@Alther 14 July 2025 edited more from that month

CashFlow Contracts: Proposal for Native Automatic Payments in Bitcoin Cash When we talk about Bitcoin Cash, the narrative often revolves around efficiency, low costs, and transaction speed. But to be honest, I’ve long felt there’s one area that hasn’t been seriously addressed: the ability for programmed, automatic, native payments—without EVM, without layer 2, and without the hassle. Over the past few months, I’ve been re-examining the core potential of BCH, not from the perspective of “competing with Ethereum” or “becoming a DeFi chain,” but from the perspective of what BCH can do today, on-chain, with the tools already available. The result: a simple yet ambitious idea—I call it CashFlow Contracts.

**What are CashFlow Contracts?** Imagine you’re a freelancer. Your client wants to pay you weekly, but without the hassle of manual transfers. Or you have a subscription system, like a newsletter, and want payments to happen automatically. Even for DAOs, we sometimes need payroll or milestone disbursement contracts. All of this is technically possible—and surprisingly simple—to implement on BCH without needing a new platform. CashFlow Contracts are payment scripts that use native BCH instructions such as: `OP_CHECKLOCKTIMEVERIFY → to set the payout time` `OP_CHECKDATASIG → to verify external proof (milestones, oracles, etc.)` `OP_CHECKMULTISIG → for escrow systems or 2-of-3 arbitrators` **How does it work?** Sorry in advance, this isn’t just theory. I’ve prepared: A CashScript contract example for weekly payroll ASM locking-unlocking scripts for milestones An OP_RETURN template for non-consensus metadata (so it can be read by wallets/DAOs) **📁 All accessible in my GitHub repo:** 🔗 https://github.com/linuxwhr/chip-cashflow-contracts 📄 Page version (GitHub Pages): 🔗 https://linuxwhr.github.io/chip-cashflow-contracts/ **Purpose of This Proposal** I am not proposing a consensus change. I also do not want BCH to “*become* *~~Ethereum~~*.” I simply want BCH to be used more seriously in the real world — as a truly cash-based, yet programmable financial platform. **Main objectives:** Pave the way for adoption by payroll DAOs, child allowances, and microloans Build simple tools that can be used by wallets and merchants Encourage the adoption of “logic contracts” without requiring a new VM or chain **What's Next?** This is a draft CHIP, or Cash Improvement Proposal. I would like to invite feedback from BCH developers, script writers, wallet creators, and even casual users who want BCH to “do more.” **Some next steps:** Public discussion on bitcoincashresearch.org Live testing on the testnet (I'm preparing an interactive demo) Invite wallets like **CashTab**, **Paytaca**, and Electron Cash to adopt the script https://cashtab.com/ https://www.paytaca.com/ https://electroncash.org/ **As a final closing** BCH has the potential to be more than just moving coins from A to B. It can be the backbone of simple, affordable, and jargon-free open programmable money. This proposal is not the final answer, but hopefully the start of a new conversation—about how BCH can continue to thrive, not just because it’s cheap and fast, but because it can be used in real life, automatically, and remain trustless. *abstract :* *https://alyarariadi.medium.com/cashflow-contracts-proposal-for-native-automatic-payments-in-bitcoin-cash-63e428dad4fc*