketplace for buying/selling active streams.
  • Vault integration with real yield once lending protocols mature on OPN.
  • Staking $FLOW to back the vault reward pool and earn protocol fees.
  • SDK and public API so other OPN apps can embed OpnFlow streaming.

Beyond

  • Cross-chain streaming via OPN's planned IBC support.
  • On-chain notifications, recurring/DCA payments, and richer analytics.
  • Progressive decentralization: hand vault and fee parameters to $FLOW governance.

On-chain proof

03/03

3 contracts on OPN Chain.

The chain itself confirmed every deployment is valid, signed by the builder's wallet, and inside the season's window.

  • 01SavingsVaultPrimary

    0xa4542Cb6E9488F42E461200112d110a622522Ded

    tx 0xc49a0b71c0417c39c310c1d1433d7b553bcfaa17b65eb0c5fd325e9db40951ed

    deployed Jun 5, 2026 · block 17959106

  • 02PaymentStream

    0x0B50bD9151f72260d0611352951c07aAF56ced42

    tx 0xb4acc0243b1b5b82c95c9f38adcfab6ddc4388aa7fe72c82e66e6b45baf84e07

    deployed Jun 5, 2026 · block 17959103

  • 03MockUSD

    0xe5d0A8D772b4BBdF20233f547a21185e26F64772

    tx 0xcff292c9cacc5a5775323e1e8d297d7101850f35f374a643ec3bca37dd264de6

    deployed Jun 5, 2026 · block 17959099