What is MiniPay and How Does it Work?

MiniPay is a lightweight digital wallet designed to make money work the way the internet does; instant, borderless, and simple.

MiniPay is a lightweight digital wallet designed to make money work the way the internet does; instant, borderless, and simple.

With MiniPay, you can hold, send, and receive stablecoins like cUSD, USDT, and USDC, all powered by the Celo blockchain. Everything happens in seconds, often for less than a cent in fees.

Think of MiniPay as the easiest way to use digital dollars, without needing to understand crypto at all.

Why we built MiniPay

Sending or receiving money, especially internationally, is often expensive, slow, and complicated. MiniPay fixes that.

By using blockchain technology behind the scenes, MiniPay lets anyone send money instantly to over 60 countries, pay for services, earn rewards, and access new financial tools, all in one simple app.

How MiniPay works

When you create a MiniPay wallet, you get a secure place to store stablecoins, which are digital currencies pegged 1:1 to the U.S. dollar.

You can:

Deposit money from your local currency using familiar payment methods like Apple Pay, card, bank transfer, or mobile money. This is made possible by integrations with trusted third-party payment providers.
Send money to anyone globally, instantly, and for almost free using phone numbers if they also have MiniPay. If they don’t, you can send them funds using MiniPay Cash Links. Transfers in MiniPay cost less than $0.01 every time, no matter how far you’re sending.
Withdraw funds from your wallet back to your local currency through your preferred payment methods, also powered by integrated payment providers.
Earn rewards through Mini Apps and MiniPay Boost, a loyalty program that rewards you for using and holding a USDT balance in MiniPay.

Behind the scenes, MiniPay runs on the Celo blockchain to move value quickly and cheaply. MiniPay handles all the complexity so you can focus on using your money.

Dollar Stablecoins: The currency of MiniPay

MiniPay uses stablecoins, which are digital versions of the U.S. dollar, to keep your money steady and predictable.

Unlike volatile cryptocurrencies, stablecoins keep the same value every day. If you have $10 in USDT, it’s worth $10 tomorrow too. That means MiniPay is both crypto-powered and currency-stable, giving you the best of both worlds.

Minipay is safe, secure, and transparent

Security is built in from day one. MiniPay is a self-custodial wallet, which means only you control your balance. Your funds never leave your wallet unless you send or withdraw them.

Actions in your wallet are protected using your biometrics, PINs, or passcodes inherited from your phone or device.

Your wallet keys are automatically encrypted and backed up to your Google or iCloud account when you sign up. Even if you lose access to your device, you can always recover your wallet safely.