Your number is your wallet

Send dollars or gift cards to anyone in your contacts. No seed phrases. No long addresses. No gas. Just a phone number and your face.

Try the betaHow it works ↓
Bilby, the BilbyPay mascot, waving hello

How it works

Pay like you text.

Bilby looking through contacts
01

Pick a contact

Everyone you know is already here. Their phone number is all you need.

02

Look at your phone

Face ID or your fingerprint confirms it. No passwords, nothing to write down.

03

It's there

Final in under a second, before they've even read your message.

Pay anyone

Not on BilbyPay? No problem.

Send to any number. The money waits safely for them and comes straight back to you if it's never claimed. Share the link anywhere you already chat.

Bilby receiving money
dinner was so good 🍜
my share! 👇
$24.50
You've got moneyTap to claim · BilbyPay

Gift cards

Gifts, delivered by text.

Pick a brand, add a note, send it to a phone number. They tap the link and open the card right inside BilbyPay, code and barcode included.

  • No email addresses
  • No copying codes around
  • They can choose the brand
Bilby holding a wrapped gift

Burrow

Spare money digs in.

Pick a number once. Anything above it tucks itself away into Burrow and earns. Pay more than your balance and BilbyPay quietly pulls the difference back out, in the same tap.

Bilby saving coins
Bilby running

Built on Monad

Fast enough to feel like nothing.

0.6suntil it's final
<1¢network cost, and we cover it
0crypto words you need to learn

Try the beta

Send your first $5.

Web app

Works in any browser, phone or laptop. Nothing to install.

Open BilbyPay

Android app

Test mode: your key stays on this phone. The quickest way to try it on Android.

Download APK

Android + passkeys

Passkey sign-in with your fingerprint or screen lock (Android 9+, Google Password Manager). Early beta.

Download passkey APK
  • Sign up with any phone number. The verification code is always 000000 (no SMS is sent).
  • New accounts start with $100 in test dollars, so you can send right away.
  • Installing an APK: allow installs from your browser when Android asks. The two APKs are the same app, so installing one replaces the other.

Beta software. Test money only.

BilbyPay is an early beta built for the Monad Metropolis hackathon. It runs on Monad testnet: every balance, payment and gift card is a test value with no real-world worth, and gift card codes are demos that can't be redeemed.

The smart contracts, server and apps have not been audited and may contain bugs. Don't send real funds, don't reuse real passwords or secrets, and expect accounts or data to be reset. Use at your own risk.