Owezy

Owezy is the credit ledger that collects itself, for small businesses in Argentina and Brazil: the corner bakery or kiosk that lets regular customers take things on credit and writes it down in a notebook.

The problem. Money arrives without context: a transfer comes in and the owner has to work out who sent it and why. A paper ledger is great for writing things down, but collecting means chasing every customer and remembering who already paid. And asking a customer to install a crypto wallet loses the sale.

How it works.

1. The owner tells the agent what someone took, in plain language: "Juan took 2 dozen medialunas, 12k pesos". The agent writes it in the ledger.
2. One tap sends the customer a payment link, with a card to share by WhatsApp. The customer pays from their bank or virtual wallet in pesos (or reais with Pix) through Ripio's on-ramp, without touching crypto. The business receives wARS (or wBRL) on Celo.
3. The agent reconciles each incoming transfer with its pending charge, marks the customer as paid in the ledger, and gives both sides a receipt.

Agent and guardrails. Built with eve (Vercel). Every write tool requires the owner's confirmation. Charge creation is idempotent per request, so a retried step never creates a duplicate. Reconciliation never guesses: if two pending charges share an amount, the transfer is flagged for a person to assign. Money is a bigint in base units, and charges are capped.

Celo stack. Built for Celo mainnet with Ripio's wARS and wBRL. The agent wallet tags its transactions with the event's ERC-8021 attribution tag, and its ERC-8004 registration card is published. The public demo runs with simulated payments, clearly marked as test mode; the first live mainnet transactions are in progress.

UX. The app speaks Spanish (es-AR), Brazilian Portuguese and English, and shows amounts in the user's own currency. The live demo shows the owner's chat and the customer's phone side by side.

Who it is for, and next steps. Small shops and freelancers in Argentina and Brazil who already sell on credit. After the hackathon, the plan is to onboard a first group of local shops and add more Ripio currencies (wMXN, wCOP, wPEN, wCLP).