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Pay Anyone

Send and receive money to anyone by handle, email, full name, phone number, or connected X account. Counterparties see the user's handle and profile picture. Names, wallet addresses, and banking details stay private.

Find anyone​

Search by:

  • Encrypto handle (the user's chosen @username).
  • Connected X account. Linking X imports the @username and profile picture automatically.
  • Email.
  • Phone number.
  • Full name.

The handle and profile picture are editable at any time. Updating them updates how the user appears to counterparties.

Privacy​

Compliant pseudonymity. KYC happens once at the regulated partner layer when the user signs up. After that, counterparties never see the user's legal name, wallet addresses, or banking details. A payer who only knows your handle (or X account) cannot trace back to your identity. If a user chooses to be known by their X handle, they stay known by their X handle. No leak to legal name, address, or wallet.

Identification by email, phone, or full name only works for counterparties who already know that information. Encrypto does not surface a user's real identity to anyone who does not already hold it.

Receiving​

USDC lands on the card. Other tokens land in the wallet, or auto-convert to USDC on the card if the user opts in.

Recipients​

The recipient does not need an Encrypto account. They receive the money in the form they expect:

  • Another Encrypto user, by any identifier above.
  • Any external wallet on any of the supported chains.
  • Any bank account in a supported region, on that region's local rail.