The Walkaway Test

Would your funds survive if MoniPay disappeared tonight?

The Walkaway Test is a simple question: If MoniPay as a company disappeared tonight, what would happen to your money?

Answer for MoniPay: Your funds would be perfectly safe.

Why Your Funds Survive

  • On-Chain Reality: Your USDC/USDT lives on-chain (Base/BSC) — verifiable by anyone with a block explorer.
  • Local Keys: Your encrypted key lives on your device, not on MoniPay's servers.
  • Immutable Contracts: The MoniPayRouter smart contract is deployed and immutable. It doesn't need MoniPay the company to function.
  • Standard Recovery: You can export your private key and import it into any standard wallet like MetaMask or Rabby.

The Hammer vs. Dishwasher

Think of a traditional bank like a dishwasher. If the manufacturer goes bust and the machine breaks, you can't get your dishes out without a specialist.

MoniPay is like a hammer. If the company that made the hammer goes out of business, the hammer still works exactly the same way. It's a tool you own, not a service you rent.

What You Keep vs. What You Lose

| What You Keep | What You Lose | | :--- | :--- | | Your USDC/USDT Balance | Gasless Transactions (Relayer) | | Your Private Key | Human-readable MoniTags | | Your Transaction History | MoniBot Autonomous Features | | Permissionless Access | Customer Support |