OpnFlow
Real-time payment streaming, batch payroll, and locked savings — open finance on OPN Chain.
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return _vestedAmount(s) - s.withdrawn; // derived from block.timestamp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.