What is MozaikPay?
What MozaikPay does, where it works, and where to start.
MozaikPay is a payment app for digital dollars: money that keeps its value in US dollars and moves to anyone, instantly and for free.
Digital dollars are US dollars in digital form. Behind the scenes they're a currency called USDC, where one unit is always worth approximately one dollar, but in the app you just see dollars. You add money from your bank or a local payment app, it becomes digital dollars in your wallet, and from there you can hold it, send it, or cash it back out to your local currency whenever you want. The full story is in What are digital dollars?
What people use it for
Keeping savings in dollars. Your money stays strong in digital dollars, even when your local currency loses value. No more watching your savings shrink overnight.
Paying people, not account numbers. You send money to a username, or share a payment link that anyone can claim, even someone who isn't on MozaikPay yet. Transfers between users are instant and free, whether the other person is next door or on another continent.
Moving between digital dollars and local money. You add money and cash out through licensed local partners, built right into the app. Any fees are shown upfront, before you confirm, not after. We try to keep fees minimum.
Your money is truly yours
MozaikPay is a self-custodial wallet: you, and only you, control your funds. MozaikPay never holds your money or your keys. Your wallet is protected by your PIN/biometrics, and your recovery key means a lost phone is not a lost balance. Is my money safe? explains how that protection works. New to wallets? What is a cryptocurrency wallet? covers the basics.
Where it works
Sending and receiving digital dollars works anywhere. Adding money and cashing out runs through local partners, available today in Argentina, Chile, and Colombia, and we're always adding more. The current list is in Supported countries & currencies.
Crypto deposits and withdrawals work everywhere: anyone can receive a crypto (USDC) deposit or withdraw USDC to a crypto address on Base, from any country.