Monipay FAQ , Frequently Asked Questions
Everything about Monipay: gasless payments, MoniTag™, MoniBot, supported chains, security, fees, merchant tools, and developer API.
Frequently asked questions
Section A , General
1. What is Monipay?
A non-custodial, gasless stablecoin payment network spanning Base, BSC, Solana, Tempo, Ink and Celo. Send by MoniTag™ , a human-readable username.
2. Who built Monipay?
Monipay is built and operated by the Monipay team. See the About page.
3. Is Monipay open source?
Smart contracts are verified on each chain's explorer. Core app source is closed.
4. What chains does Monipay support today?
Base (USDC), BSC (USDT), Solana (USDC SPL), Tempo (αUSD), Ink, Celo (cUSD via MiniPay).
5. Is Monipay free to use?
Personal sends are free of gas; merchants pay 1% per transaction. Storefront Pro is $30/month.
Section B , MoniTag™
6. What is a MoniTag™?
A unique username that maps to your wallet address on every supported chain.
7. Are MoniTags case-sensitive?
Stored lowercase. UI may display as you typed.
8. Can I change my MoniTag™?
No. Pick carefully.
9. What characters are allowed?
Lowercase letters, digits, underscore. Length 3–20.
10. What if my MoniTag™ is reserved?
A 150+ word blocklist prevents impersonation (admin, support, monipay, etc.). Try a variation.
11. Can I have multiple MoniTags™?
One per account. Use store sub-paths for brand variants.
Section C , Wallets & Security
12. Is Monipay custodial?
No. Keys are generated locally and encrypted with your PIN (AES-256-GCM).
13. Where is my private key stored?
localStorage on web (encrypted), Secure Enclave/KeyStore on native, never on Monipay servers. Solana key is localStorage-only.
14. Can Monipay access my funds?
No. We have no copy of your private key.
15. What happens if I forget my PIN?
Restore from your encrypted backup file or Google Drive backup. Without either, funds are unrecoverable. PIN-only.
16. Does Monipay use seed phrases?
No. We use PIN-encrypted local keys. Seed-phrase compatibility is not exposed by default.
17. What is the Walkaway Test?
If Monipay shuts down, your encrypted key still works with any Ethereum/Solana tooling. You own your funds.
18. What encryption is used?
AES-256-GCM for the key, Argon2id for the PIN hash.
19. What about lockout?
5 failed PIN attempts triggers a temporary lockout.
20. Is biometric unlock supported?
Yes on native (FaceID/TouchID/fingerprint).
Section D , Payments
21. How do I send a payment?
Enter @MoniTag → amount → confirm with PIN. Settled on-chain in seconds.
22. Why are payments gasless?
Monipay sponsors gas via ERC-2771 (Base/BSC), native feePayer (Tempo), and feePayer relay (Solana).
23. What is the platform fee?
1% per transaction, split atomically by the router contract.
24. Are there minimums or maximums?
No hard minimum; rate limits apply (5/wallet/min, 10/IP/min on relay).
25. Do payments settle on-chain?
Yes, every payment is a real on-chain transfer with an explorer link.
26. Can I pay someone on a different chain?
Cross-chain auto-routing picks the chain where you have balance and the recipient is supported.
27. Can I send to a non-Monipay user?
Use an IOU at /claim; recipient claims later by creating a MoniTag.
28. Can I cancel a payment?
Once signed and broadcast, no. On-chain is final.
Section E , Merchants
29. How do I become a merchant?
Sign up, create a MoniTag™, enable merchant mode in settings.
30. What is Storefront Pro?
$30/month subscription unlocking /store/@yourtag storefront customization.
31. How does the payment gateway work?
Redirect customers to monipay.xyz/pay?orderId=… or /pay/pl_[code]. Webhook fires on completion.
32. How are webhooks secured?
HMAC-SHA256 signature in the X-Monipay-Signature header.
33. What is a payment link?
A pl_[code] URL for a fixed or open-amount payment, single or multi-use.
34. Can I issue invoices?
Yes, with itemized line items, due dates, and one-click pay.
35. Is there a refund flow?
Initiate refunds manually from the order page; on-chain reverse transfer.
Section F , MoniBot
36. What is MoniBot?
An autonomous AI agent that processes crypto payments and campaigns on Discord, Telegram and X.
37. Which platform is the reference implementation?
Discord. Telegram and X mirror its behavior with platform-specific adaptations.
38. How do I link my MoniTag™ to Discord/Telegram?
Use /link @yourtag and complete the handshake.
39. Can MoniBot run giveaways?
Yes. First-come-first-served grants until campaign budget is exhausted.
40. Does MoniBot support multi-recipient sends?
Yes. Use commas or "and" in the command.
41. How does MoniBot pay gas?
An executor wallet sponsors gas; on Tempo, allowance approvals are bypassed.
Section G , Chains
42. Which chain should I use?
Base for USDC, BSC for USDT, Solana for USDC SPL, Tempo for αUSD, Celo for cUSD via MiniPay.
43. What is AlphaUSD?
A TIP-20 stablecoin on Tempo Moderato Testnet (chain ID 42431, 18 decimals).
44. Is Tempo on mainnet?
Tempo support is currently testnet-only behind the VITE_ENABLE_TEMPO flag; the public /tempo route bypasses the flag.
45. Why does Solana use a Twin-Key model?
Ed25519 + relay feePayer enables gasless SPL transfers without key custody.
46. What is the ERC-8021 builder code?
bc_qt9yxo1d is appended to Base transactions for builder attribution.
Section H , Developers
47. Does Monipay have an SDK?
REST API + Chrome extension window.monipay.requestPayment() today; SDK roadmap published in Changelog.
48. How do I generate API keys?
Merchant settings → API Keys → Generate. Public + secret pair.
49. What rate limits apply?
5 requests/wallet/min and 10/IP/min on relay-payment.
50. Where are smart contracts verified?
Basescan, BscScan, contracts.tempo.xyz, Solscan/Solana program registry.
Section I , Mobile
51. Is there a mobile app?
Native Flutter app (SDK 3.27+, Dart 3.6+) with strict parity to web. PWA also supported.
52. Does the PWA work offline?
Network-first service worker cache; deep links via monipay://pay?to=….
53. Are push notifications supported?
Yes, with deep-link routing to the relevant transaction.
Section J , Privacy & Legal
54. What data does Monipay collect?
Account email, MoniTag™, transaction metadata. No private keys, no PIN.
55. How do I delete my account?
Soft delete via Settings → Delete Account. profiles.status='deactivated'. Data retained for compliance; account blocked from re-import.