# Problem & Solution ## The Problem Current crypto transactions on platforms like Telegram lack native tools, privacy, and accountability. Users rely on screenshots, manual messages, or off-platform wallets, all of which create risk, delays, and disputes. Privacy-focused users resort to expensive mixers, which are complicated and raise regulatory concerns. In parallel, users have no native tools to track spending, plan financial goals, or automate budgeting within their Telegram-based crypto activity. This leaves a major gap in self-custody finance. ## Our Solution EvoPay solves both problems. It offers Telegram-native, private, and fully verifiable crypto payments with no wallet connection, no KYC, and no custody. Payments are recorded both on-chain and in Telegram for full transparency. Alongside this, EvoPay introduces the **Accountant AI Agent**, a smart assistant that helps users: * Track their crypto income and expenses * Set budgeting goals * Receive real-time spending reports * Get AI-powered financial suggestions Together, EvoPay and the Accountant AI Agent create a complete ecosystem for secure, anonymous, and intelligent crypto financial management. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.evopay.me/problem-and-solution.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.