What is Monipay? , Gasless Stablecoin Payments by Username
Monipay is a non-custodial, gasless, multi-chain stablecoin wallet that lets anyone send USDC, USDT and AlphaUSD by MoniTag username. Built on Base, BSC, Solana and Tempo.
What is Monipay?
Monipay is the simplest way to send and receive stablecoins. It replaces long blockchain addresses with MoniTag™ usernames (e.g. @samuel), removes gas fees from the user experience entirely, and stays non-custodial , your keys never leave your device.
Send
$5to@alicein two taps. No gas. No seed phrase friction. Works on Base, BSC, Solana and Tempo from a single account.
The Monipay thesis
Crypto payments have failed consumers for a decade because the UX is hostile: 42-character addresses, native gas tokens, signing prompts written in hex, lost-key panic. Monipay collapses all of that into a username and a PIN.
- Username, not address.
@samuelresolves to a wallet on every supported chain. - PIN, not seed phrase. Your private key is encrypted locally with AES-256-GCM using your PIN. No 12-word ceremony to lose.
- Zero gas. A paymaster sponsors fees on Base, BSC, Tempo and Solana. Users hold only stablecoins.
- One account, every chain. USDC on Base, USDT on BSC, AlphaUSD on Tempo, USDC SPL on Solana , same MoniTag, same login.
A Hammer, not a service
Monipay is built like a tool, not a managed service. We call this the Walkaway Test:
If Monipay's company, servers and team disappeared tomorrow, could you still spend the funds in your wallet?
The answer is yes. Your encrypted private key sits in localStorage (or your phone's secure enclave) and can be exported, decrypted with your PIN, and imported into MetaMask, Rabby, Phantom or any compatible wallet. Monipay is the convenience layer; the wallet is yours.
What Monipay is not
- Not a custodial exchange. We never hold your funds.
- Not a stablecoin issuer. We move USDC, USDT, AlphaUSD and other regulated stablecoins.
- Not a chain. Monipay is an application layer that runs on Base, BSC, Solana and Tempo.
- Not a Web3 social app. MoniBot adds social distribution, but the core product is a payment rail.
Who is Monipay for?
- Consumers who want Venmo-simple crypto payments without gas anxiety.
- Merchants who want to accept stablecoins online or in-person without POS hardware.
- Creators who want to receive tips and run airdrops via Twitter, Discord and Telegram.
- Developers who want to embed gasless stablecoin payments into their app or website.