Proposal description
Dash Refill by DashUp
This is a FAQ compiled from the comments of DashCentral, DashNexus, the #thunderdome channel of Dash Talk Discord and direct communication with community members. It will be updated as new questions come up that need answers. We will also be in the afterparty following today's podcast, so please stop by if want additional clarification on questions you might have.
1.) Dash Refill / Mobile Topup is a for profit business and should talk to the DIF.
Dash Refill is open source code designed to accelerate Dash usage, build refill volume and is able to be merged in the Core Wallet. There is no profit generated yet in the growth phase, please read how the DIF chooses investments and how it can own the backend rails that power the refills below.
This is crypto, this is special. Stay with us on this one:
Mobile Topup offers the Dash DAO their refill rails for free at wholesale prices and returns all revenue share back to the users in form of DashBack and affiliate referral rewards. Quote from the General Manager of Mobile Topup:
We talked to a DIF supervisor (@essra) and discussed the investment option. The DIF is interested in investing in profit generating businesses, so they asked us to first generate volume and a profit and then return for an investment.
Mobile Topup offered to continue supporting Dash Refill at wholesale prices until the affiliate growth is exhausted and profits start to be generated, or for a minimum of 2 years. At either point (growth exhaustion or Dec 2021), the Dash DAO through the Dash Refill open source App will have accumulated enough refill volume to be in a strong position to negotiate which provider to choose and to take its volume there. Mobile Topup offered to then spin out an api resell service that the DIF can invest in, so the Dash DAO can have equity in its own refill rail and enjoy the profit it generates.
The scope of the proposal for Dec 2019 is to write the open source Android App that will use the preferred pricing, non-profit generating Mobile Topup refill rails to deliver refills to Dash users and generate volume to create a path for DIF investment.
2.) Mobile Topup requires the user to sign up for an account?
The partnership with Dash Refill will not use the Mobile Topup website or require an account. Dash Refill will use the backend refill rails that power Mobile Topup directly. With one touch, the user sends Dash to Mobile Topup and receives the refill credit instantly, #NoAccountRequired
3.) Mobile Topup doesn't support Venezuela because it is not listed on there website?
Mobile Topup has access to a network of refill api providers with multiple options to support Venezuela and will add additional options as a result of the partnership with Dash Refill.
4.) Is Dash Refill another Wallet? What is the advantage here?
Dash Refill is not a wallet and does not hold Dash. It is a way of connecting the Dash user to spend the Dash in their existing wallet to directly purchase consumer services, initially mobile topups. This solve the “last mile problem” of remittances. The remittance receiver will not have to pay the conversion commission to first convert Dash into local Fiat but can spend Dash directly. In fact, the remittance sender (often more technically savvy) can purchase the consumer services directly on behalf of the remittance receiver. Mobile refills are a clear first choice as they are a basic human necessity to access any online services including Facebook, WhatsApp and staying in touch with your family. Additional consumer services can be added, like Bill Pay, vouchers, public transit cards etc. This is a first iteration of an open source project, every community member can contribute and add additional services to connect Dash users with the services they need.
The scope of this proposal is to write Dash Refill as a standalone open source app that will use the users already installed wallet to settle the payment. It will be available to be merged into the existing Dash Core Wallet.
Overview
Dash Refill - This is the first feature of a Dash experience app built by the DashUp team. The experience app enables instant mobile top ups and works seamlessly with the Android Dash Wallet. Additional features to provide easy to access financial tools will be added such as Dash Savings and other seamless integrations.
Users (Latam, SE Asia)
Opportunity - Top ups are the most sold good online with billions of pre-paid phones worldwide, making it a basic necessity to access the internet, social media, and etc.
Integration Partner - Mobile Topup has been generating a profit in the refill business for nearly a decade. Thanks to the great work of Dash Embassy Thailand, Mobile Topup accepts Dash as a payment method. Working with Dash allows Mobile Topup to avoid passing the 5% credit card fees to the customer and offer preferred pricing to Dash Refill. Once funded, Dashameter will be travelling to Thailand to work directly with the Mobile Topup team to integrate Dash Refill with their services.
Advisors
What your vote gets - The first month funding is technology focused and covers the open source development and release of a standalone Android app with a clean user experience and seamless integration with the Android Dash Wallet to confirm transactions. The app will be written modularly and follow the design guidelines of Dash Core Group in order to make a future Dash Refill merge into the Dash Wallet seamless. DashUp is open to feedback from DCG towards merging the code. Future proposals will be explored for affiliate marketing initiatives, and an iOS version of Dash Refill.
DashUp, comprised of Adam and Dashameter, is looking to provide Dash users with easy access to financial tools by building open source apps for the Dash platform. Dash Refill is one component of DashUp's larger vision.
Funding and Roadmap
Funding
130 DASH
Timeline
The first month is for an open source standalone Dash Refill app that works seamlessly with the Android Dash Wallet. The app will be compatible with the Dash Core Group's wallet and available to merge into their Wallet.
Present (130 DASH)
Items (See design mock up above)
Usage of Funds
Dash Value
If DASH appreciates, additional funds will be applied to supporting the project. If DASH depreciates, an additional proposal will be made to cover the value difference.
Future
Features
Business Model
Dash Refill will be developed transparently and open sourced.
Growth
Android User Flow (See design mock up above)
Backend Services
DashUp will continue to listen to ongoing feedback post funding to ensure we're crafting the best possible solution.
DashUp Vision
Adam and dashameter are passionate in advancing technology that makes financial freedom accessible to everyone.
Adam - Prior to working on Coinverse for the last year, the first crypto news app for audiocasts, Adam was part of the Android team at eBay and worked on Mobile Ad Partnerships at Google. Outside of tech, Adam enjoys tasting coffee from around the world, exploring health and wellness, and traveling.
Dashameter - Crypto and Android developer experienced in Bitcoin, Dash and an array of backend technologies.
Dash Nexus Link: https://app.dashnexus.org/proposals/dash-refill/overview
FAQThis is a FAQ compiled from the comments of DashCentral, DashNexus, the #thunderdome channel of Dash Talk Discord and direct communication with community members. It will be updated as new questions come up that need answers. We will also be in the afterparty following today's podcast, so please stop by if want additional clarification on questions you might have.
1.) Dash Refill / Mobile Topup is a for profit business and should talk to the DIF.
Dash Refill is open source code designed to accelerate Dash usage, build refill volume and is able to be merged in the Core Wallet. There is no profit generated yet in the growth phase, please read how the DIF chooses investments and how it can own the backend rails that power the refills below.
This is crypto, this is special. Stay with us on this one:
Mobile Topup offers the Dash DAO their refill rails for free at wholesale prices and returns all revenue share back to the users in form of DashBack and affiliate referral rewards. Quote from the General Manager of Mobile Topup:
We don’t need profit on this, happy just to have the volume and grow crypto.
~Bryan Blair, Founder and CEO MobileTopup.com
We talked to a DIF supervisor (@essra) and discussed the investment option. The DIF is interested in investing in profit generating businesses, so they asked us to first generate volume and a profit and then return for an investment.
Mobile Topup offered to continue supporting Dash Refill at wholesale prices until the affiliate growth is exhausted and profits start to be generated, or for a minimum of 2 years. At either point (growth exhaustion or Dec 2021), the Dash DAO through the Dash Refill open source App will have accumulated enough refill volume to be in a strong position to negotiate which provider to choose and to take its volume there. Mobile Topup offered to then spin out an api resell service that the DIF can invest in, so the Dash DAO can have equity in its own refill rail and enjoy the profit it generates.
The scope of the proposal for Dec 2019 is to write the open source Android App that will use the preferred pricing, non-profit generating Mobile Topup refill rails to deliver refills to Dash users and generate volume to create a path for DIF investment.
2.) Mobile Topup requires the user to sign up for an account?
The partnership with Dash Refill will not use the Mobile Topup website or require an account. Dash Refill will use the backend refill rails that power Mobile Topup directly. With one touch, the user sends Dash to Mobile Topup and receives the refill credit instantly, #NoAccountRequired
3.) Mobile Topup doesn't support Venezuela because it is not listed on there website?
Mobile Topup has access to a network of refill api providers with multiple options to support Venezuela and will add additional options as a result of the partnership with Dash Refill.
4.) Is Dash Refill another Wallet? What is the advantage here?
Dash Refill is not a wallet and does not hold Dash. It is a way of connecting the Dash user to spend the Dash in their existing wallet to directly purchase consumer services, initially mobile topups. This solve the “last mile problem” of remittances. The remittance receiver will not have to pay the conversion commission to first convert Dash into local Fiat but can spend Dash directly. In fact, the remittance sender (often more technically savvy) can purchase the consumer services directly on behalf of the remittance receiver. Mobile refills are a clear first choice as they are a basic human necessity to access any online services including Facebook, WhatsApp and staying in touch with your family. Additional consumer services can be added, like Bill Pay, vouchers, public transit cards etc. This is a first iteration of an open source project, every community member can contribute and add additional services to connect Dash users with the services they need.
The scope of this proposal is to write Dash Refill as a standalone open source app that will use the users already installed wallet to settle the payment. It will be available to be merged into the existing Dash Core Wallet.
Overview
Dash Refill - This is the first feature of a Dash experience app built by the DashUp team. The experience app enables instant mobile top ups and works seamlessly with the Android Dash Wallet. Additional features to provide easy to access financial tools will be added such as Dash Savings and other seamless integrations.
Users (Latam, SE Asia)
- Most people don't own a personal computer, they hold a small amount of Dash, and use smartphones to access goods and services.
- The ability to refill top ups instantly from the phone saves Dash users time and money.
- Travelling workers send minutes back home frequently, often don’t have access to credit cards, and are impacted by high exchange rate fees.
Opportunity - Top ups are the most sold good online with billions of pre-paid phones worldwide, making it a basic necessity to access the internet, social media, and etc.
Integration Partner - Mobile Topup has been generating a profit in the refill business for nearly a decade. Thanks to the great work of Dash Embassy Thailand, Mobile Topup accepts Dash as a payment method. Working with Dash allows Mobile Topup to avoid passing the 5% credit card fees to the customer and offer preferred pricing to Dash Refill. Once funded, Dashameter will be travelling to Thailand to work directly with the Mobile Topup team to integrate Dash Refill with their services.
Advisors
- Jan Heinrich Meyer, Founder, Dash Embassy
- Bryan Blair, Managing Director, Mobile Topup
What your vote gets - The first month funding is technology focused and covers the open source development and release of a standalone Android app with a clean user experience and seamless integration with the Android Dash Wallet to confirm transactions. The app will be written modularly and follow the design guidelines of Dash Core Group in order to make a future Dash Refill merge into the Dash Wallet seamless. DashUp is open to feedback from DCG towards merging the code. Future proposals will be explored for affiliate marketing initiatives, and an iOS version of Dash Refill.
DashUp, comprised of Adam and Dashameter, is looking to provide Dash users with easy access to financial tools by building open source apps for the Dash platform. Dash Refill is one component of DashUp's larger vision.
Funding and Roadmap
Funding
130 DASH
Timeline
The first month is for an open source standalone Dash Refill app that works seamlessly with the Android Dash Wallet. The app will be compatible with the Dash Core Group's wallet and available to merge into their Wallet.
Present (130 DASH)
Items (See design mock up above)
- Open source Android Dash Refill app that auto detects the user's mobile provider given permission.
- Create instant top up button with the users favorite preset values.
- Seamlessly requests payment confirmation from the Android Dash Wallet.
Usage of Funds
- Two full-time software engineers, 125 DASH (Due to the current bear market we're requesting 40% the industry avg. in our geographical market for software engineers.)
- Proposal fee, 5 DASH
Dash Value
If DASH appreciates, additional funds will be applied to supporting the project. If DASH depreciates, an additional proposal will be made to cover the value difference.
Future
Features
- Referral bonuses to invite your friends and family
- iOS version
- Direct integration inside of Android Dash Wallet
- Provide usage history.
- Easy UX to top up friends and family
- Potential to expand Dash Refill services to offer more instant access products.
Business Model
- In addition to the masternode proposal, Dash Refill will earn a referral percentage of the mobile top up value.
- Referral funds will be used for a promotional period giving 100% of the referral funds directly back to the customer in the form of DashBack.
Dash Refill will be developed transparently and open sourced.
Growth
- Dash Refill will work with existing Dash communities such as Dash News, Dash Brasil, Dash Thailand, and etc. to gain organic traction. DashUp has been collaborating with each throughout the pre-proposal process.
- Working with MobileTopup.com as our integration partner, DashUp will leverage the extensive network of providers to offer their best rates to the user. With volumes to start we have seen markups for certain Latam countries at 5% (ranging much higher/lower as well). With a discount of 8% on certain providers we have room to navigate on the margin. DashUp is in discussions with providers directly, Bitrefill, Reloadly, Claro, Movistar, and more. These numbers are subject to provider availability and exchange rate fluctuations.
- DashUp will use the higher profit margins from more favorably priced providers to fund promotional discounts and referral rewards as well as taking advantage of the better pricing at future scale.
- Future proposals will include a referral feature for users to earn discounts inviting new users to join the Dash Refill platform.
- Future proposals may include a budget to collaborate with an affiliate marketing team.
Android User Flow (See design mock up above)
- DashUp will launch Dash Refill first on Android (native Kotlin) to validate the concept, as this is where the majority of Dash users are. Future proposals can be expected to rollout an iOS version coded in Swift for platform feature parity.
- User opens standalone Refill app and the app populates existing user's phone number and mobile service provider info, given user's permission.
- User selects amount to top up.
- Payment request is sent to Dash Wallet app via deeplinks, this opens the Sending Payment view of the Wallet as an overlay of the Dash Refill app, where the user confirms the payment request. Dash Wallet sends Dash to third party provider.
- After payment request is confirmed, the Send Payment overlay closes and the user stays in the Dash Refill app. Note: no Dash is stored within the Dash Refill app.
- Payment is sent to MobileTopUp.com.
- MobileTopUp.com receives the payment and the top up is sent to the user's account based on their phone number.
- User receives a success confirmation from the Dash Refill app.
Backend Services
- Dash Refill will integrate with MobileTopUp.com to connect with a range of mobile providers and make the requests for the mobile data top ups using Dash.
- Using the dash: and dashwallet: deep links we will use the existing Dash Wallet to complete the order and discuss additional wallet APIs with Dash Core Group to expand the wallet capabilities for developers
DashUp will continue to listen to ongoing feedback post funding to ensure we're crafting the best possible solution.
- Users - Hold feedback and test sessions in different regions (Latam, Asia, US, etc...)
- Masternodes, DashWatch - Communicate progress and latest developments
DashUp Vision
Adam and dashameter are passionate in advancing technology that makes financial freedom accessible to everyone.
Adam - Prior to working on Coinverse for the last year, the first crypto news app for audiocasts, Adam was part of the Android team at eBay and worked on Mobile Ad Partnerships at Google. Outside of tech, Adam enjoys tasting coffee from around the world, exploring health and wellness, and traveling.
Dashameter - Crypto and Android developer experienced in Bitcoin, Dash and an array of backend technologies.
Show full description ...
Discussion: Should we fund this proposal?
Submit comment
- They committed to Dash, Dashameter has been an MNO for over 3 years and has made numerous contributions including software development and merchant outreach, he personally recruited Adam. Adam has taken the time to meet with Ryan and have extensive calls with DCG and other stakeholders in the DAO. They have both taken the time to present options to the DAO, solicit feedback, understand the feedback given and refine their offering to put before you.
- They are both exceptional developers, Dashameter has the testament of DCG Android Developer Sam Barbosa who has even commited to reviewing his code though I will doubt that will be necessary as in Sam's words: 'He is one of the best coders I have met'. If you look Adams credentials, he has worked as a product manager at Google and an Android Developer at Ebay, his github is here: https://github.com/AdamSHurwitz review it yourself, or take my word, he is a very good developer.
- They have a fantastic product in mind (multiple in fact). The refill market is one of the largest opportunities for people to spend Dash right now, it scales globally and is particularly used in developing economies. This product naturally evolves from mobile top-ups to giftcards and beyond (the same way BitRefill did). I can't spend a single Dash where I live, but I can buy mobile top-ups and I can buy vouchers - this product will open up more Dash based purchases across the world. This will be easier than BitRefill as a direct integration with the Dash wallet via deeplinks and this app is just the start, they will demonstrate value with this offering before ultimately building an option to buy refills (and probably giftcards) directly in the Dash Wallet. I'm sure you can see the huge value that offers to the ecosystem as a whole.
- This product can not only sustain itself, but grow itself too. The refills (+ giftcards) would have affiliate commissions factored in, this can either be offered to the users as a discount, given back to the user as 'Dash Back' or kept as revenue for a business entity potentially via the DIF.
- They are working at a much lower salary and are making a fully open source product, with the only immediate gain for them being that they have proven their worth to the DAO, which I have no doubt of them doing. This will evolve into other opportunities for them with Dash and that just means more options for us. Even just looking at this proposals merit on its own, 130 Dash for a fully OSS app that is integrated with the wallet allowing people to instantly buy mobile top-ups globally is an absolute steal.
In my mind, this is exactly the kind of talent Dash needs to attract and retain, they have a great product in mind and a vision going forward that will bring a huge benefit to Dash. Thank you both for bringing this before the DAO and best of luck with the proposal!
It might be a big hurdle actually that DashUp requires installing an app in the first place, so at least the service should be available via web too (Which could also be solved by Flutter as Flutter compiles to web as well) From my experience about 80% of all users with low end devices do not have any space available to install any apps. For mid end devices the rate is still 50% and just the high end devices have always had space to install an app.
In addition to that many users have forgotten the password to the Apple App Store, which blocks them from installing any apps at all. They might also have broken displays or no data plan available (As they are actually requiring a mobile refill, the case that they do not have any data left on their plan is quite frequent)
At the same time it might be very sexy that DashUp offers a native app. I think in the long run it should provide Android, iPhone, Web and Text Message integrations.
Flutter is not any "bad performing cross platform trash", it is being translated into ARM machine code and is the first cross platform framework that has ever been doing that. Adam is actually a fan of Flutter, that is why I was mentioning it and asking him for his opinion on that matter...
The price for mobile app development might be reasonable, but the question is, do we need an expert to work on an app that is that simple which actually only connects to some HTTP callbacks? Could that work be done cheaper by a Junior Developer? Could an expert developer be managing other developers to implement the work more cost efficiently, as he could invest his competence in managing multiple projects at one time, that would lead to more results for the same investment of the DAO?
Just some basic questions that go through my mind :) Hopefully it clarifies my thought process and intentions.
And only 77 yes votes?
In Venezuela people are used to pay 20% to 50% in fees for a mobile top up, if with DashUp we would be able to offer a service at 5-10% fee that would be a major advantage to the competition.
DashUp would also be much easier to be promoted than Bitrefill and would offer a cleaner UX, as DashUp would only be focusing on mobile phone refills which makes the whole process so much easer. Currently on Bitrefill they are offering so many services which are unrelated to that one service which 100% of all Venezuelans need, which is the mobile top up.
I see it very positive that Adam and Dashamater want to release all the code as open soure project, which allows that the community can participate on fixing bugs and filing issues. Maybe a small part of the proposal fee could be reserved for a bug bounty so that we can make use of the whole power of the DASH community?
130 DASH is certainly not cheap for such a simple app, but Adam seems to be a very passionate and experienced developer, giving talks about the latest technologies and also being involved with them, so I would say its totally worth it.
The main question to me would be, if for that money do you guarantee a running app, a working product at the end of that month?
Why dont you write that app in Flutter, so then it would be available for iOS and Android right away? The app in itself seems to be quite simply and totally manageable with a cross platform framework.
I just checked Mobile TopUp and I realised they do not offer any mobile phone charging for Venezuela... So all of the above onboarding arguments for Venezuela are invalid :) Maybe it would make more sense to first assure that you would be able to integrate that service into Venezuela before proceeding with the development? The biggest hurdle I see is getting connected with the Venezuelan mobile phone operators, would you be able to travel to Venezuela and work on that or do you want to pay an employee to get that done reliably?
I would vote for getting the biggest hurdle out of the way first, to make sure that the project can be a success. I dont see much value in this service for europeans as in europe people usually dont need mobile top ups, they have contracts or get their tops proceeded automatically via bank transfer and the fees for them are zero.
I have no Idea about the situation in Colombia, maybe there it would be very valueable, but we dont have teams operating there at the moment who could promote the product. What about the market in Asia? Would that tool be very useful for the onboarding process over there?
I would be happy to promote this product in Venezuela, but I know that things here are not that easy and you must be located here to get things done to get connected with the national mobile phone providers, if you would be coming up with a solution via bitrefill that would not help much and DashText had tried to work with bitrefill but their collaboration failed in the end.
I would rather see it made easier for merchants to connect existing solutions directly to their bank, more ATMs, mixing in the electrum wallet and such.
Is Dash Refill another Wallet? What is the advantage here?
Dash Refill is not a wallet and does not hold Dash. It is a way of connecting the Dash user to spend the Dash in their existing wallet to directly purchase consumer services, initially mobile topups. This solve the “last mile problem” of remittances. The remittance receiver will not have to pay the conversion commission to first convert Dash into local Fiat but can spend Dash directly. In fact, the remittance sender (often more technically savvy) can purchase the consumer services directly on behalf of the remittance receiver. Mobile refills are a clear first choice as they are a basic human necessity to access any online services including Facebook, WhatsApp and staying in touch with your family. Additional consumer services can be added, like Bill Pay, vouchers, public transit cards etc. This is a first iteration of an open source project, every community member can contribute and add additional services to connect Dash users with the services they need.
The scope of this proposal is to write Dash Refill as a standalone open source app that will use the users already installed wallet to settle the payment. It will be available to be merged into the existing Dash Core Wallet.
It mentions leveraging dash thailands experience and there 'mobile topup' yet its focus is in the south american region
Voring NO
The advantages are many, including solving the last mile problem for remittances. Please see our FAQ that we added above to address your questions, I copied question 1 and 4 here into the comment for your convenience. If you have additional questions, please reach out or join us in the afterparty following the podcast tonight and we can better express what the advantages of this project are.
1.) Dash Refill / Mobile Topup is a for profit business and should talk to the DIF.
Dash Refill is open source code designed to accelerate Dash usage, build refill volume and is able to be merged in the Core Wallet. There is no profit generated yet in the growth phase, please read how the DIF chooses investments and how it can own the backend rails that power the refills below.
This is crypto, this is special. Stay with us on this one:
Mobile Topup offers the Dash DAO their refill rails for free at wholesale prices and returns all revenue share back to the users in form of DashBack and affiliate referral rewards. Quote from the General Manager of Mobile Topup:
We don’t need profit on this, happy just to have the volume and grow crypto.
~Bryan Blair, Founder and CEO MobileTopup.com
We talked to a DIF supervisor (@essra) and discussed the investment option. The DIF is interested in investing in profit generating businesses, so they asked us to first generate volume and a profit and then return for an investment.
Mobile Topup offered to continue supporting Dash Refill at wholesale prices until the affiliate growth is exhausted and profits start to be generated, or for a minimum of 2 years. At either point (growth exhaustion or Dec 2021), the Dash DAO through the Dash Refill open source App will have accumulated enough refill volume to be in a strong position to negotiate which provider to choose and to take its volume there. Mobile Topup offered to then spin out an api resell service that the DIF can invest in, so the Dash DAO can have equity in its own refill rail and enjoy the profit it generates.
The scope of the proposal for Dec 2019 is to write the open source Android App that will use the preferred pricing, non-profit generating Mobile Topup refill rails to deliver refills to Dash users and generate volume to create a path for DIF investment.
2.) Mobile Topup requires the user to sign up for an account?
The partnership with Dash Refill will not use the Mobile Topup website or require an account. Dash Refill will use the backend refill rails that power Mobile Topup directly. With one touch, the user sends Dash to Mobile Topup and receives the refill credit instantly, #NoAccountRequired
3.) Mobile Topup doesn't support Venezuela because it is not listed on there website?
Mobile Topup has access to a network of refill api providers with multiple options to support Venezuela and will add additional options as a result of the partnership with Dash Refill.
4.) Is Dash Refill another Wallet? What is the advantage here?
Dash Refill is not a wallet and does not hold Dash. It is a way of connecting the Dash user to spend the Dash in their existing wallet to directly purchase consumer services, initially mobile topups. This solve the “last mile problem” of remittances. The remittance receiver will not have to pay the conversion commission to first convert Dash into local Fiat but can spend Dash directly. In fact, the remittance sender (often more technically savvy) can purchase the consumer services directly on behalf of the remittance receiver. Mobile refills are a clear first choice as they are a basic human necessity to access any online services including Facebook, WhatsApp and staying in touch with your family. Additional consumer services can be added, like Bill Pay, vouchers, public transit cards etc. This is a first iteration of an open source project, every community member can contribute and add additional services to connect Dash users with the services they need.
The scope of this proposal is to write Dash Refill as a standalone open source app that will use the users already installed wallet to settle the payment. It will be available to be merged into the existing Dash Core Wallet.