POWERED BY SOLANA

Send money
to anyone.
No wallet required.

Send digital dollars by link. Your recipient claims it with just a phone number — no app, no wallet, no signup.

One link. That's all they need.

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Self-custody until claim
400ms settlement
Works globally
No wallet needed
USDC
Amount
$250.00
paylink.app/c?id=a8f3…
Expires in
23h 47m
LIVE
< 400ms
Settlement Speed
$0.001
On-Chain Fee
Open
Source Contract
0
Accounts Required
HOW IT WORKS

Three steps. Millions of people.

Built for the person who doesn't know what a seed phrase is — and never should have to.

Tunde, in Toronto, sends $200. Aisha, in Lagos, gets ₦300,000 in her bank account in 90 seconds.
No wallet. No app. Just a link.

01
01 / LOCK

You lock the funds

Connect your wallet. Pick USDC or USDT. Set the amount and an expiry window. Funds lock in an open-source Solana smart contract — not on our servers.

02
02 / SEND

You share a link

A unique URL is generated instantly. Send it over WhatsApp, SMS, email, or a DM. No wallet address. No QR codes. No explaining what a blockchain is.

03
03 / CLAIM

They tap. Money arrives.

They open the link. Type their phone number. Get a one-time code on WhatsApp. Funds release on-chain and route to their bank. No app. No wallet. No crypto knowledge.

Not built for crypto natives.
Built for everyone else.

Families Sending Money Home

Remittances cost 6.2% globally on average. PayLink moves on-chain for under a cent — the only fee left is the off-ramp to your family's bank. They get a WhatsApp link. They claim it. Done.

Freelancers & Remote Workers

Invoice international clients without sharing a wallet address. Get paid in stablecoins. Convert to local currency on your terms. No wire fees, no chargebacks.

Merchants & Market Traders

Accept digital payments without a POS terminal, a bank account, or a crypto wallet. One link. Any amount. Any customer.

SECURITY

Your funds are protected by code, not promises.

Open contract. Auditable rules. Your trust isn't in us — it's in math you can read.

Self-custody until claim
Funds live in an on-chain Solana escrow. PayLink cannot access, freeze, or move them while they sit. Only the smart contract's rules can release them.
Automatic reclamation
You set the expiry window. If unclaimed, your funds return to you on-chain automatically — no support ticket required.
Phone-verified claiming
Recipients verify with a one-time WhatsApp/SMS code. We're upgrading to passkeys + embedded wallets in v2 to remove this attack surface entirely.
Open Source Contract
Written in Rust. Built with Anchor. Every constraint auditable on-chain.
Program: 3aNvxijKXfz2VBDEH5iKXnvebjUretGgtgFwzqFjP5EV
#[account(
  mut,
  close = sender,
  seeds = [
    b"escrow",
    claim_seed.as_ref()
  ],
  bump = escrow.bump
)]
pub escrow: Box<
  Account<EscrowAccount>
>,
Anchor 0.32RustSolanaSPL Token

Built on Solana for a reason.

400ms finality. $0.001 fees. No other chain makes this viable.

Anchor Escrow

Multi-token (USDC + USDT). PDA-derived accounts. Strict ownership. Rent reclaimed on close.

Auto-Reclaim

Set exact expiration. Funds return to sender on-chain automatically if unclaimed.

Multi-Token

Native USDC and USDT on Solana. Devnet today, mainnet ready.

What we don't do

✕ Sit on your funds ✕ Collect KYC from the sender ✕ Hide our fees ✕ Require the recipient to download anything

WHAT IT COSTS

The honest math on $200.

We're not free — but we're honest about every cent. The on-chain leg is sub-cent. The fiat off-ramp adds the rest.

Sending $200 to Lagos
Western Union
Wise
PayLink
Sender fee
$9.50
$4.20
< $0.01
Off-ramp / FX
Hidden in rate
~0.5%
~3% (MoonPay)
Time to arrive
6 days
1–3 days
~90 seconds
Recipient setup
Branch visit
Bank account
Just a phone

Off-ramp fee shown is MoonPay's standard. We don't take a cut today — and when we do, you'll see it on this table.

QUESTIONS

Things you're probably wondering.

Is PayLink custodial?+

No, with one honest caveat. While funds sit in escrow, they're in an on-chain smart contract — we cannot touch them. During the few seconds between the recipient's OTP verification and the on-chain claim, our relayer signs the claim transaction on their behalf so they don't need SOL for gas. We're removing that window in v2 with embedded wallets.

How is this different from Solana Pay?+

Solana Pay assumes both sender and recipient have wallets. PayLink is the first to make "no wallet, just a phone number" the default for the recipient. The sender side still uses any Solana wallet you like — Phantom, Backpack, Solflare.

What if the recipient never claims it?+

You set an expiry window when you create the link (1 hour to 30 days). After expiry, the funds return to your wallet on-chain — no support ticket, no waiting period. The contract enforces this; we have no power to override it.

What countries does this work in?+

The on-chain leg works anywhere Solana works — i.e., everywhere. The fiat off-ramp depends on MoonPay's coverage (currently 160+ countries including Nigeria, Kenya, India, Mexico, Philippines). If MoonPay doesn't serve your recipient's country, they can still hold the USDC and off-ramp through any exchange they prefer.

Has the smart contract been audited?+

Not yet by an external firm. The contract is open-source, written in Anchor, and follows standard Solana escrow patterns (PDA-derived accounts, strict ownership, rent reclamation on close). Mainnet launch is gated on a third-party audit, which we've budgeted for.

How do you make money?+

Today: zero protocol fees. The plan is a 0.5% fee on the on-chain leg once we have meaningful volume — well below traditional remittance margins, and visible on the cost table above. Free for senders under $50 to drive consumer adoption.

Stop explaining crypto to people you're trying to pay.

PayLink handles the complexity. They just tap a link.

Create your first PayLink

No sign-up · Connect wallet · Generate link · Send money