A WhatsApp-native AI payment agent and MCP Payment Server for B2C payments in Colombia, using VIIO accounts for onboarding, the user’s USDT balance for funding, instant COP payments via Bre-B as the first provider connector, and TRON/USDT as the settlement and reference layer.
The grant funds a complete WhatsApp-to-Bre-B payment loop with TRON in the settlement/reference path. GTM and brand positioning through VIIO’s proven infrastructure.
A live mainnet launch: users sending USDT-funded local payments from WhatsApp, every payment reconciled across VIIO, Bre-B, and TRON references.
Account infrastructure, treasury controls, Fireblocks MPC custody/signing, and the Bre-B rail. The grant builds the agent and MCP layer on top.
Not a custody change. VIIO keeps custody, KYC, and treasury; the MCP orchestrates and calls internal services. It does not custody funds.
A user types an instruction in plain language. VIIO turns it into a structured, validated payment intent and executes it through controlled infrastructure to access hundreds of payment rails.
“Send 20,000 COP to Sebastian.” The agent parses intent, fills gaps, shows a quote, and asks for explicit confirmation.
The agent-facing orchestration layer. It validates, quotes, creates intents, gates confirmation, and triggers execution. It does not custody funds.
On confirmation, VIIO reserves/debits the user’s USDT balance and creates the treasury / conversion / payment order on its own ledger.
Bre-B is the first provider connector for instant COP payout. TRON/USDT is the funding, settlement, and reference layer with a full reconciliation chain.
Every step stays inside VIIO-controlled infrastructure. Explicit user confirmation is required before any execution; the highlighted node is where a USDT balance becomes a local bill paid, with instant settlement on Bre-B.
From a WhatsApp message to money moved, in seconds.
VIIO has run production payment infrastructure since January 2023, with a team of 20+ people across product, engineering, treasury, stablecoin operations, compliance, security, and partnerships. The grant builds on systems already in operation.
Team: Sebastian Rocha, Santiago Hernandez, Andres Fonseca, Camilo Echeverri, plus VIIO engineering, treasury, compliance, and GTM.
Payments are gated and controlled until the mainnet launch. Testnet work uses dry-run and mock execution where Bre-B has no sandbox.
WhatsApp agent, VIIO login/session, USDT balance check, MCP Payment Server v0, connector registry, TRON testnet setup.
Full WhatsApp-to-MCP flow, USDT reserve/debit + treasury dry-runs, Bre-B execution readiness, reconciliation records, safety gates.
Production launch. 10–25 USDT-funded live Bre-B payments, limits enforced, 100% reconciled, 90%+ orchestration success.
B2C adoption, local PR, provider BD, five endpoint specs, post-launch connector readiness, delivered within this grant.
| Category | Amount | Share |
|---|---|---|
| MCP Payment Server + connector registry | $35,000 | |
| Provider BD, compliance review + endpoint specs | $35,000 | |
| WhatsApp agent + user session | $30,000 | |
| Bre-B integration + execution controls | $30,000 | |
| B2C adoption, local PR + content | $25,000 | |
| TRON testnet/mainnet reference layer | $20,000 | |
| Fireblocks MPC, security, compliance controls | $15,000 | |
| Reconciliation + mainnet reporting | $10,000 | |
| Total | $200,000 |
Tranches are milestone-gated. The largest (T4) delivers adoption plus a validated provider pipeline and five endpoint specs as concrete grant outputs.
Consumer orchestration fees, connector fees as rails are added, USDT-to-fiat spread/conversion margin, and future B2B/API access once the B2C loop is proven.