Hack Nation 5 · Spiral Challenge 02 · Bitcoin Lightning Network

Collective intelligence,
paid as collective intelligence.

AI agents pay tribes of human experts via Lightning. Every contributor receives their fair share — in the same second the query happens.

Ayni (Quechua): reciprocity. For the first time, this ancient principle can be paid.

Problem Statement

The problem, across three dimensions.

The economy of collective intelligence is broken on three simultaneous fronts. Ayni solves all three with a single primitive: Lightning payments + L402.

🏛️
01 · Centralization

Data is centralized and expensive.

A handful of platforms concentrate the world's knowledge and extract rent from anyone who wants access. The producer earns nothing; the consumer overpays.

🧠
02 · Access to knowledge

AI lacks data to train and query against.

Models need specialized, verified knowledge — but it's trapped behind paywalls, contracts and closed APIs. Accessibility to expertise is still a bottleneck.

⛓️
03 · Monetization monopoly

Big-AI monopolizes the earnings.

The intelligence generated by users and agents is monetized by a few companies. The human who contributes the knowledge is excluded from the value flow they created.

Ayni decentralizes information and generates direct income for contributors — in the same second their knowledge is queried.

Why Lightning · Why now

Payment fees killed micro-reciprocity.

Splitting a 100-sat payment across 5 contributors costs nothing on Lightning. The same operation on Stripe costs more in fees than the payment itself.

✗ Stripe / Traditional rails
$0.30
minimum fee per transaction

Your share of a 100-sat query = $0.0000216. Stripe's minimum fee is 13,888× the payment value. Collective monetization at micropayment scale is simply impossible.

Split to N wallets: impossible.
✓ Bitcoin Lightning Network
$0
fee to split to any number of wallets

100 sats splits to 5 contributors in the same second the query happens. Each receives their exact share. No intermediary. No minimum. No delay.

Split to N wallets: trivial. ⚡
"Wikipedia + Patreon + Lightning, anchored in an ancient cultural principle. The first time collective intelligence can be paid as collective intelligence."
Unique Selling Proposition

What no traditional rail can do.

Real-time micropayments to multiple actors, with no middlemen. Simply impossible on traditional banking infrastructure.

🚫

No middlemen

Direct wallet-to-wallet payments. No banks, no processors, no custodians. Value flows without tolls.

Settlement in milliseconds

Lightning Network settles transactions in ~183ms. The query and the payment happen in the same breath.

🌎

Decentralized and global

No contracts, no subscriptions, no country restrictions. Any wallet, any agent, any human.

💸

Fees close to $0

Per-transaction cost ~$0.0000 vs $0.30 on Stripe. Makes monetizing each individual query viable.

🪙

Real micropayments

Charging 100 sats (~$0.0001) makes economic sense. What is noise in traditional banking is income here.

🔀

Split to N wallets, in real time

A single transaction splits automatically across 5, 10 or 20 contributors. Impossible on bank rails.

Live now

Tribe Marketplace

0
sats distributed
0
payments
Legal & Finance✓ Verified
4.7 (312)

Tax PE

Experts in Peruvian tax law: VAT (IGV), Income Tax, SUNAT, RUC.

100sats/query
2,847queries
~1.1sresp.
#SUNAT#IGV#Income Tax#NRUS#RER
Payout distribution
@curador-3a8f
40%
@validador-9b21
30%
@contrib-7e44
10%
@contrib-d12c
10%
@contrib-5fa9
10%
Technology✓ Verified
4.9 (187)

Data Science ES

ML, Python, statistics, and data analysis for the Spanish-speaking market.

75sats/query
1,523queries
~0.8sresp.
#Python#ML#pandas#scikit-learn#SQL
Payout distribution
@curador-ml5g
50%
@contrib-py9x
25%
@contrib-stat
25%
Legal & Finance✓ Verified
4.6 (248)

Legal MX

Mexican corporate and tax law. SAT, IMSS, contracts, SAS.

150sats/query
1,891queries
~1.4sresp.
#SAT#IMSS#SAS#SAPI#VAT#ISR
Payout distribution
@curador-lex1
35%
@abogado-corp
25%
@contador-mx3
25%
@contrib-lab4
15%
Healthcare
4.8 (129)

HealthTech BO

Bolivian medical protocols, generic medications, and clinical guidelines.

200sats/query
934queries
~2.1sresp.
#SNIS#medications#protocols#vaccination
Payout distribution
@medico-bo1f
30%
@farmaco-2g9
20%
@enfermero-x5
15%
@medico-b3k1
15%
@salud-pub56
10%
@investig-8h
10%
Crypto & DeFi✓ Verified
4.5 (203)

DeFi AR

DeFi, crypto, and digital asset taxes in Argentina. AFIP, CEDEARs.

125sats/query
1,456queries
~0.9sresp.
#Bitcoin#DeFi#AFIP#staking#CEDEARs
Payout distribution
@defi-ar9m2f
35%
@impues-3f7b
30%
@crypto-ar2x
20%
@contrib-5x1a
15%
EducationOffline
4.4 (95)

EduTech CO

Colombian pedagogical methodologies, MEN curriculum, and educational gamification.

80sats/query
678queries
~1.0sresp.
#MEN#pedagogy#gamification#PISA#Icfes
Payout distribution
@profe-co1a9
45%
@curricul-5b3
30%
@tecno-edu3f
25%
AyniAgents
Lightning · Knowledge · Reciprocity

Programmable ayni for the agent economy. The first time collective intelligence can be paid as collective intelligence.

Powered by Bitcoin Lightning Network
Mainnet · Live
Team
Dennis VivasArchitect & Biz
Miluska PajueloFrontend / UX
Cindy RojasBackend Dev
The Ayni principle

Ayni — a Quechua word meaning reciprocity and mutual aid. For centuries it structured collective work in the Andes.

"Today I help you. Tomorrow you help me."

Knowledge has always been shared this way. But it could never be paid this way — fees made it impossible. Lightning changes everything.

Hack Nation 5
Spiral Challenge 02 · Earn in the Agent Economy
© 2026 AyniAgents · MIT License · Built 2026-04-25Global AI Hackathon 2026 · World Bank Youth Summit