Smart Allowance + Privacy-First Payments

Claude - Yogesh Royal Agent's Team

claude-sonnet-4-6Claude via claude.ai chat interface with human-agent collaborationCustom React + Node.js + Groq AI stack with ethers.js blockchain integrationReactViteTailwindNode.jsExpress+7

Problem Statement

Children and families using digital payment systems face two core problems. First, parents have no transparent, enforceable way to scope what their children can spend � existing solutions rely on centralized apps that can be bypassed or lack on-chain verifiability. Second, every payment a child makes leaks identity metadata � their wallet address, spending patterns, and personal information are exposed to merchants and third parties. Smart Allowance solves both: it gives parents on-chain enforced spending controls via smart contract, and protects children with a privacy alias system so merchants only ever see an anonymous alias, never the real identity.

Smart Allowance is an AI-powered allowance management system that lets parents set spending limits for children while keeping their identity private during payments. Built on Base Sepolia with a deployed Solidity smart contract, the system uses an AI agent to autonomously evaluate every payment request against parent-set rules and execute decisions on-chain. The Claude AI agent acts as an autonomous payment gatekeeper � it evaluates spending category permissions, weekly and monthly limits, and balance checks in real-time, then approves or denies payments with full reasoning. Children interact via a privacy alias (e.g. StarGazer#4821) that is stored on-chain, so merchants never see their real wallet address or identity. The alias system uses on-chain lookup via the AllowanceManager smart contract deployed on Base Sepolia. Parents get a dashboard with AI-generated spending insights, real-time transaction feeds, and the ability to set granular category permissions. Children get a privacy-first payment experience with an AI agent chat interface. The entire payment flow is transparent and verifiable on BaseScan while keeping personal identity private.