A WhatsApp message that settles as USDC on Tempo in seconds — payable by anyone with a phone number, whether or not they've ever touched crypto.
Billions of dollars cross borders every year, and billions of people are already one WhatsApp chat away. MistPay connects the two.
Crypto rails behind the scenes so your customers never have to think about them. Requesters sign in once. Payers never create an account.
You receive a payment link on WhatsApp. No app install, no account, no wallet setup — ever.
Sign in once with your phone. Then create requests from WhatsApp or the app — your choice.
Send payment links without leaving the chat. Your business runs on WhatsApp. Payments should too.
Never leave WhatsApp. One command creates a payment request and returns a link — all in the same thread.
For group splits, business invoices, and anything that needs more than a one-liner command.
No app. No signup. No wallet. The fastest settlement your customers will never know is crypto.
No more chasing. No more spreadsheets. Your books stay clean without lifting a finger.
Stop juggling apps. Invoicing, crypto, and payments in one flow. Built for markets where payment gateways fail you — and customers don't want to learn wallets.
Set up business accountPrivy pregenerates the receiver's wallet from their phone number, before they've ever logged in — so a request has somewhere to land the instant it's created. Payers can use a passkey wallet in one tap. No seed phrases. No installs on either side.
Payer has USDC on Base or Ethereum? MistPay gives them a single-use deposit address. They send from any wallet or exchange, and Relay delivers exactly the requested amount on Tempo — anything extra or missing is refunded. They never bridge manually.
Every request id is a 32-byte memo carried by the stablecoin transfer itself. Non-custodial — funds move directly from payer to receiver, and MistPay only counts a payment once its memo and amount are verified on-chain. Network fees are sponsored and measured in fractions of a cent.
Sources: cost — World Bank Remittance Prices Worldwide, Q3 2025; PayPal Merchant & Business Fees, Aug 2025 (fee lines shown as disclosed, stacked for a cross-border card payment requiring conversion). speed — Wise/industry wire-transfer guidance 2025; Tempo documentation.
No monthly fees. No setup costs. A small percentage only on fulfilled requests.
Create unlimited payment requests. Single or group splits. Personal or invoice mode. WhatsApp or in-app.
On a $50 request: $1. On a $500 invoice: $10. If your payer doesn't pay, you pay nothing.
No. They open a link, pick card or crypto, and pay. No app install, no account, no wallet setup — ever.
Free to create requests. 2% only when a payment is fulfilled. You pay nothing if the payer doesn't pay.
Any. Cards and Apple Pay convert fiat to USDC automatically. Crypto payers can use a Tempo wallet or send USDC from another chain — the receiver always gets the exact amount.
Under a minute for crypto. Cross-border settlement as fast as sending a message — no wire delays, no correspondent banks.
No. Mistpay runs on crypto rails behind the scenes. You see a dashboard. Your customers see a payment page. That's it.
Businesses running on WhatsApp — especially in markets where payment gateways fail you and customers don't want to learn wallets.
Cross-border payments that feel local. No wire delays. No correspondent banks. From request to settled in under a minute.
Sign in with your phone · no seed phrase · no install