Offline Payments
A genuinely offline person-to-person payment capability built on the Bank's proprietary Pre-Signed Cryptographic Token Protocol ("PSCTP"). PSCTP allows a customer to send value to another ValuePay customer when neither party has a network connection at the moment of payment.
How PSCTP Works
Five simple steps to pay anyone, anywhere — even without internet.
Token pre-loading
Before going offline, the customer's device is loaded with a batch of cryptographically signed, fixed-denomination tokens — each one a single-use, bank-issued instrument tied to that customer's identity.
Secure storage
The tokens are stored in the secure enclave of the customer's phone (the same hardware vault used by mobile-payment wallets), and cannot be cloned, replayed, or spent more than once.
Offline transfer
When a customer pays another customer offline, the tokens are transferred device-to-device over short-range NFC (with Bluetooth Low Energy as a fallback). No network connectivity is required by either party.
Online reconciliation
When either device returns online, the tokens are presented to the Bank, which verifies the signature, marks the tokens as redeemed in a central registry, and updates both customers' ledgers.
Automatic expiry
Tokens expire automatically 72 hours after issuance if not redeemed, protecting both the Bank and the customer.
Security by Design
PSCTP eliminates the structural risks that have historically constrained offline mobile-money schemes — double-spend, replay, man-in-the-middle attack, and counterparty privacy exposure — while preserving the convenience of a tap-to-pay experience.
Single-use cryptographic tokens — cannot be cloned or replayed
Hardware-backed secure enclave storage
Short-range NFC transfer with BLE fallback
Bank-verified signature on every redemption
72-hour automatic token expiry
Full audit trail on reconciliation
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