diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/createWallet.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/createWallet.js
new file mode 100644
index 00000000..eeb050cb
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/createWallet.js
@@ -0,0 +1,24 @@
+const axios = require("axios");
+require('dotenv').config({ path: '../.env' });
+
+
+async function createWallet(user_id) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+
+    const url = `${CHIMONEY_BASE_URL}/multicurrency-wallets/create`;
+    const payload = { name: user_id };
+
+    const walResponse = await axios.post(url, payload, {
+        headers: {
+            "Accept": "application/json",
+            "Content-Type": "application/json",
+            "X-API-KEY": process.env.API_KEY
+        }
+    });
+
+    return walResponse.data;
+}
+
+module.exports = {
+    createWallet
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/depositFund.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/depositFund.js
new file mode 100644
index 00000000..658e8346
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/depositFund.js
@@ -0,0 +1,37 @@
+const axios = require("axios");
+const fs = require("fs").promises;
+require('dotenv').config({ path: '../.env' });
+
+
+async function depositFund(accChiUid, amount) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+
+    const url = `${CHIMONEY_BASE_URL}/multicurrency-wallets/transfer`;
+
+    const payload = {
+        amountToSend: amount,
+        originCurrency: "USD",
+        receiver: accChiUid,
+        destinationCurrency: "USD"
+    };
+    
+
+    try {
+        const walResponse = await axios.post(url, payload, {
+            headers: {
+                Accept: "application/json",
+                "Content-Type": "application/json",
+                "X-API-KEY": process.env.API_KEY,
+            },
+        });
+
+        return;
+    } catch (error) {
+        console.error("Error occurred:", error.response ? error.response.data : error.message);
+    throw error; 
+    }
+}
+
+module.exports = {
+    depositFund,
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/fundWallet.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/fundWallet.js
new file mode 100644
index 00000000..59413f3e
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/fundWallet.js
@@ -0,0 +1,66 @@
+const axios = require("axios");
+const { platform } = require("os");
+const fs = require("fs").promises;
+require('dotenv').config({ path: '../.env' });
+
+
+async function fundWallet(accChiUid, amount, firstName, userId, platform) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+    const CHIMONEY_REDIRECT_URL = process.env.CHIMONEY_REDIRECT_URL;
+    const CHIMONEY_PAYMENT_EMAIL = process.env.CHIMONEY_PAYMENT_EMAIL;
+
+    const url = `${CHIMONEY_BASE_URL}/payment/initiate`;
+
+    const payload = {
+        valueInUSD: amount,
+        payerEmail: CHIMONEY_PAYMENT_EMAIL,
+        redirect_url: CHIMONEY_REDIRECT_URL,
+        // walletID: accChiUid,
+        narration: `Deposit of ${amount} by ${firstName}`,
+        // subAccount: accChiUid,
+    };
+
+
+    try {
+        const walResponse = await axios.post(url, payload, {
+            headers: {
+                Accept: "application/json",
+                "Content-Type": "application/json",
+                "X-API-KEY": process.env.API_KEY,
+            },
+        });
+
+
+        const { id, valueInUSD, redeemData, issueID } = walResponse.data.data;
+
+        const transactionData = {
+            id,
+            amount: valueInUSD,
+            userId,
+            accChiId: accChiUid,
+            issueID,
+            platform: platform
+        };
+
+        let existingData = [];
+        try {
+            const data = await fs.readFile("transaction.json");
+            existingData = JSON.parse(data);
+        } catch (error) {
+            console.log("No existing transaction data found, starting fresh.");
+        }
+
+        existingData.push(transactionData);
+
+        await fs.writeFile("transaction.json", JSON.stringify(existingData, null, 2));
+
+        return walResponse.data;
+    } catch (error) {
+        console.error("Error occurred:", error.response ? error.response.data : error.message);
+        throw error;
+    }
+}
+
+module.exports = {
+    fundWallet,
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/realName.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/realName.js
new file mode 100644
index 00000000..80183fb7
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/realName.js
@@ -0,0 +1,30 @@
+const axios = require("axios");
+require('dotenv').config({ path: '../.env' });
+
+
+async function realName(accChiId, firstName, lastName) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+
+    const url = `${CHIMONEY_BASE_URL}/multicurrency-wallets/update`;
+    const payload = {
+        "meta": { "newKey": "New Value" },  //I don't know what this is, but it's required
+        "id": accChiId,
+        "firstName": firstName,
+        "lastName": lastName
+    }
+    console.log(payload)
+
+    const walResponse = await axios.post(url, payload, {
+        headers: {
+            "Accept": "application/json",
+            "Content-Type": "application/json",
+            "X-API-KEY": process.env.API_KEY
+        }
+    });
+    console.log(walResponse.data);
+    return walResponse.data;
+}
+
+module.exports = {
+    realName
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/sendFund.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/sendFund.js
new file mode 100644
index 00000000..504ba21f
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/sendFund.js
@@ -0,0 +1,65 @@
+const axios = require("axios");
+const fs = require("fs").promises;
+require('dotenv').config({ path: '../.env' });
+
+
+async function sendFund(accChiUid, amount, receiverChiUid, platform, recId) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+
+    const url = `${CHIMONEY_BASE_URL}/multicurrency-wallets/transfer`;
+
+
+    const payload = {
+        "sender": accChiUid,
+        "amountToSend": amount,
+        "originCurrency": "USD",
+        "destinationCurrency": "USD",
+        "receiver": receiverChiUid
+    }
+    
+
+    try {
+        const walResponse = await axios.post(url, payload, {
+            headers: {
+                Accept: "application/json",
+                "Content-Type": "application/json",
+                "X-API-KEY": process.env.API_KEY,
+            },
+        });
+
+
+
+
+        const { id, valueInUSD, redeemData, issueID } = walResponse.data.data;
+
+        const transactionData = {
+            id,
+            amount: amount,
+            userId: recId,
+            accChiId: "",
+            issueID,
+            platform: platform
+        };
+
+        let existingData = [];
+        try {
+            const data = await fs.readFile("transaction.json");
+            existingData = JSON.parse(data);
+        } catch (error) {
+            console.log("No existing transaction data found, starting fresh.");
+        }
+
+        existingData.push(transactionData);
+
+        await fs.writeFile("transaction.json", JSON.stringify(existingData, null, 2));
+
+        return;
+    } catch (error) {
+        console.error("Error occurred:", error.response ? error.response.data : error.message);
+    throw error; 
+    }
+}
+
+module.exports = {
+    sendFund,
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/chimoney/updateBalance.js b/submissions/Cross-Platform-Wallet-Bot/chimoney/updateBalance.js
new file mode 100644
index 00000000..632df637
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/chimoney/updateBalance.js
@@ -0,0 +1,34 @@
+const axios = require("axios");
+const fs = require("fs").promises;
+require('dotenv').config({ path: '../.env' });
+
+async function updateBalance(accChiUid) {
+    const CHIMONEY_BASE_URL = process.env.CHIMONEY_BASE_URL;
+
+    const url = `${CHIMONEY_BASE_URL}/multicurrency-wallets/get?id=${accChiUid}`;
+
+    try {
+        const walResponse = await axios.get(url, {
+            headers: {
+                Accept: "application/json",
+                "Content-Type": "application/json",
+                "X-API-KEY": process.env.API_KEY,
+            },
+        });
+
+        const jsonData = walResponse.data;
+
+        const chiWallet = jsonData.data.wallets.find(wallet => wallet.type === 'chi');
+        const chiBalance = chiWallet.balance;
+
+
+        return chiBalance;
+    } catch (error) {
+        console.error("Error occurred:", error.response ? error.response.data : error.message);
+        throw error;
+    }
+}
+
+module.exports = {
+    updateBalance,
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/discord.js b/submissions/Cross-Platform-Wallet-Bot/discord.js
new file mode 100644
index 00000000..ed3290ac
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/discord.js
@@ -0,0 +1,162 @@
+require('dotenv').config();
+const { Client, GatewayIntentBits, Partials, ActionRowBuilder, ButtonBuilder, ButtonStyle } = require('discord.js');
+const fs = require('fs');
+const { setUserPendingAction } = require('./saver');
+const { newMessage, getUserData } = require('./main');
+const { chiPayment } = require('./webhook/chiPayment');
+
+const client = new Client({
+    intents: [
+        GatewayIntentBits.Guilds,
+        GatewayIntentBits.GuildMessages,
+        GatewayIntentBits.MessageContent,
+        GatewayIntentBits.DirectMessages
+    ],
+    partials: [
+        Partials.Channel,
+        Partials.Message
+    ]
+});
+
+client.once('ready', () => {
+    console.log(`Logged in as ${client.user.tag}!`);
+});
+
+client.on('messageCreate', async (message) => {
+    if (message.author.bot) return;
+
+    const user = getUserData(message.author.id);
+    const msgData = {
+        chat_id: message.author.id,
+        msgId: message.id,
+        msgFromId: message.author.id,
+        msgFromFirstName: message.author.username || '',
+        msgType: message.channel.type,
+        canSendImage: "true",
+        canSendText: "true",
+        canSendButton: "true",
+        platformType: "Discord",
+    };
+
+    if (user && user.pendingAction) {
+
+        const data = fs.readFileSync('pendingAction.json', 'utf8');
+        const actionList = JSON.parse(data);
+        const userNameAction = actionList.find(item => item.name === user.pendingAction);
+
+        if (userNameAction) {
+            const new_type = userNameAction.action;
+
+            const response = await newMessage({
+                type: new_type,
+                ...msgData,
+                msgText: message.content,
+                datetime: new Date(),
+            });
+
+            if (response && response.message) {
+                if (response.sendButton) {
+                    sendMsgButton(message.channel, response);
+                } else {
+                    message.channel.send(response.message);
+                }
+            }
+        } else {
+            console.log('Action not found.');
+            message.channel.send("An error occurred, please try again later.");
+        }
+    } else {
+
+        const response = await newMessage({
+            type: 'message',
+            ...msgData,
+            msgText: message.content,
+            datetime: new Date(),
+        });
+        
+        if (response.sendButton) {
+            sendMsgButton(message.channel, response);
+        } else if (response.message) {
+            message.channel.send(response.message);
+        }
+    }
+});
+
+client.on('interactionCreate', async (interaction) => {
+    if (!interaction.isButton()) return;
+
+    const action = interaction.customId;
+    const msgData = {
+        chat_id: interaction.user.id,
+        msgFromId: interaction.user.id,
+        msgFromFirstName: interaction.user.username || '',
+        msgType: interaction.channel.type,
+        canSendImage: "true",
+        canSendText: "true",
+        canSendButton: "true",
+        platformType: "Discord",
+    };
+
+    if (action === 'accept_tos') {
+        const response = await newMessage({ type: 'accept_toc', ...msgData, datetime: new Date() });
+        if (response.message) {
+            if (response.sendButton) {
+                sendMsgButton(interaction.channel, response);
+            } else {
+                interaction.reply(response.message);
+            }
+        }
+    } else if (action === 'fund_wallet') {
+        const response = await newMessage({ type: 'fund_wallet', ...msgData, datetime: new Date() });
+        if (response.message) {
+            if (response.sendButton) {
+                sendMsgButton(interaction.channel, response);
+            } else {
+                interaction.reply(response.message);
+            }
+        }
+    } else if (action === 'send_fund') {
+        const response = await newMessage({ type: 'send_fund', ...msgData, datetime: new Date() });
+        if (response.message) {
+            if (response.sendButton) {
+                sendMsgButton(interaction.channel, response);
+            } else {
+                interaction.reply(response.message);
+            }
+        }
+    }
+});
+
+function sendMsgButton(channel, response) {
+    const buttons = response.buttons.map((btn) => {
+        if (btn.type === 'url') {
+            return new ButtonBuilder()
+                .setLabel(btn.caption)
+                .setURL(btn.body)
+                .setStyle(ButtonStyle.Link);
+        } else if (btn.type === 'callback') {
+            return new ButtonBuilder()
+                .setLabel(btn.caption)
+                .setCustomId(btn.action_name)
+                .setStyle(ButtonStyle.Primary);
+        }
+        return null;
+    }).filter(Boolean);
+
+    const row = new ActionRowBuilder().addComponents(buttons);
+
+    channel.send({
+        content: response.title,
+        components: [row]
+    });
+}
+
+async function processWebhook() {
+    const sendClient = client;
+    const [userId, msg, platform] = await chiPayment(sendClient);
+    if (platform === "Discord") {
+        await sendClient.users.fetch(userId).then(user => user.send(msg));
+    }
+}
+processWebhook();
+client.login(process.env.DISCORD_BOT_TOKEN);
diff --git a/submissions/Cross-Platform-Wallet-Bot/main.js b/submissions/Cross-Platform-Wallet-Bot/main.js
new file mode 100644
index 00000000..103de320
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/main.js
@@ -0,0 +1,247 @@
+const { isUserNew, saveNewUser, updateUserAcceptance, getUserInfo, deletePendingRecipient, setUserPendingAction, updateUserBalance, getPendingRecipient, getUserDataByAccountId, savePendingRecipient, checkUserAcceptance, updateUserName } = require('./saver');
+require('dotenv').config();
+const { createWallet } = require('./chimoney/createWallet');
+const fs = require("fs");
+const { fundWallet } = require('./chimoney/fundWallet');
+const { updateBalance } = require('./chimoney/updateBalance');
+const { sendFund } = require('./chimoney/sendFund');
+
+
+const TOC_URL = process.env.TOC_URL;
+
+const newMessage = async (messageData) => {
+  const chatId = messageData.chat_id;
+
+  if (messageData.type === 'fund_wallet') {
+    setUserPendingAction(chatId, 'fund_wallet');
+    return {
+      message: 'Please enter the amount you want to add to your wallet:',
+    };
+  }
+
+
+
+  if (messageData.type === 'send_fund') {
+    const user = await getUserData(chatId);
+
+    if (user.balance <= 0) {
+      return { message: "You don't have sufficient funds in your wallet to send." };
+    }
+
+    await setUserPendingAction(chatId, 'send_fund_account');
+
+    return {
+      message: "Please enter the recipient's account number to send funds to:",
+    };
+  }
+
+
+
+
+
+  if (messageData.type === 'send_fund_account_input') {
+    const recipientAccountId = messageData.msgText;
+
+    if (!isValidAccountNumber(recipientAccountId)) {
+      return { message: "Invalid account number. Please enter a 10-digit number." };
+    }
+
+    const recipient = await getUserDataByAccountId(recipientAccountId);
+
+    if (!recipient) {
+      return { message: "No user found with that account ID. Please try again." };
+    }
+
+    await savePendingRecipient(chatId, recipient);
+
+    await setUserPendingAction(chatId, 'send_fund_amount');
+    return {
+      message: `Recipient found: ${recipient.first_name} ${recipient.last_name}.\nPlease enter the amount to send:`,
+    };
+  }
+
+
+  if (messageData.type === 'send_fund_amount_input') {
+    const amount = parseFloat(messageData.msgText);
+    const platform = messageData.platformType;
+
+
+    if (isNaN(amount) || amount <= 0) {
+      return { message: "Please enter a valid amount to send." };
+    }
+
+    const user = await getUserData(chatId);
+    var recipient = await getPendingRecipient(chatId);
+    var recipient = recipient.recipient;
+
+    if (amount > user.balance) {
+      return { message: "You don't have enough balance to send this amount." };
+    }
+
+    var recaccChiUid = recipient.accChiUid;
+    await sendFund(accChiUid, amount, recaccChiUid, platform, recipient.chatId);
+    await updateBalance(chatId);
+
+    await setUserPendingAction(chatId, null);
+    await deletePendingRecipient(recipient.chat_id);
+
+    return {
+      message: `Successfully sent $${amount} to ${recipient.first_name} ${recipient.last_name}.`,
+    };
+  }
+
+
+
+  if (messageData.type === 'fund_wallet_amount') {
+    const amount = parseFloat(messageData.msgText);
+    const platform = messageData.platformType;
+
+    if (!/^\d+$/.test(amount) || amount <= 1) {
+      return { message: 'Please enter a valid amount to fund your wallet.' };
+    }
+
+
+    var fundingInfo = await getUserInfo(chatId);
+
+
+    var accChiId = fundingInfo.accChiId;
+    var firstName = fundingInfo.first_name;
+
+    setUserPendingAction(chatId, null);
+    var payInfo = await fundWallet(accChiId, amount, firstName, chatId, platform);
+
+    return {
+      message: `Click the link below to fund your wallet with $${amount}:\n${payInfo.data.paymentLink}`,
+    };
+  }
+
+  if (messageData.type === 'user_name_input') {
+    const uName = messageData.msgText;
+
+
+    if (!isValidName(uName)) {
+      setUserPendingAction(chatId, 'user_name');
+      return {
+        message: 'Please enter a valid name:',
+      };
+    }
+
+
+    await updateUserName(chatId, uName);
+    await setUserPendingAction(chatId, null);
+    const user = getUserData(chatId);
+
+
+    return {
+      sendButton: true,
+      message: `Welcome ${uName}:`,
+      title: `${user.first_name} ${user.last_name}\nAccount Number: ${user.accNo}\nCurrent Balance: $${user.balance}`,
+      buttons: [
+        { type: 'callback', body: 'Fund Wallet', caption: "Fund Wallet", action_name: "fund_wallet" },
+        { type: 'callback', body: 'Send Funds', caption: "Send Funds", action_name: "send_fund" }
+      ]
+    };
+  }
+
+
+  if (messageData.type === 'accept_toc') {
+    const userAccepted = checkUserAcceptance(chatId);
+    if (!userAccepted) {
+      updateUserAcceptance(chatId, true);
+      const user = getUserData(chatId);
+      await setUserPendingAction(chatId, 'user_name');
+      return {
+        message: `Thank you for accepting the Terms of Service.\n\n Enter your real name:`
+      };
+    } else {
+      const user = getUserData(chatId);
+      return {
+        sendButton: true,
+        message: `You have already accepted the Terms of Service.\n\nYour balance: $${user.balance}\nName: ${user.first_name} ${user.last_name}`,
+        buttons: [
+          { type: 'callback', caption: "Send Money", action_name: "fund_wallet" },
+          { type: 'callback', caption: "Send Funds", action_name: "send_fund" }
+        ]
+      };
+    }
+  }
+
+  if (isUserNew(chatId)) {
+
+    var accChiId = `user_${chatId}`;
+
+    var userWallet = await createWallet(accChiId);
+
+    var accChiUid = userWallet.data.uid;
+    var bal = await updateBalance(accChiUid);
+    var accNo = generateRandom10DigitNumber();
+
+    saveNewUser({
+      chat_id: chatId,
+      accChiId: accChiId,
+      accChiUid: accChiUid,
+      first_name: messageData.msgFromFirstName || '',
+      last_name: messageData.msgFromLastName || '',
+      username: messageData.msgFromUsername || '',
+      platform: messageData.platformType,
+      created_at: new Date(),
+      accepted_toc: false,
+      balance: bal,
+      chiId: "",
+      accNo: accNo
+    });
+
+    if (messageData.canSendButton) {
+
+      const userAccepted = checkUserAcceptance(chatId);
+      if (!userAccepted) {
+        return {
+          sendButton: true,
+          title: "Terms of Service",
+          buttons: [
+            { type: 'url', body: TOC_URL, caption: "View Terms of Service", action_name: "view_toc" },
+            { type: 'callback', body: 'Accept ToC', caption: "Accept", action_name: "accept_tos" }
+          ]
+        };
+      }
+    }
+  }
+
+
+
+  const user = getUserData(chatId);
+
+
+  return {
+    sendButton: true,
+    title: `Account Summary\n\n${user.first_name} ${user.last_name}\nAccount Number: ${user.accNo}\nCurrent Balance: $${user.balance}`,
+    buttons: [
+      { type: 'callback', caption: "Fund Wallet", action_name: "fund_wallet" },
+      { type: 'callback', caption: "Send Funds", action_name: "send_fund" }
+    ]
+  };
+};
+
+const getUserData = (chatId) => {
+  const users = JSON.parse(fs.readFileSync('users.json', 'utf8'));
+  return users[chatId] || {};
+};
+
+function isValidName(uName) {
+  const namePattern = /^[A-Za-z]+(?:\s+[A-Za-z]+)+$/;
+  return namePattern.test(uName);
+}
+
+function generateRandom10DigitNumber() {
+  return Math.floor(1000000000 + Math.random() * 9000000000).toString();
+}
+
+function isValidAccountNumber(accountNumber) {
+  return /^\d{10}$/.test(accountNumber);
+}
+
+
+module.exports = {
+  newMessage,
+  getUserData
+};
diff --git a/submissions/Cross-Platform-Wallet-Bot/package.json b/submissions/Cross-Platform-Wallet-Bot/package.json
new file mode 100644
index 00000000..70e4af83
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/package.json
@@ -0,0 +1,11 @@
+{
+  "dependencies": {
+    "chimoneyjs": "^1.2.0",
+    "discord.js": "^14.16.3",
+    "dotenv": "^16.4.5",
+    "express": "^4.21.1",
+    "qrcode-terminal": "^0.12.0",
+    "telegraf": "^4.16.3",
+    "whatsapp-web.js": "^1.26.0"
+  }
+}
diff --git a/submissions/Cross-Platform-Wallet-Bot/pendingAction.json b/submissions/Cross-Platform-Wallet-Bot/pendingAction.json
new file mode 100644
index 00000000..0637a088
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/pendingAction.json
@@ -0,0 +1 @@
+[]
\ No newline at end of file
diff --git a/submissions/Cross-Platform-Wallet-Bot/pendingRecipient.json b/submissions/Cross-Platform-Wallet-Bot/pendingRecipient.json
new file mode 100644
index 00000000..0637a088
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/pendingRecipient.json
@@ -0,0 +1 @@
+[]
\ No newline at end of file
diff --git a/submissions/Cross-Platform-Wallet-Bot/saver.js b/submissions/Cross-Platform-Wallet-Bot/saver.js
new file mode 100644
index 00000000..9c206476
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/saver.js
@@ -0,0 +1,148 @@
+const fs = require('fs');
+const filePath = './users.json';
+const { realName } = require("./chimoney/realName")
+const ensureFileExists = () => {
+  if (!fs.existsSync(filePath)) {
+    fs.writeFileSync(filePath, JSON.stringify({}, null, 2));
+  }
+};
+
+const isUserNew = (chatId) => {
+  ensureFileExists();
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  return !users[chatId];
+};
+
+const getUserInfo = (chatId) => {
+  try {
+    ensureFileExists();
+    const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+    if (users[chatId]) {
+      const { accChiUid: accChiId, first_name } = users[chatId];
+      return { accChiId, first_name };
+    }
+    return {};
+  } catch (error) {
+    console.error('Error accessing user info:', error);
+    return {};
+  }
+};
+
+
+const saveNewUser = (user) => {
+  ensureFileExists();
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  users[user.chat_id] = user;
+  var gg = fs.writeFileSync(filePath, JSON.stringify(users, null, 2));
+
+};
+
+const checkUserAcceptance = (chatId) => {
+  ensureFileExists();
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  return users[chatId] && users[chatId].accepted_toc;
+};
+
+
+const updateUserAcceptance = (chatId, accepted) => {
+  ensureFileExists();
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  if (users[chatId]) {
+    users[chatId].accepted_toc = accepted;
+    fs.writeFileSync(filePath, JSON.stringify(users, null, 2));
+  }
+};
+
+
+const updateUserBalance = (chatId, amount) => {
+  ensureFileExists();
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  if (users[chatId]) {
+    users[chatId].balance = amount;
+    fs.writeFileSync(filePath, JSON.stringify(users, null, 2));
+  }
+};
+
+
+const updateUserName = async (chatId, uName) => {
+  var [firstName, lastName] = splitName(uName);
+
+
+  ensureFileExists();
+  var users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  if (users[chatId]) {
+
+    var accChiUid = users[chatId].accChiUid;
+    await realName(accChiUid, firstName, lastName);
+
+    users[chatId].first_name = firstName;
+    users[chatId].last_name = lastName;
+    fs.writeFileSync(filePath, JSON.stringify(users, null, 2));
+  }
+};
+
+const setUserPendingAction = (chatId, action) => {
+  const users = JSON.parse(fs.readFileSync(filePath, 'utf8'));
+  if (users[chatId]) {
+    users[chatId].pendingAction = action;
+    fs.writeFileSync(filePath, JSON.stringify(users, null, 2));
+  }
+};
+
+
+function capitalize(word) {
+  return word.charAt(0).toUpperCase() + word.slice(1).toLowerCase();
+}
+
+function splitName(uName) {
+  const nameParts = uName.trim().split(/\s+/);
+  if (nameParts.length < 2) {
+    return null;
+  }
+  const firstName = capitalize(nameParts[0]);
+  const lastName = nameParts.slice(1).map(capitalize).join(" ");
+  return [firstName, lastName];
+}
+
+const getUserDataByAccountId = (accountId) => {
+  const users = JSON.parse(fs.readFileSync('users.json', 'utf8'));
+  return Object.values(users).find(user => user.accNo === accountId);
+};
+
+const savePendingRecipient = (chatId, recipient) => {
+  let data = fs.readFileSync('pendingRecipient.json', 'utf8');
+  let pendingRecipients = JSON.parse(data);
+  pendingRecipients = pendingRecipients.filter(item => item.chatId !== chatId);
+
+  pendingRecipients.push({
+    chatId: chatId,
+    recipient: recipient
+  });
+
+  fs.writeFileSync('pendingRecipient.json', JSON.stringify(pendingRecipients, null, 2));
+};
+
+
+const getPendingRecipient = (chatId) => {
+  const data = fs.readFileSync('pendingRecipient.json', 'utf8');
+  const pendingRecipients = JSON.parse(data);
+
+  const recipient = pendingRecipients.find(item => item.chatId === chatId);
+
+  return recipient || null;
+};
+
+
+const deletePendingRecipient = async (chatId) => {
+  let data = fs.readFileSync('pendingRecipient.json', 'utf8');
+  let pendingRecipients = JSON.parse(data);
+
+  pendingRecipients = pendingRecipients.filter(item => item.chatId !== chatId);
+
+  fs.writeFileSync('pendingRecipient.json', JSON.stringify(pendingRecipients, null, 2));
+};
+
+
+
+
+module.exports = { getPendingRecipient, getUserDataByAccountId, isUserNew, savePendingRecipient, deletePendingRecipient, saveNewUser, setUserPendingAction, checkUserAcceptance, updateUserBalance, getUserInfo, updateUserAcceptance, updateUserName };
\ No newline at end of file
diff --git a/submissions/Cross-Platform-Wallet-Bot/telegram.js b/submissions/Cross-Platform-Wallet-Bot/telegram.js
new file mode 100644
index 00000000..7512bbae
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/telegram.js
@@ -0,0 +1,223 @@
+require('dotenv').config();
+const { Telegraf, Markup } = require('telegraf');
+const { setUserPendingAction } = require('./saver');
+const { newMessage, getUserData } = require('./main');
+const { message } = require('telegraf/filters');
+const fs = require('fs');
+const { chiPayment } = require('./webhook/chiPayment');
+
+const bot = new Telegraf(process.env.BOT_TOKEN);
+console.log("Logged in to telegram bot!")
+bot.start((ctx) => ctx.reply('Welcome'));
+
+bot.on(message('text'), async (ctx) => {
+  const msg = ctx.message;
+  const chatId = msg.chat.id;
+  const user = getUserData(chatId);
+
+
+  if (user && user.pendingAction) {
+
+    const data = fs.readFileSync('pendingAction.json', 'utf8');
+
+    const actionList = JSON.parse(data);
+
+    const userNameAction = actionList.find(item => item.name === user.pendingAction);
+
+    if (userNameAction) {
+      var new_type = userNameAction.action;
+
+
+      const response = await newMessage({
+        type: new_type,
+        chat_id: chatId,
+        msgText: msg.text,
+        datetime: new Date(),
+        msgId: msg.message_id,
+        msgFromId: msg.from.id,
+        msgFromFirstName: msg.from.first_name || '',
+        msgFromLastName: msg.from.last_name || '',
+        msgFromUsername: msg.from.username || '',
+        msgType: msg.chat.type,
+        canSendImage: "true",
+        canSendText: "true",
+        canSendButton: "true",
+        platformType: "Telegram",
+      });
+
+      if (response && response.message) {
+        if (response && response.sendButton) {
+          sendMsgButton(ctx, response);
+        }
+
+        else if (response && response.message) {
+          ctx.reply(response.message);
+        }
+      }
+
+    } else {
+      console.log('Action not found.');
+      ctx.reply("An error occured pls try again later");
+
+    }
+
+  }
+  else {
+
+    const messageData = {
+      body: msg.text,
+      type: 'message',
+      datetime: new Date(),
+      chat_id: msg.chat.id,
+      msgId: msg.message_id,
+      msgFromId: msg.from.id,
+      msgFromFirstName: msg.from.first_name || '',
+      msgFromLastName: msg.from.last_name || '',
+      msgFromUsername: msg.from.username || '',
+      msgType: msg.chat.type,
+      msgText: msg.text,
+      canSendImage: "true",
+      canSendText: "true",
+      canSendButton: "true",
+      platformType: "Telegram",
+    };
+
+
+    const response = await newMessage(messageData);
+
+    if (response && response.sendButton) {
+      sendMsgButton(ctx, response);
+    }
+
+    else if (response && response.message) {
+      ctx.reply(response.message);
+    }
+
+  }
+});
+
+
+
+
+
+
+
+bot.action('accept_tos', async (ctx) => {
+
+  const messageData = {
+    type: 'accept_toc',
+    chat_id: ctx.chat.id,
+    datetime: new Date(),
+    msgId: msg.message_id,
+    msgFromId: msg.from.id,
+    msgFromFirstName: msg.from.first_name || '',
+    msgFromLastName: msg.from.last_name || '',
+    msgFromUsername: msg.from.username || '',
+    msgType: msg.chat.type,
+    canSendImage: "true",
+    canSendText: "true",
+    canSendButton: "true",
+    platformType: "Telegram",
+  };
+
+  const response = await newMessage(messageData);
+
+  if (response && response.message) {
+    if (response && response.sendButton) {
+      sendMsgButton(ctx, response);
+    }
+
+    else if (response && response.message) {
+      ctx.reply(response.message);
+    }
+  }
+
+});
+
+bot.action('fund_wallet', async (ctx) => {
+  const messageData = {
+    type: 'fund_wallet',
+    chat_id: ctx.chat.id,
+    datetime: new Date(),
+    msgId: msg.message_id,
+    msgFromId: msg.from.id,
+    msgFromFirstName: msg.from.first_name || '',
+    msgFromLastName: msg.from.last_name || '',
+    msgFromUsername: msg.from.username || '',
+    msgType: msg.chat.type,
+    canSendImage: "true",
+    canSendText: "true",
+    canSendButton: "true",
+    platformType: "Telegram",
+  };
+
+  const response = await newMessage(messageData);
+  if (response && response.message) {
+    if (response && response.sendButton) {
+      sendMsgButton(ctx, response);
+    }
+
+    else if (response && response.message) {
+      ctx.reply(response.message);
+    }
+  }
+});
+
+
+bot.action('send_fund', async (ctx) => {
+  const messageData = {
+    type: 'send_fund',
+    chat_id: ctx.chat.id,
+    datetime: new Date(),
+    msgId: msg.message_id,
+    msgFromId: msg.from.id,
+    msgFromFirstName: msg.from.first_name || '',
+    msgFromLastName: msg.from.last_name || '',
+    msgFromUsername: msg.from.username || '',
+    msgType: msg.chat.type,
+    canSendImage: "true",
+    canSendText: "true",
+    canSendButton: "true",
+    platformType: "Telegram",
+  };
+
+  const response = await newMessage(messageData);
+  if (response && response.message) {
+    if (response && response.sendButton) {
+      sendMsgButton(ctx, response);
+    }
+
+    else if (response && response.message) {
+      ctx.reply(response.message);
+    }
+  }
+});
+
+
+function sendMsgButton(ctx, response) {
+  const buttons = response.buttons.map((btn) => {
+    if (btn.type === 'url') {
+      return Markup.button.url(btn.caption, btn.body);
+    } else if (btn.type === 'callback') {
+      return Markup.button.callback(btn.caption, btn.action_name);
+    }
+    return [];
+  });
+
+  ctx.reply(
+    response.title,
+    Markup.inlineKeyboard(buttons)
+  );
+}
+
+
+async function processWebhook() {
+  var sendClient = bot.telegram;
+  const [userId, msg, platform] = await chiPayment(sendClient);
+  if (platform === "Telegram") {
+    await sendClient.sendMessage(userId, msg);
+  }
+}
+
+processWebhook()
+bot.launch();
diff --git a/submissions/Cross-Platform-Wallet-Bot/transaction.json b/submissions/Cross-Platform-Wallet-Bot/transaction.json
new file mode 100644
index 00000000..0637a088
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/transaction.json
@@ -0,0 +1 @@
+[]
\ No newline at end of file
diff --git a/submissions/Cross-Platform-Wallet-Bot/users.json b/submissions/Cross-Platform-Wallet-Bot/users.json
new file mode 100644
index 00000000..9e26dfee
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/users.json
@@ -0,0 +1 @@
+{}
\ No newline at end of file
diff --git a/submissions/Cross-Platform-Wallet-Bot/webhook/chiPayment.js b/submissions/Cross-Platform-Wallet-Bot/webhook/chiPayment.js
new file mode 100644
index 00000000..4a272fa6
--- /dev/null
+++ b/submissions/Cross-Platform-Wallet-Bot/webhook/chiPayment.js
@@ -0,0 +1,81 @@
+const express = require('express');
+const fs = require("fs");
+const { depositFund } = require('../chimoney/depositFund');
+const { updateUserBalance } = require('../saver');
+const { updateBalance } = require('../chimoney/updateBalance');
+const app = express();
+const PORT = 3000;
+
+app.use(express.json());
+
+async function chiPayment() {
+
+  app.post('/paymentCompleted', async (req, res) => {
+    console.log('Received webhook:', req.body);
+    res.status(200).send('Webhook received');
+
+    var hookRes = req.body;
+
+    if (hookRes.eventType === "chimoney.payment.completed" || hookRes.eventType === "charge.card.completed") {
+      var issueID = hookRes.issueID;
+      const data = fs.readFileSync('transaction.json', 'utf8');
+      const transactions = JSON.parse(data);
+
+      const transaction = transactions.find(tx => tx.issueID === issueID);
+
+      if (transaction) {
+        var amount = transaction.amount;
+        var accChiUid = transaction.accChiId;
+        var userId = transaction.userId;
+        var platform = transaction.platform;
+
+        await depositFund(accChiUid, amount);
+
+
+        var msg = `$${amount} have been deposited to your account`;
+        var bal = await updateBalance(accChiUid);
+        return [userId, msg, platform];
+
+      } else {
+        console.log("No transaction found with this issueID");
+      }
+    }
+    else if (hookRes.eventType === "payout.wallet.completed") {
+      var issueID = hookRes.issueID;
+      const data = fs.readFileSync('transaction.json', 'utf8');
+      const transactions = JSON.parse(data);
+
+      const transaction = transactions.find(tx => tx.issueID === issueID);
+
+      if (transaction) {
+        var amount = transaction.amount;
+        var accChiUid = transaction.accChiId;
+        var userId = transaction.userId;
+        var platform = transaction.platform;
+
+        await depositFund(accChiUid, amount);
+
+
+        var msg = `$${amount} have been credit to your account`;
+        var bal = await updateBalance(accChiUid);
+        
+        return [userId, msg, platform];
+
+      } else {
+        console.log("No transaction found with this issueID");
+      }
+    }
+    
+
+  });
+
+  app.listen(PORT, () => {
+    console.log(`Webhook server running on http://localhost:${PORT}`);
+  });
+
+}
+
+
+module.exports = {
+  chiPayment,
+};