SimpleFI Payment Flow

This diagram shows the complete payment flow for SimpleFI, including the liveness guarantee when SimpleFI is unavailable.

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Key Properties

• Counterfactual deployment: Funds can be sent to the vault address before the contract is deployed
• Deterministic addressing: Factory.getAddress(PRID, Merchant) always returns the same address
• Liveness guarantee: Anyone can deploy the vault and trigger withdrawal — SimpleFI is not a required intermediary
• No custody risk: The vault is hard-locked to the Merchant. SimpleFI can never divert funds.