Contactless Payments for a Frictionless Future

Tap2Pix is an innovative project designed to simplify and accelerate payments using contactless technology. It enables a seamless, secure, and inclusive payment experience across various formats — including Pix, stablecoins, social currencies, and crypto assets.

How It Works

Tap2Pix supports activation via QR Code, NFC, or payment link, adapting to user behavior and device capabilities. Whether through mobile devices or payment terminals, Tap2Pix brings the "1-Click Buy" experience to the crypto-native world — similar in spirit to Visa and Mastercard's Click2Pay.

It allows for payment journeys with or without redirection, ensuring flexibility across e-commerce, P2P transactions, and retail environments.

Technical Compatibility

• Receivers: Android-based smartphones or POS terminals with NFC support.
• Payers: Works seamlessly on both Apple and Android devices.

Unlike current fragmented NFC solutions, Tap2Pix proposes an open and unified payment standard, bridging the gap across wallets and banking apps while respecting platform-specific constraints.

Technical Architecture

🔗 Interoperability & Standardization

Tap2Pix aims to create a common layer for all participants, including:

• Data Specification: Clear definitions for NFC data fields and formats.
• Security:
  • Android: Host Card Emulation (HCE) with NTAG2016 for compatibility with ISO/IEC 14443-4.
  • Apple: Use of App Clips for NFC activation and streaming app interaction.

System Components

• Payer Device: Android or Apple smartphone with NFC.
• Receiver Device: Android smartphone or NFC-enabled POS.
• Bank Servers: Infrastructure for validating and processing transactions.

Transaction Flow

1. Initiation: The receiver device generates a contactless transaction identifier via NFC.
2. Transmission: The payer taps to read and send encrypted data.
3. Validation: The data is securely validated by banking infrastructure.
4. Confirmation: Both parties receive real-time confirmation.

Security & Privacy

• End-to-End Encryption: QR data is encrypted with private keys linked to authorized PSPs within the Pix ecosystem. Only certified institutions can decrypt, ensuring compliance with LGPD and preventing unauthorized access.
• Authentication: Leverages the user’s existing banking app and verification method (biometrics, PIN, etc.).
• Compliance: Fully aligned with financial regulations and industry-grade security standards.

Platform Integration Highlights

• Android Sellers: Utilize HCE + NTAG2016 to emulate cards and interact with POS terminals.
• Apple Buyers: App Clips allow seamless app invocation via NFC despite OS restrictions.
• Android Buyers: Instant Apps replicate the App Clip experience, enabling NFC-activated sessions without full app installs.

Key Benefits

• Interoperability: A unified standard enables consistent deployment across PSPs, fintechs, and wallets.
• Security: Reduces fraud risks through hardware-rooted protection and encrypted communication.
• Speed & Convenience: Tap-to-pay delivers a frictionless checkout experience, ideal for both high-volume and day-to-day microtransactions.
• Device-Agnostic: Works across major operating systems and hardware configurations.

Tap2Pix represents a step forward in democratizing contactless payments — combining regulatory compliance, technical excellence, and user-centric design. Whether you're a fintech, merchant, or developer, Tap2Pix offers the infrastructure to make the future of payments truly seamless.

‍

‍