Send USDC on mobile with PayCoin!

Send USDC to other PayCoin users and use smart contracts to add payment flexibility by using date and time constraints!

Need to pay a security deposit for a short sublease agreement and utilities? You're in the right place. Be a part of the future of mobile USDC payments with PayCoin.


Under the Hood

PayCoin operates on the Stellar blockchain network. Stellar is a fast open-source blockchain network built specifically to enhance the world's financial system. Stellar supports Circle, which powers USD Coin (USDC). USDC is always redeemable 1:1 for U.S. dollars. USDC reserves are held in the management and custody of leading U.S. financial institutions and Circle is regulated as a licensed money transmitter under U.S. state law.


PayCoin's mission to power the world's mobile USDC payments is only achievable by pursuing the highest standards of regulatory compliance. PayCoin aims to consistently adhere to Anti-Money Laundering (AML) laws and other rules and regulations. PayCoin is also compliant to non-PII regulaton.

You'll have access to 2FA (Two-Factor Authentication) and multisig. PayCoin is a non-custodial wallet, only you have access to your account's secret key which is stored in your phone's secure storage and you are the only one who can access your money.


PayCoin charges a service fee of 0.9% for each initiated payment on the app. This fee helps PayCoin provide a safe, fast and intuitive stablecoin payments experience on mobile!

Smart Contracts

Smart contracts are self-executing programs stored on the blockchain that enables two or more parties to exchange money, property, shares, or anything of value in a transparent, conflict-free way while avoiding the need for a third party. PayCoin will use Soroban, a smart contracts platform built with Stellar's speed and interoperability in mind.

Releasing in June!

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