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Payments, made simple

Pay, earn, invest, borrow, and split with stablecoins.Accept instant payments with MardiPay Checkout.Fast, simple, and self-custodial.

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The MardiPay Architecture: Stripe API + UPI Checkout
Solana Devnet · USDC Settlement
Stripe for Developers
POST /payment_intents

// 1-line integration

const intent = await mardipay.create({

amount: 20.00,

currency: "USDC",

description: "MardiPay Hoodie"

});

Instant WebhooksNon-custodial payout
UPI for Everyday Users
~400ms Finality
Payment identifier:919876543210@sol
Approval method:Phone Push or QR Scan
Gas & Network Toll:< $0.001 (Zero FX)
No 44-char public keysZero credit card fraud
Pay

Send money by
phone number.

Send standard transfers or shield your identity with Private Cash. Zero-knowledge privacy powered directly on Solana in ~400ms.

Search contacts by phone number
91626****808-1@sol
Kaash 25
Kaash 25
91626****808-1@sol
Kenji Sato
Kenji Sato
8190****456-1@sol
Min-jun Kim
Min-jun Kim
8210****392-1@sol
Recent

Enter Phone or Wallet Address

Enter any phone number, MardiPay ID, or paste a Solana wallet address the traditional way. Verified tags and starred favorites make sending as simple as a text or standard on-chain transfer.

Enter transfer amount
Kaash 25
Sending toKaash 25
Amount
$100.00
$CASH
$CASH
≈ 100.00 USD
Private Cash

Enter Amount & Privacy

Enter any amount in $CASH or your preferred stablecoin. Tap Private send to shield your wallet address and transfer Private Cash completely anonymously using zero-knowledge proofs on Solana.

Instant settlement confirmation
Kaash 25
Sent toKaash 25
$CASH
-100.0027 Sep, 1:03 PM
Sender Identity Hidden (Shielded)
Settlement 410ms (Finalized)

Instant Settlement

Funds land and settle irrevocably in ~400ms on Solana. Your sending address remains completely hidden while the recipient receives spendable Private Cash.

Or Get Paid

Point, scan, and receive in under a second.

Send onlySolanaSolana tokens
via Solana Network
SOL ID91626****808-1@sol
Solana Address7xKP4b****9mXy
Request

Ask for money.
Without the awkwardness.

Payment Request Background
Liam Vance
Liam Vance
1415****829-1@sol
Kaash 25requested fromLiam
Pending
$120.00
CADDCADD
Message"Dinner at Nobu share 🍣"
Available: 480.00 CADDExpires in 30 mins
Invest

Trade 1,500+ US equities. 24/7/365 on Solana.

Start trading
MardiPay Invest Screenshot
SPCX
SPCX
USDY
USDY
TSLA
TSLA
MU
MU
NVDAon
NVDAon
GOOGL
GOOGL
HOOD
HOOD
OUSG
OUSG
MSFT
MSFT
SPCX
SPCX
USDY
USDY
TSLA
TSLA
MU
MU
NVDAon
NVDAon
GOOGL
GOOGL
HOOD
HOOD
OUSG
OUSG
MSFT
MSFT
AMZN
AMZN
AAPLon
AAPLon
MSTR
MSTR
META
META
ONDO
ONDO
INTC
INTC
COIN
COIN
TSLAon
TSLAon
TTWO
TTWO
AMZN
AMZN
AAPLon
AAPLon
MSTR
MSTR
META
META
ONDO
ONDO
INTC
INTC
COIN
COIN
TSLAon
TSLAon
TTWO
TTWO
Earn

Make your money work.

Put your idle dollars to work. Up to 12% APY.

Earn Yield on Solana
USD* Junior
USD* Junior
$1.60M TVL
14.05%+ APY
Staked USDai: sUSDai
Staked USDai: sUSDai
$290.8M TVL
12.0%+ APY
USD* Protected
USD* Protected
$300.0K TVL
5.00%+ APY
mSOL
mSOL
$1.02B TVL
4.8%+ APY
JitoSOL
JitoSOL
$2.18B TVL
4.8%+ APY
Ondo USDY
Ondo USDY
$2.17B TVL
3.6%+ APY
Solstice USX
Solstice USX
$220.2M TVL
3.4%+ APY
Split Bills

Split expenses with friends. Settled in seconds.

Dinners, group trips, and shared rent. Add friends by phone number or SOL ID, split equally or custom, and settle instantly in digital dollars with zero awkward math.

Create split and add friends
Dinner at NobuDining & Drinks
Split 4 ways • $60.00 CASH each
$240.00
Search by SOL ID or Name
Suggested Friends3 of 4 in split
Kaash 25
Kaash 25
91626****808-1@sol
Kenji Sato
Kenji Sato
8190****456-1@sol
Min-jun Kim
Min-jun Kim
8210****392-1@sol
Recent

Split in Any Stablecoin

Add friends by phone number or SOL ID and split expenses equally or with custom amounts. Choose between $CASH, USDC, PYUSD, or yield-earning USDY with zero awkward math.

Track split expenses and instant settlement
Dinner at Nobu75% Settled
$240.00
CASHCASH
3 of 4 Paid
You (Host)
You (Host)Host
Paid $240.00
$60.00You Paid
Kenji Sato
Kenji Sato
8190****456-1@sol
$60.00Settled
Kaash 25
Kaash 25
91626****808-1@sol
$60.00Settled
Min-jun Kim
Min-jun Kim
8210****392-1@sol
$60.00Pending

Live Tracking & 1-Tap Settle

Keep complete transparency on who paid, who settled, and who is pending. Friends can settle their share in one tap, and funds deposit directly into your smart wallet.

Frequently Asked Questions

What is MardiPay?

A self-custodial smart wallet that turns your phone number into a global account on Solana. Send digital dollars in ~400ms, split bills, earn daily yield, and trade tokenized stocks using biometric passkeys.

How do I send money?

Enter the recipient's phone number with country code (e.g., 1 for US, 91 for India) or scan their QR code. Funds settle directly to their account in under a second with zero address hassle or bank delays.

Are there any fees to pay?

Transfers settle in ~400ms with network fees under $0.001. No foreign exchange markups, no monthly fees, and no hidden wire charges.

How do tokenized stocks and private equities work?

Access 24/7 fractional trading for top US equities and private markets like SpaceX and Apple starting from $1.00. Every tokenized share is backed 1:1 in regulated custody.

How does automated yield work and can I withdraw anytime?

Yield is generated from tokenized US Treasuries, stablecoin vaults, and staking protocols. Most vaults have zero lockup with instant withdrawals, while select high-yield tranches feature short cooldown periods.

What is Private Send and Private Cash?

Private Send uses zero-knowledge shields on Solana. Your sender address stays hidden from recipients and public block explorers, while funds settle directly in ~400ms.

What happens if I send funds to someone who hasn't joined yet?

Invite them to claim their smart account via phone number in seconds. Alternatively, you can always send funds directly to their standard Solana wallet address.

Can merchants and developers integrate MardiPay?

Accept instant USDC payments with zero chargebacks via our hosted checkout or Payment Intents API, featuring Solana Pay QR codes, push approvals, and real-time webhooks.

Stay in the loop.

X

Follow @MardiPaydotin for updates.

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Comprehensive guides, TypeScript SDKs, and payment gateway APIs to integrate Solana checkout seamlessly.

Your money.
One wallet.

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