Ethereum Zuri 2026

Building a decentralized payment protocol
2026-04-10 –, Sihl (Y24-G-55)

Yodl pay builds a decentralized payment protocol to make any QR Code payable with any token, wallet, chain.

How we build towards:

  • Passing the walk away test
  • Remove vendor lock-in
  • Decentralized, non-custodial, immutable
  • Smart accounts
  • Privacy protocols

  • Passing the walk away test:

Most neobanks and QR Code payment apps are centralized and easy to break up. I'll show how we decentralized with SDKs, moving metadata onchain.

  • Remove vendor lock-in

Yodl uses ENS so that processors can integrate into yodl, without yodl's permission.

  • Decentralized, non-custodial, immutable

  • Smart accounts

Using smart account features such as batched transaction to a) fund payments from various sources (swaps, privacy pools) b) one-click payment

  • Privacy protocols

How we plan to add privacy into the protocol, like privacy pools, railgun or stealth addresses

See also: Slides

12 years in doing QR Code/mobile payments. Worked with most QR Code/mobile payments. Previously CTO at EU payment network Bluecode.com