Banks collect your ID, address and selfie, share it across their networks, and can freeze your account. Numpay is built on the opposite principle: collect only what’s needed to route a payment, and never hold the keys to your money. Verified contact details are kept by Numpay, keys are user controlled and transfers settle on-chain. Verified contact details are kept by Numpay, keys are user controlled and transfers settle on-chain.

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No KYC paperwork

Numpay doesn’t ask for an ID document, a selfie, a home address or a background check. To use Numpay you need one thing: a mobile number or an email address that you prove you own with a one-time code.
Card top-ups are handled by third-party providers through Onramper. Those providers may run their own identity checks under their own policies.

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What Numpay stores

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What Numpay never has

  • Your private key. It is reconstructed only on your device after you pass Web3Auth’s one-time-code check. Numpay’s servers never receive it.
  • Your card or bank details. Card purchases happen inside Onramper.
  • The ability to move your money. Your wallet only accepts instructions signed by your key.

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User-controlled keys

Your key is never stored in one place. Web3Auth splits it into shares held across its node network; your device reassembles it after you verify your mobile number or email. There is no seed phrase to lose and no password Numpay could reset on your behalf.

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What you get

Frictionless onboarding

No ID upload, no waiting for approval.

No compliance lockouts

Numpay can’t freeze a wallet it doesn’t control.

Minimal data

Only what’s needed to route payments, never sold.

Trustless settlement

Every payment is verifiable on a public blockchain.
With Numpay, your money stays yours. Always.