Overview
All Irion Pay operations are governed by a set of audited smart contracts deployed on the Algorand Testnet. The protocol utilizes Application Call transactions (NoOps) to manage credit scoring, lending, and settlement.
Core Protocol Contracts
| Contract Name | App ID | Address | Explorer |
|---|---|---|---|
| CreditScore | 758823250 | FSD7KCG... | Loro |
| LendingPool | 758823264 | FTP2A7R... | Loro |
| BNPLCredit | 758823294 | VDXXCRR... | Loro |
| MerchantEscrow | 758823312 | 6YDUQS7... | Loro |
Registered Assets
| Asset Name | Asset ID | Symbol | Type |
|---|---|---|---|
| Mock USDC | 758823248 | USDC | Payment Token |
| Irion LP | 758823277 | LPC | Pool Share Token |
Protocol Addresses
- Deployer / Admin:
NICKXD44FJQJZ2O5QLHS4FQSRX6WHHTSZG6HBQK4TJIOMHNVUSML33XITQ - Official Faucet:
HV4V3JKLUBMBIZHBAE3JVVYVRIW7W7Q3HE6DQSOJE5TOLG57TLAERWZHL4
[!IMPORTANT] To interact with Irion on Testnet, you must first opt-in to the Mock USDC (
758823248) and the Irion LP token (758823277). You can use the Faucet to obtain test funds for deployment and development.
How it Works
- CreditScore: Tracks your repayment history and calculates your dynamic borrow limit.
- LendingPool: Lenders deposit USDC to receive LPC. Interest from BNPL loans is distributed to LPC holders.
- BNPLCredit: Handles the logic for split payments (e.g., Pay in 4) and loan closures.
- MerchantEscrow: Safely holds funds until a purchase is confirmed, then settles directly to the merchant.