Payflip

Pay anyone you can name. No IBAN, no wallet address.

65 followers

Pay anyone you can name. No IBAN, no wallet address.

65 followers

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Crypto wallets

•

Money transfer

Payflip is a dollar wallet with usernames. Send USDC or USDT to an email, @handle, phone or QR. The recipient picks how to receive, and if they don't claim it, the money comes back to you. Non-custodial. Fee shown before you send.

Free

Launch tags:Android•Fintech•Crypto

Launch Team / Built With

ContextPool

Maker

📌

Hi Product Hunt 👋 We're Flip Labs, the small team behind Payflip. The question that started all of this: why do you need to know where someone's money lives before you can pay them? Pay a friend abroad and you're asking for an IBAN or a SWIFT code. Pay them in crypto and you're asking for a wallet address, then checking which network, then checking which token. One wrong character and the money is gone. Meanwhile you already know the one thing that actually matters, which is who you want to pay. So that's what Payflip is built around. You pay the person, not the account. How it works Pick the person by something you already have on them: email, @handle, phone number, or scan their QR. Type the amount. Send. If they're on Payflip, it lands in their balance. If they're not, you can still pay them. The money waits, and they claim it when they join. If nobody ever claims it, it comes back to you on its own. No ticket, no chasing. You can even start a payment before you have an account. We spin up a temporary wallet in the background and you fund it when you're ready to finish. What's underneath Payflip runs on USDC and USDT across the networks we support, but you should rarely have to think about which one. You see one balance. Top up with a card through MoonPay where it's available, or send supported stablecoins straight to your Payflip wallet. It's non-custodial. The wallet is yours. We can't move your balance or freeze it. Stablecoins, wallets, networks and routing are the plumbing. Our job is to keep the plumbing out of your way. Where this goes Today Payflip is stablecoin payments. The direction is wider than that: pay anyone you can name, from anything you have, to anything they want. The sender picks who. The receiver picks how. We handle the middle. Over time that means more identities, more ways to pay in and more ways to pay out, without the app getting any harder to use. Money should move like a text. Two things we'd love to hear from you Where do you send money today that feels harder than it should? If someone paid you through just your email, phone number or @handle, what would make that feel trustworthy? We're in the comments all day. Ask anything, try to break it, tell us what's confusing. Thanks for checking out Payflip 💚

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1mo ago

Dial

"the money waits, and they claim it when they join" is the part I'd want more detail on - while it's sitting unclaimed, who actually holds it? "non-custodial" usually means the user controls the keys the whole time, but an unclaimed balance sitting against an email address before the recipient has even signed up sounds like it has to be held by Payflip's own contract or account in the interim. is that escrow logic on-chain and auditable, or is it something you're trusting the backend to honor?

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1mo ago

Payflip

Maker

@galdayan Hi, sorry for the same reply.
So this unclaimed fund lies in an escrow contract from where it can only move by the receivers signature. It is never in Payflip's custody, locked in a contract where only the intended receiver can get it, and on expiry only the original sender can pull it back.

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1mo ago

Dial

@i_rishu that's the clean answer, on-chain escrow means you don't have to just trust a backend ledger entry. the reclaim-on-expiry part is the smart bit too, means the sender isn't stuck with money in limbo forever if the recipient never signs up

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1mo ago

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