Smither White Paper (v1)

Introduction

Smither is building a voice-first, AI-powered payment platform that bridges traditional fiat currency and blockchain-based assets. Our mission is to make sending money as simple as speaking — without requiring users to hold cryptocurrency upfront.

The Problem

• Traditional payment systems have high fees, delays, and privacy trade-offs.
• Crypto wallets are intimidating to non-technical users.
• Global peer-to-peer transfers are still complex and slow for most people.

The Smither Solution

Smither eliminates friction by:

• Allowing USD-to-stablecoin conversion on demand (no crypto needed upfront).
• Using AI-powered voice commands for instant transactions.
• Offering end-to-end encryption to protect privacy.
• Supporting global reach with stablecoins and scalable blockchain infrastructure.

Technology

• On-ramp partners (MoonPay, Transak, etc.) for fiat-to-crypto conversion.
• Stablecoin backbone (USDC and expansion to other currencies).
• AI layer (OpenAI Whisper for voice commands, GPT for smart transaction logic).
• Security layer (AES-256 encryption + blockchain transparency).

Business Model

• Low transaction fees (~0.5% to 1%).
• Premium API integration for businesses.
• Potential staking or rewards model for users holding Smither Token in the future.

Roadmap

• MVP (Now) – Voice-to-crypto payments (USDC, USD)
• Phase 2 – Multi-currency stablecoin support + global expansion
• Phase 3 – Smither Token for instant clearing & rewards
• Phase 4 – Deeper integrations into gaming, freelancing, and e-commerce