# Wyopay

> Wyopay is a working demonstration of the XKOVA Stablecoin Payment System (SPS) for credit unions, fintechs, and neobanks. It uses FRNT, the Frontier Stable Token, as the primary stable token rail while presenting a familiar banking experience.

Wyopay demonstrates email-based payments and requests, escrow that lets non-members receive FRNT, USD conversion, simulated BTC.b swaps, a simulated yield experience, ecommerce integrations, rewards, and operator revenue opportunities. The experience is gasless by design. The public demo runs on Avalanche testnet. XKOVA SPS runs on multiple EVM chains.

Wyopay is an independent demonstration from XKOVA LLC. It is not affiliated with, endorsed by, or operated by the State of Wyoming or the Wyoming Stable Token Commission. FRNT is a public, permissionless stable token available on multiple supported blockchains.

## Site Pages

- [Home](https://wyopay.me/): Overview of the Wyopay demonstration and its FRNT-centered member experience.
- [Why Wyopay](https://wyopay.me/why-wyopay): The value of familiar stable token rails for members and operators.
- [Capabilities](https://wyopay.me/capabilities): Email payments, escrow, USD conversion, BTC access, demo yield, commerce, rewards, and operator economics.
- [Technology](https://wyopay.me/technology): XKOVA SPS architecture, gasless transactions, integrations, and support for multiple EVM chains.

## Primary Resources

- [Launch the Wyopay Demo](https://beta.wyopay.me/): Interactive Avalanche testnet demonstration.
- [XKOVA SPS](https://xkova.com/platform/sps): Information about the XKOVA Stablecoin Payment System.
- [Official FRNT Information](https://stabletoken.wyo.gov/pages/FRNT): Official information from the Wyoming Stable Token Commission.

## Detailed Reference

- [Full Wyopay LLM Reference](https://wyopay.me/llms-full.txt): Expanded product, audience, capability, technology, and disclaimer context.