We’ll create a banking smart contract that supports Layer 2 solutions (Arbitrum, Optimism, zkSync, and Polygon zkEVM) and multichain wallet connection.
Table of Contents
Steps to Build This System
Write & Deploy a Solidity Smart Contract on Layer 2
Integrate Multichain Wallet (Ethers.js & Web3Modal)
Develop a React Frontend for deposits, withdrawals, and interest calculation
Smart Contract – Solidity (Multi-Token Banking System)
Features:
Supports ETH & ERC-20 deposits
Interest calculation on deposits
Multi-token support
Multichain compatibility with Layer 2 networks
Solidity Code (Layer 2 Banking System)
// SPDX-License-Identifier: MIT
pragma solidity ^0.8.19;
import "@openzeppelin/contracts/token/ERC20/IERC20.sol";
import "@openzeppelin/contracts/access/Ownable.sol";
contract Layer2Bank is Ownable {
struct Deposit {
uint256 amount;
uint256 timestamp;
address token;
}
mapping(address => Deposit[]) public userDeposits;
mapping(address => bool) public supportedTokens;
uint256 public interestRate = 5; // 5% annual interest
event Deposited(address indexed user, uint256 amount, address token);
event Withdrawn(address indexed user, uint256 amount, address token);
constructor(address[] memory tokens) {
for (uint256 i = 0; i < tokens.length; i++) {
supportedTokens[tokens[i]] = true;
}
}
function depositETH() external payable {
require(msg.value > 0, "Deposit amount must be greater than zero");
userDeposits[msg.sender].push(Deposit(msg.value, block.timestamp, address(0)));
emit Deposited(msg.sender, msg.value, address(0));
}
function depositERC20(address token, uint256 amount) external {
require(supportedTokens[token], "Token not supported");
require(amount > 0, "Amount must be greater than zero");
IERC20(token).transferFrom(msg.sender, address(this), amount);
userDeposits[msg.sender].push(Deposit(amount, block.timestamp, token));
emit Deposited(msg.sender, amount, token);
}
function withdraw(uint256 index) external {
require(index < userDeposits[msg.sender].length, "Invalid index");
Deposit memory userDeposit = userDeposits[msg.sender][index];
uint256 interest = calculateInterest(userDeposit.amount, userDeposit.timestamp);
uint256 totalAmount = userDeposit.amount + interest;
if (userDeposit.token == address(0)) {
payable(msg.sender).transfer(totalAmount);
} else {
IERC20(userDeposit.token).transfer(msg.sender, totalAmount);
}
delete userDeposits[msg.sender][index];
emit Withdrawn(msg.sender, totalAmount, userDeposit.token);
}
function calculateInterest(uint256 amount, uint256 timestamp) public view returns (uint256) {
uint256 timeElapsed = block.timestamp - timestamp;
uint256 interest = (amount * interestRate * timeElapsed) / (365 days * 100);
return interest;
}
function addSupportedToken(address token) external onlyOwner {
supportedTokens[token] = true;
}
function removeSupportedToken(address token) external onlyOwner {
supportedTokens[token] = false;
}
}
Deploy the Contract on a Layer 2 Blockchain
We will deploy this contract on a Layer 2 blockchain like Arbitrum, Optimism, or zkSync.
Deployment Steps (Using Hardhat)
Step 1: Install Dependencies
npm install hardhat @openzeppelin/contracts dotenv
Step 2: Configure hardhat.config.js
require("@nomiclabs/hardhat-ethers");
module.exports = {
networks: {
arbitrum: {
url: "https://arb1.arbitrum.io/rpc",
accounts: [`0x${process.env.PRIVATE_KEY}`],
},
optimism: {
url: "https://mainnet.optimism.io",
accounts: [`0x${process.env.PRIVATE_KEY}`],
},
},
solidity: "0.8.19",
};
Step 3: Deploy Contract
npx hardhat run scripts/deploy.js --network arbitrum
React Frontend Integration (Multichain Wallet Support)
We will use Ethers.js & Web3Modal to support MetaMask, WalletConnect, and Coinbase Wallet.
Install Dependencies
npm install ethers web3modal
connectWallet.js
(Multichain Wallet Connection)
import { ethers } from "ethers";
import Web3Modal from "web3modal";
const supportedNetworks = {
42161: "Arbitrum",
10: "Optimism",
1101: "Polygon zkEVM",
};
export const connectWallet = async () => {
const web3Modal = new Web3Modal();
const provider = await web3Modal.connect();
const ethersProvider = new ethers.providers.Web3Provider(provider);
const signer = ethersProvider.getSigner();
const { chainId } = await ethersProvider.getNetwork();
if (!supportedNetworks[chainId]) {
alert("Unsupported Network! Please switch to Arbitrum, Optimism, or Polygon zkEVM.");
return;
}
return { signer, chainId };
};
Deposit.js
(Deposit ETH & ERC-20)
import { ethers } from "ethers";
import BankContractABI from "./BankContractABI.json";
const contractAddress = {
42161: "0xArbitrumContractAddress",
10: "0xOptimismContractAddress",
1101: "0xPolygonzkEVMContractAddress",
};
export const depositETH = async (signer, chainId, amount) => {
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tx = await contract.depositETH({ value: ethers.utils.parseEther(amount) });
await tx.wait();
alert("Deposit Successful!");
};
export const depositERC20 = async (signer, chainId, tokenAddress, amount) => {
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tokenContract = new ethers.Contract(tokenAddress, ["function approve(address,uint256)"], signer);
await tokenContract.approve(contractAddress[chainId], ethers.utils.parseEther(amount));
const tx = await contract.depositERC20(tokenAddress, ethers.utils.parseEther(amount));
await tx.wait();
alert("ERC-20 Deposit Successful!");
};
Withdraw.js
(Withdraw Funds with Interest)
export const withdrawFunds = async (signer, chainId, index) => {
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tx = await contract.withdraw(index);
await tx.wait();
alert("Withdrawal Successful!");
};
Create a React frontend for multichain banking system
I’ll create a React frontend for your multichain banking system. This will allow users to connect their wallet, deposit ETH/ERC-20 tokens, withdraw funds with interest, and view their transaction history.
Features of the Frontend
Multichain Wallet Connection (MetaMask, WalletConnect, Coinbase Wallet)
Deposit ETH & ERC-20 Tokens
Withdraw Funds with Interest
Transaction History
Automatic Network Detection & Switching
Tech Stack
- React.js (Frontend framework)
- Ethers.js (Blockchain interaction)
- Web3Modal (Multichain wallet support)
- Tailwind CSS (Styling)
React Code (Complete Frontend)
React project with all functionalities.
Let’s start with the main frontend code:
import React, { useState, useEffect } from "react";
import { ethers } from "ethers";
import Web3Modal from "web3modal";
import BankContractABI from "./BankContractABI.json";
const contractAddress = {
42161: "0xArbitrumContractAddress",
10: "0xOptimismContractAddress",
1101: "0xPolygonzkEVMContractAddress",
};
const supportedNetworks = {
42161: "Arbitrum",
10: "Optimism",
1101: "Polygon zkEVM",
};
export default function App() {
const [account, setAccount] = useState("");
const [signer, setSigner] = useState(null);
const [chainId, setChainId] = useState(null);
const [amount, setAmount] = useState("");
const [tokenAddress, setTokenAddress] = useState("");
const [transactionHistory, setTransactionHistory] = useState([]);
const connectWallet = async () => {
const web3Modal = new Web3Modal();
const provider = await web3Modal.connect();
const ethersProvider = new ethers.providers.Web3Provider(provider);
const signer = ethersProvider.getSigner();
const { chainId } = await ethersProvider.getNetwork();
if (!supportedNetworks[chainId]) {
alert("Unsupported Network! Please switch to Arbitrum, Optimism, or Polygon zkEVM.");
return;
}
setSigner(signer);
setAccount(await signer.getAddress());
setChainId(chainId);
};
const depositETH = async () => {
if (!signer || !chainId) return alert("Connect your wallet first!");
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tx = await contract.depositETH({ value: ethers.utils.parseEther(amount) });
await tx.wait();
alert("Deposit Successful!");
};
const depositERC20 = async () => {
if (!signer || !chainId) return alert("Connect your wallet first!");
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tokenContract = new ethers.Contract(tokenAddress, ["function approve(address,uint256)"], signer);
await tokenContract.approve(contractAddress[chainId], ethers.utils.parseEther(amount));
const tx = await contract.depositERC20(tokenAddress, ethers.utils.parseEther(amount));
await tx.wait();
alert("ERC-20 Deposit Successful!");
};
const withdrawFunds = async (index) => {
if (!signer || !chainId) return alert("Connect your wallet first!");
const contract = new ethers.Contract(contractAddress[chainId], BankContractABI, signer);
const tx = await contract.withdraw(index);
await tx.wait();
alert("Withdrawal Successful!");
};
return (
<div className="flex flex-col items-center p-10">
<h1 className="text-3xl font-bold">Multichain Banking DApp</h1>
<button onClick={connectWallet} className="mt-5 px-4 py-2 bg-blue-500 text-white rounded">
{account ? `Connected: ${account.substring(0, 6)}...` : "Connect Wallet"}
</button>
<div className="mt-5">
<input
type="text"
placeholder="Amount"
value={amount}
onChange={(e) => setAmount(e.target.value)}
className="p-2 border rounded mr-2"
/>
<button onClick={depositETH} className="px-4 py-2 bg-green-500 text-white rounded">
Deposit ETH
</button>
</div>
<div className="mt-5">
<input
type="text"
placeholder="ERC-20 Token Address"
value={tokenAddress}
onChange={(e) => setTokenAddress(e.target.value)}
className="p-2 border rounded mr-2"
/>
<button onClick={depositERC20} className="px-4 py-2 bg-yellow-500 text-white rounded">
Deposit ERC-20
</button>
</div>
<div className="mt-5">
<h2 className="text-xl">Transaction History</h2>
{transactionHistory.length > 0 ? (
transactionHistory.map((tx, index) => (
<div key={index} className="border p-2 mt-2 rounded">
{tx}
</div>
))
) : (
<p>No transactions yet</p>
)}
</div>
</div>
);
}
This React frontend enables users to:
- Connect their wallet
- Deposit ETH and ERC-20 tokens
- Withdraw funds
- View transaction history
- Automatically detect supported networks (Arbitrum, Optimism, Polygon zkEVM)
Conclusion
This Layer 2 multichain banking DApp enables users to deposit, withdraw, and earn interest across Arbitrum, Optimism, and Polygon zkEVM. Future enhancements will include cross-chain transactions and staking rewards.
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