Send money anywhere with just a phone number. Borderless. No KYC. No fees. Instant & private
Joined July 2025
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Numpay is ready on Elysium testnet!
We've successfully completed our first gasless USDC transfer, with 0 HYPE required from the sender.
Here's what's built:
• Phone & email login powered by Web3Auth
• USDC transfers to any phone number or email
• Payments to non-users with automatic recipient account creation
• Gasless withdrawals to Elysium addresses
• Payment requests through direct requests and shareable links
• Transaction history with explorer links
• Pimlico gas sponsorship covering network fees
Our core payment flow is successfully tested, with final validation underway for receiving and withdrawals.
No seed phrases. No gas tokens to manage. Just simple dollar payments.
numpay.app
Numpay on Elysium testnet is ready.
We successfully sent USDC with 0 HYPE in the sender's account. The transaction went through, and the gas was fully sponsored.
We've now built the complete Numpay payment experience on Elysium.
Here's what we've achieved:
- First gasless USDC transfer confirmed. We successfully transferred 0.02 USDC on Elysium testnet. Pimlico's paymaster covered 0.0000356 HYPE in fees, including smart account deployment.
- Phone and email authentication. Web3Auth enables users to sign in with a simple verification code. Kernel v3.3 smart accounts are created automatically, with no seed phrases or complicated setup.
- Same addresses as Base. Our smart account addresses remain identical across Base and Elysium, allowing us to maintain the same account structure.
- Send USDC to anyone. Users can send dollars directly to a phone number or email address without needing to know the recipient's blockchain address.
- Payments to non-users. Numpay creates recipient accounts in advance, allowing people to receive funds when they join and log in for the first time.
- Gasless withdrawals. We've added USDC withdrawals to any Elysium address, with Numpay sponsoring the transaction fees.
- Request money. Users can create direct payment requests or share payment links to receive USDC.
- Transaction history. Every payment can be tracked through the app, with links to the Elysium explorer.
- Pimlico gas sponsorship. Users don't need HYPE to transact. Numpay handles the network fees behind the scenes.
Where we stand:
The full feature set is implemented on Elysium testnet.
Login, account creation, USDC sending, and gas sponsorship are successfully tested. Final validation of first-login receiving and withdrawals is underway.
We've gone from getting our first sponsored transaction working to building the entire Numpay experience on Elysium.
Phone number or email → Send USDC → Done.
No seed phrases. No HYPE required. No complicated crypto setup.
Testnet ready. More updates soon.
Numpay is making progress on Elysium! 🚀
Our first gasless transaction on Elysium testnet is successful.
Here's what's ready:
Smart accounts: Kernel v3.3 deployed and working.
Gas sponsorship: Pimlico bundler and paymaster integration working.
Same addresses: Deterministic smart-account addresses match Base.
Frontend: Elysium testnet integration implemented.
Backend: Payment and recipient account flows adapted for Elysium.
USDC: Selected as our testnet payment asset.
The goal stays the same.
Phone number → Send dollars → Recipient gets paid.
No seed phrases. No gas tokens to manage. No complicated setup.
We're now preparing full end-to-end payment testing.
Next: gasless phone-to-phone USDC transfers on Elysium.
Still building. More soon.
numpay.app
Building Numpay on Elysium: our first gasless transaction is already working on testnet.
We're bringing Numpay to Elysium, with one goal: make sending dollars as simple as sending a text. No seed phrases, no gas tokens to manage, and no complicated crypto transactions.
Here's what we've built so far:
- Our first gasless transaction succeeded. We tested a sponsored transaction on Elysium testnet (chain 99801), and it went through successfully. The user paid zero gas. The core gas sponsorship infrastructure is working.
- Pimlico now supports Elysium. Initially, we considered hosting our own smart-account infrastructure because bundler and paymaster support wasn't available. Pimlico has now deployed Kernel v3.3, the ECDSA validator, and paymasters. Its bundler and gas sponsorship services are responding on Elysium testnet.
- Same accounts, same addresses. Numpay uses Kernel v3.3 smart accounts. Their deterministic addresses match those on Base, allowing us to maintain the same account structure across both networks without rebuilding our wallet architecture.
- The frontend is ready for testing. We've added Elysium testnet configuration, integrated Pimlico for transaction submission and gas sponsorship, and configured Web3Auth for the new network. All changes are isolated from our production application.
- The backend has been adapted. Pre-created recipient accounts and the logic for transferring funds when someone signs up have been updated for Elysium. We've also added a smoke test to validate the gas-sponsored transaction flow.
- USDC will power payments. We're using USDC bridged from HyperEVM testnet as the dollar-denominated payment asset. The goal is to preserve Numpay's existing payment experience while moving the underlying transactions to Elysium.
- The user experience stays the same. Sign in with your phone number, enter the recipient's number, and send dollars. Behind the scenes, Web3Auth manages authentication, smart accounts handle transactions, and Pimlico sponsors gas fees.
- The integration is roughly halfway complete. The frontend and backend changes are implemented, and our first sponsored transaction works. The complete payment flow still needs end-to-end testing.
Next: full payment testing. We're preparing a separate testnet database, getting testnet USDC, configuring authentication, and testing the full flow from signing in to sending money and receiving it through a newly created account.
Preparing for mainnet. Before going live, we'll verify Pimlico's mainnet support, confirm the correct USDC contract, and test the complete payment process under production conditions.
We're not rebuilding Numpay for another chain. We're bringing the same simple payment experience to Elysium.
The first gasless transaction is working.
Next milestone: our first complete phone-to-phone USDC payment on Elysium testnet.
More soon.
🚀 Numpay is getting ready for Elysium.
The infrastructure behind our wallets is now deployed on Elysium testnet:
• ZeroDev Kernel v3.3 smart accounts
• EntryPoint v0.7
• Pimlico bundler & paymaster
• Same deterministic wallet addresses as Base
Same login model. No seed phrases.
Next up: our first gasless phone-number payment on Elysium.
building Numpay on Elysium. Here's what's actually running on testnet.
We went directly onchain to check the infrastructure instead of waiting for documentation.
Here's what we found on Elysium testnet (chain 99801) today:
-Elysium's infrastructure is taking shape. Elysium is an Arbitrum Orbit L2 settling to HyperEVM, with HYPE as its gas token. Gas is currently around 0.1 gwei. In our tests, a typical user operation used roughly 146K gas, costing around 0.0000147 HYPE. Including account deployment, the cost was around 0.00004 HYPE.
-All four EntryPoints are deployed. EntryPoint v0.6, v0.7, v0.8 and v0.9 are available on Elysium testnet. Numpay uses v0.7 for its account-abstraction transactions.
-ZeroDev Kernel smart accounts are ready. Kernel v3.1, Kernel v3.3, the ECDSA validator and the meta factory were deployed today through CREATE2 in roughly four minutes. They use the same deterministic addresses as on Base, so Numpay wallets should derive to the same smart-account address across both chains.
-Pimlico's bundler is responding. We tested Pimlico on chain 99801, and the bundler now responds with support for all four EntryPoints and live gas quotes. This gives us the infrastructure needed to submit account-abstraction user operations.
-Gas sponsorship infrastructure is deployed. Pimlico's verifying paymasters for v0.6, v0.7 and v0.8 are deployed and funded at the same addresses used on Base. The infrastructure is there; we still need to configure our sponsorship policy.
-USDC is available on Elysium. USDC is bridged from Circle's USDC on HyperEVM testnet through the canonical bridge and supports EIP-2612 permits. USDH is also bridged, though its testnet supply is currently much smaller.
-What this means for Numpay. Our payment flow uses Web3Auth for login, ZeroDev Kernel v3.3 smart accounts and sponsored user operations through EntryPoint v0.7. Every core infrastructure component now exists on Elysium testnet.
-No need to rebuild our wallet infrastructure. The remaining integration work is primarily chain configuration, Pimlico's bundler and paymaster endpoints, and the USDC contract address. The same wallet architecture can carry over from Base.
-What's left before launch? We still need to configure our gas sponsorship policy, add Elysium to our login flow, support pre-created wallets for new users and provide a way to bring USDC onto the chain.
The goal hasn't changed.
Send dollars to a phone number without worrying about gas tokens, seed phrases or complicated crypto transactions.
Elysium now has the infrastructure we need to work toward that experience.
Next milestone: our first gasless phone-to-phone dollar transfer on Elysium.
Numpay is building on Elysium.
Our mission has always been simple: sending dollars should be as easy as sending a text. Now we're bringing that to the Hyperliquid ecosystem.
Here's what Numpay on Elysium will look like:
Log in with just your phone number or email. No seed phrase, no wallet setup.
Send USDC to anyone using their phone number or email, even if they're not on Numpay yet. Their money waits safely and is theirs the moment they log in.
Zero gas for users. Payments on Elysium cost around 0.00002 HYPE, so we cover it. You never need to hold HYPE.
One wallet across chains. Your Numpay wallet on Elysium has the same address as your wallet on Base.
Your keys, always. Numpay never holds your funds or your keys.
Where we are: Done: Live on Base today Done: Elysium testnet mapped, with smart wallet infrastructure live and USDC bridged in In progress: Deploying our smart wallets on Elysium testnet Next: First gasless phone-number payment on Elysium
Big thanks to @Kinetiq_xyz for building a chain where payments this cheap are possible.
Try Numpay on Base today at app.numpay.app
Numpay is coming to Elysium: making sending dollars as easy as sending a text.
- Building on Elysium. We're building on @Kinetiq_xyz's Elysium testnet to bring phone-number payments to the Hyperliquid ecosystem. Send dollars to anyone with just their phone number or email. No seed phrases, no gas tokens, no crypto jargon.
- Already live on Base. Numpay works today at app.numpay.app: log in with your phone, send and request USDC, and pay people who aren't on Numpay yet. Their money waits in a wallet and is theirs the moment they log in.
- Gas on Elysium is tiny. We measured smart-wallet transactions on Elysium testnet at ~0.00002 HYPE each, and ~0.00004 HYPE when a new wallet is created. That's what lets us cover gas for every user, so nobody ever needs to hold HYPE.
- The building blocks are ready. The ERC-4337 EntryPoint (the standard smart wallets run on) is live on Elysium testnet, USDC is already bridged in from HyperEVM, and standard EVM tooling just works. Our stack ports over without a rewrite.
- One account across chains. Our smart wallets deploy to the same address on every chain, so your Numpay wallet on Elysium is the same address you already have on Base.
- Now with email too. Log in with your email, and send or request dollars to an email address, not just a phone number.
- What's next. Deploy our smart wallets on Elysium testnet, switch on gas sponsorship, then the first gasless payment to a phone number on Elysium. Demo coming soon.
You stay in control. Numpay never holds your keys. Your wallet is yours, and every payment is signed by you.
Our goal is simple: make sending dollars onchain as easy as sending a text, for people who never want to hear the word "crypto."
Numpay is live on Base. Elysium is next.
🌐 app.numpay.app
Hyperliquid solved perpetual futures for users without KYC.
Numpay is going to solve cross border payments for users without KYC.
Good to see YC acknowledging the neobank vision we're building at Numpay.
We believe the next wave of neobanks will make financial services accessible to everyone.
At Numpay, we're starting by making payments as simple as sending any currency to a phone number, X username, or Numtag anywhere in the world.
At @ycombinator, we're excited to fund more crypto startups solving financial needs including AI capital raising, stablecoins, trading, and agents.
Here's our latest crypto request for startups. Our next application deadline is Monday.
Around $190 trillion moved across borders in 2025. McKinsey & Company
That number is huge, but for the person actually trying to send money to someone in another country, the experience can still feel unnecessarily complicated.
Bank details, different payment rails, multiple steps, and waiting.
Numpay is built around a much simpler idea: you should be able to send money globally using something you already know, like a phone number.
A global payments market this big deserves a simpler way to move money.
FACT's vs NUMPAY.
Fact: Banks can charge up to 7% per transfer.
Numpay: Zero platform fees.
Fact: Traditional transfers can take 1–5 business days.
Numpay: Instant settlement.
Fact: International payments usually need bank details.
Numpay: Just a phone number.
Fact: Traditional payment rails involve multiple intermediaries.
Numpay: Non-custodial, smart-contract-based payments with no banking middlemen.
Fact: Most traditional financial services require identity verification.
Numpay: Numpay currently markets the product as “No KYC.”
Fact: Cross-border payments often come with country and currency restrictions.
Numpay: Built for borderless global payments.
Fact: Custodial services hold or control your funds.
Numpay: Users retain control of their wallets and assets.
One thing we keep noticing with cross-border commerce:
the product isn’t the only thing people pay for.
Taxes, duties, shipping, and payment fees can quickly add up.
With Numpay, sending money across borders is much simpler just use a phone number.
No complicated bank details, no traditional cross-border payment friction.
Moving money globally should feel as simple as sending a text.
Your client paid. It's been 3 days. Still pending.
Why should sending money across borders still take days?
With Numpay, we've made payments borderless.
Send any currency directly using just a phone number.
No bank delays. No unnecessary friction.
Do you know sending money across borders can cost people up to 7% in fees?
And that’s before the waiting, paperwork, and banking friction.
NumPay cuts through the complexity.
Just a phone number.
No borders.
Simple payments.
Cross-border payments shouldn’t feel like crossing a border.
Because we:
Won't cut 7% off your money.
Won't trap you in KYC hell to send $50
Won't take 3 days to land in someone's account.
Won't need messy bank details , just a phone number.
Banks are still building 24/7.
People already lost the weekend.
You should not wait for a ledger upgrade to pay someone.
Phone number. Approve. Done.
🚨JUST IN: IBM is helping banks connect to Swift’s blockchain-based ledger, allowing them to move tokenized deposits 24/7.
IBM’s Digital Asset Haven provides the tech layer, while Swift brings the global payments network used by 11,000+ financial institutions.
This comes as the CFTC says markets must prepare for "mass tokenization and 24/7 finance."
Building NumPay's Muse connector, end to end.
Here's exactly how it works, with a real example:
Ryan (New York) wants to pay Grace (Lagos) $50 for freelance design work.
1.CONNECT
One-time setup: Ryan opens Muse, finds NumPay, logs in, approves. Muse gets a scoped token, it can request a payment, nothing else. No shared passwords, no standing access to his funds.
2.REQUEST
Ryan tells Muse: "Send $50 to Grace for the design work, her number is +234 803 245 6789."
Muse turns that into a structured call:
POST /v1/payments/initiate
{
"recipient": "+234803245XXXX",
"amount": {"value": 50, "currency": "USD"}
}
3.APPROVE
Muse shows Ryan a card: "Send $50 (~₦69,000) to Grace via NumPay?"
[Approve] [Decline].
Only after he taps approve does the backend check his balance and validate Grace's number.
4.SETTLE
Funds move on-chain, confirmed in seconds:
{
"status": "success",
"amount_sent": 50,
"recipient_status": "new_wallet_created"
}
Grace gets an SMS: "You've received ₦69,000 from Ryan. Tap to claim or withdraw."
No forms.
No bank in the middle.
No multi-day wait.
Ask your agent. Money moves. That's the whole loop.
A new trend on Robinhood Chain:
tokens tied to real products, not memes.
robinhood:0xaa07a0e9209e16ac99708c3ec70159c6ef3128a3 turns trading fees into AI credits holders can actually use
robinhood:0x451b42a15100c340ca12f7c66de06fac5ea2d751 lets people borrow against stocks, crypto, and real-world assets
robinhood:0xab093def657f15df31b33922a95e047add645b29 buys back and burns its own token using real trading fees
Same idea across all of them:
the token's value comes from real usage, not hype.
$NUM is built the same way.
HOW THE $NUM FLYWHEEL WORKS 🔄
Every transaction on NumPay feeds back into the ecosystem.
As payment volume grows, NumPay earns revenue through FX spreads, routing, and other services.
Part of that revenue buys $NUM from the market and goes straight back to active users.
More Payments → More Revenue → Buy $NUM → Reward Users → More Payments
TENTATIVE $NUM REWARDS 🎁
Based on real usage, not just holding.
💰 $500+ single transaction → ~0.25% cashback
💰 $2,500+ monthly volume → ~0.5% cashback
💰 $10,000+ monthly volume → ~0.75% cashback
💰 $25,000+ monthly volume → ~1% + boosted rewards
💰 $100,000+ monthly volume → Custom VIP rewards
Extra ways to earn:
cross-border payments, referrals, monthly streaks, new NumPay corridors.
The key part:
rewards aren't endlessly emitted from a fixed pool. They're funded by real revenue NumPay generates.
Use NumPay → Generate Revenue → Revenue Buys $NUM → $NUM Goes Back to Users.
Building NumPay's Muse connector.
Part 4: settlement.
The transfer confirms on-chain in seconds no waiting days for a bank to clear it.
Muse tells you it's done. The recipient gets notified directly, with what they need to claim or withdraw instantly.
Connect to cash in hand
