Numpay solves cross border transactions without KYC Send any currency anywhere in the world through a Phone Number,Email/X Tag Powered by @Enter_Elysium
Joined July 2025
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$Num is now live on @MontraXYZ .
CA: 0xE9C952CD198Ff412113a465D34Ff2C233F6F4ca1
Hyperliquid solved perps without KYC.
Numpay will solve cross border transactions without KYC
Numpay retweeted
DID I ACTUALLY WORK AT PAYPAL?
Yes. And today I'm answering every question the community has asked, one by one.
**PayPal and the team**
From 2021 to 2025 I was a Senior Telecommunications Expert at PayPal. That's where I saw firsthand how slow, expensive and restrictive cross-border payments still are. I left to fix that, and Numpay is the result.
**Is this a relaunch?**
No. We've been building for about a year across several chains, which is why Solana and Base still show up in the app. We took part in the Solana and Near hackathons, but we never launched a token before $NUM, and you can verify that on-chain. We moved our whole infrastructure to Elysium. That's a migration, not a relaunch.
**Why Elysium?**
Elysium has 100ms blocks and near-instant receipts. That's 10x faster than HyperEVM's small blocks and 600x faster than its big blocks. In payments, speed is the product. Elysium also settles to Hyperliquid, the powerhouse of finance.
**Why not Solana?**
We built there first. But fast-rotating capital makes it hard to find long-term holders and build in public. On Elysium we found a community that backs real utility.
**Why x402?**
It's part of our long-term vision. x402 is an open standard that lets apps and AI agents pay each other over the web, and we want Numpay ready for that future. Today the focus is simple: send any currency, anywhere in the world, to a phone number or email.
**What if I send money to someone who isn't on Numpay?**
They get a link to claim it. They sign up with that phone number or email and the money is theirs, with no bank forms and no crypto knowledge needed. Every transfer to a new person brings in a new user.
**What's up with the linked wallets?**
Because we'd been building for so long, Numpay had attention before launch. To stop any single buyer from taking enough supply to wreck the chart, we acquired part of the supply ourselves. We disclosed this on Telegram, and we're repeating it here.
**Which wallets are selling?**
We work with a market maker to support volume. That volume is a big part of why Numpay is trending on Elysium and getting organic traction. Some of the selling is the market maker doing its job of providing liquidity on both sides.
We're building in the open. Keep the questions coming.
Numpay is live.
And guess what? It's free.
For the first week, every transfer is on us, sponsored by the Numpay Foundation.
• Send money to any phone, email or X tag
• Farm Numpoints and rewards while it lasts
• Refer friends and earn more
The Numpay ecosystem is powered by @Enter_Elysium
Big thanks to the @MontraXYZ team for all the support.
Happy transacting.
app.numpay.app
Numpay 🤝 @BandProtocol
Numpay x Band: Band Price Feeds are now live on Elysium.
@Numpayapp built their entire cross-border pricing layer on BandChain's REST API. Real-time forex data, fetched directly from the oracle network, no on-chain call needed.
A thread 🧵
Cross-border payments made simpler, powered by @chainlink Data Feeds.
Enter an amount in your local currency → Get a live conversion rate → Send USDC to a phone number → Recipient gets paid.
No complicated wallet addresses. No seed phrases.
Numpay integrates Chainlink's decentralized price feeds to bring transparent, verifiable currency conversions into everyday payments.
Whether you're sending from India, Europe, or anywhere else, the goal is simple: make moving dollars across borders as easy as sending a text.
Built on Base & Elysium.
Currency conversion data powered by Chainlink.
Send money, not complexity.
numpay.app
Send any currency privately.
Our white paper explains how Numpay's Architecture works.
Read it at:
docs.numpay.app/architecture…
The number you text can also be the number you pay.
With NumPay, your registered phone number is linked to a deterministic smart wallet. This means your wallet address can be calculated even before it’s deployed onchain.
Sending crypto is simple:
• Enter the recipient’s phone number
• Choose an amount
• Confirm the payment
No wallet addresses to copy. No complicated steps.
Here’s how account abstraction works behind the scenes:
• Smart Wallet: Your approval authorizes a UserOperation instructing your smart account to transfer the tokens.
• Bundler: Submits the UserOperation to the EntryPoint contract, which triggers validation and execution through your smart account.
• Paymaster: Sponsors the gas fees, so you don’t need to hold native tokens for the transaction.
The result is a familiar payment experience, powered entirely by onchain infrastructure.
Simple on the surface. Powerful under the hood.
Full payment flow tested successfully on testnet!
We've completed an end-to-end USDC payment demo on @Kinetiq_xyz's Elysium.
Here's what works:
• Add Funds: Deposit USDC with automatic balance updates.
• Send Money: Transfer USDC using just an email.
• Receive: Send to anyone, even before they sign up.
• Request Money: Create and approve payment requests.
• Gasless Withdrawals: Send USDC to any Elysium address with zero HYPE required.
• Transaction History: Track payments onchain.
Powered by Web3Auth for authentication and Pimlico for gas sponsorship.
No seed phrases. No gas tokens to manage. Just simple dollar payments.
Numpay on Elysium: We just completed our first full end-to-end payment test.
From depositing USDC to sending, receiving, requesting, and withdrawing funds, the entire payment flow is now working on Elysium testnet.
We wanted to prove that Numpay could deliver the same simple payment experience on Elysium without users needing to understand the blockchain infrastructure underneath.
Here's what we tested:
Adding funds: We deposited USDC from an external wallet into Numpay. Once the transaction was confirmed on Elysium, the balance updated automatically.
Sending money using an email: We sent USDC directly to an email address without needing the recipient's wallet address. The payment was processed successfully and appeared in transaction history.
Payments to people who haven't signed up: This is one of the most important parts of Numpay. We sent USDC to someone who didn't have an account yet. They signed up using their email and OTP, and the payment appeared in their account.
Requesting money: The recipient created a payment request, entered the amount, and added a message. We switched back to the sender's account, reviewed the request, approved it, and completed the payment.
Gasless withdrawals: We withdrew 0.55 USDC to an external Elysium address. The user didn't need HYPE to cover gas. Numpay sponsored the network fee through Pimlico.
Onchain verification: We opened the Elysium explorer and confirmed the withdrawal transaction. Transaction history also provides explorer links for tracking payments.
What's happening behind the scenes:
-vWeb3Auth handles phone and email authentication.
- Kernel v3.3 smart accounts manage onchain transactions.
- Pimlico provides the bundler and paymaster infrastructure for gas sponsorship.
- USDC moves on Elysium testnet, with transactions verifiable onchain.
The important part is that users don't have to interact with any of this infrastructure.
They can log in using an email or phone number, send money to someone who hasn't joined yet, request payments, and withdraw funds.
No seed phrases. No HYPE required. No complicated crypto setup.
This is the experience we're building toward: sending dollars should feel as simple as sending a text.
Full payment flow tested successfully on testnet.
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.
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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.
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🚀 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.
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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.
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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.
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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.
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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.
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