CashFlow Contracts: Because Money Should Work on Its Own

#1

I’ve been using Bitcoin Cash for years. Mostly for what it does best: fast, cheap, reliable payments. Send, receive, done. No drama.

But lately, a question’s been bugging me:

“Why does everything still have to be manual?”

Think about it:

  • A freelancer has to send an invoice every week.
  • A DAO struggles to automate milestone payments.
  • A parent wants to give their child a weekly allowance — no fuss, just flow.

We could do all of that on BCH… if we had the right patterns.

I’m not talking about launching a new token or deploying an EVM.
We already have what we need. BCH has powerful opcodes like:

  • OP_CHECKLOCKTIMEVERIFY
  • OP_CHECKDATASIG
  • OP_CHECKMULTISIG

The problem is: no one’s wrapped them into real-world financial flows.

Enter: CashFlow Contracts

That’s the name I gave this CHIP (Cash Improvement Proposal).
Because what we’re trying to unlock here isn’t DeFi or hype — it’s native automation of financial flows , in pure Bitcoin Cash.

Some of the contract patterns I’m proposing:

  • Time-locked payments → funds only redeemable after X blocks
  • Milestone-based disbursement → verified via OP_CHECKDATASIG oracle
  • Multi-party escrow → funds require 2-of-3 agreement to move

All of these are possible today — using CashScript , Bitauth IDE, or raw script.

I’ve already published:

This isn’t Ethereum-style smart contracts.

It’s smarter than that — because it’s simpler.
We’re not building a machine.
We’re writing intent.

Each contract is just a lock-and-key logic in script.
Nothing more — and that’s what makes it beautiful.

What I Need From the Community:

  • Review the proposal.
  • Try it on testnet.
  • Help it reach wallet devs (CashTab, Paytaca, Electron Cash).
  • If you think BCH should evolve into programmable money — support the Flipstarter when it launches.

I truly believe BCH is not just for instant payments — it can be the foundation for automated, trust-minimized cash systems .
Not later. Now.

Let’s make money work by itself.

— linuxwhr

3 Likes
#2

Nice initiative! Why do you need multisig? We have a few other nice opcodes (introspection opcodes) that can enforce payment flow more directly and with less bytes, and you can have a signature path just for recovery.

Also check out this suite of contracts which offers automated recurring payments: Unspent Phi

#3

It’s possible to use a CashToken NFT as an authentication mechanism for a contract that otherwise pays ‘automatically’. Automatically, meaning, anyone may claim a small executor fee for submitting an anyone can spend transaction to satisfy the subscription installment.

See the subscription contract here:

The contract allows regular payments of a token to proceed with relative timelocks, but allows the balance to be adjusted or withdrawn using an NFT.

Only the ‘owner’ of the subscription or vesting contract would be able to use call function:

  function withdraw() {

      // Transactions beginning with a minting auth baton are unrestricted
      // OP_0 OP_UTXOTOKENCATEGORY OP_SWAP OP_2 OP_CAT OP_EQUAL
      require(tx.inputs[0].tokenCategory == authCat + 0x02);

  }

There’s a bunch of contracts that use this authentication pattern in the third version of unspent/phi.

This is a BitAuth IDE template of the subscription contract with the step and administer scenarios.