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 that makes money work the way the internet does — instant, borderless, and simple.

With MiniPay, you can hold, send, and receive digital dollars (stablecoins like cUSD, USDT, or USDC) — all powered by the Celo blockchain. Everything happens in seconds, usually for less than a cent in fees.

Think of MiniPay as the easiest way to use dollars online.

Why we built MiniPay

Sending or receiving money — especially across countries — is often slow, expensive, and complicated.

MiniPay changes that. It uses blockchain technology behind the scenes to make sending money as easy as sending a text, to anyone, in over 60 countries, instantly and affordably.

You can also send money from Nigeria to Ghana, USA to the Phillipines, pay for services, earn rewards, and explore new financial tools — all from one simple app.

How MiniPay works

When you create a MiniPay wallet, you get a secure home for your digital dollars (stablecoins).

Here’s what you can do:

Deposit money from your local currency using Mobile money, bank transfer, debit/credit cards, Apple Pay, and more— through trusted third party providers.
Send money instantly to anyone, anywhere. Transfers cost less than $0.01. You can even send to people without MiniPay using MiniPay Cash Links.
Withdraw money back to your local currency through your favorite payment methods.
Earn rewards with MiniPay Boost and Mini Apps that give you bonuses for holding or using your wallet

MiniPay handles all the crypto complexity for you — so you just use it like any other money app.

Why Digital Dollars (Stablecoins)?

Stablecoins are digital versions of the U.S. dollar that always stay the same in value.
If you have $10 in USDT today, it’s still $10 tomorrow.

So MiniPay gives you the best of both worlds — the speed of crypto with the stability of dollars.

Minipay is safe, secure, and transparent

Security is built in from day one. MiniPay is self-custodial, meaning only you control your wallet.

Your balance stays in your wallet— not with any company.
Everything is protected by your phone’s biometrics, PIN, or passcode.
Your wallet keys are safely backed up to your Google or iCloud account for easy recovery.

Even if you lose your phone, your wallet stays safe and recoverable.