MiniPay

MiniPay MiniPay is a Celo-based stablecoin wallet for real-life payments. Create virtual USD/EUR accounts via ACH and SEPA, auto-convert to USDT/USDC/cUSD, then spend or withdraw in local currency.

MiniPay

Opera’s Celo-based MiniPay wallet has introduced a new capability in partnership with Noah, a payments infrastructure provider. The update makes it possible to send stablecoin payments from global payment systems into local payment rails in a smoother, more accessible way.

The goal is to reduce the confusing, hard-to-use experience many people face with stablecoins. MiniPay uses a fully non-custodial approach, connecting global banking channels with local payment options—without taking custody of your funds.

What’s coming next for MiniPay users: You’ll soon be able to open virtual USD and EUR accounts. Payments can be received via ACH (Automated Clearing House) and SEPA (Single Euro Payments Area). After funds arrive, MiniPay will automatically convert them into stablecoins such as USDT, USDC, or cUSD inside the wallet.

From there, you can use the stablecoins directly for spending or withdraw them back into local currencies—all within the same app—so you keep full control while transacting globally, with no intermediaries.

About

MiniPay is a stablecoin wallet for everyday life. Send, receive, and spend in seconds—with no hidden fees.

Built on the Celo blockchain, MiniPay is designed to feel simple—fast setup, easy navigation, and no complicated configuration. Get started in seconds, the way you’d expect from a modern app.

Whether you’re paying bills, sending money across borders, or buying airtime, MiniPay helps make digital money practical and accessible for people anywhere.

Features

• Easy onboarding: No seed phrases and no crypto jargon. Sign up with a Google or iCloud account plus your phone number.



• Fast, low-fee transfers: Send stablecoins valued in dollars (for example, USDT) worldwide in under two seconds for less than $0.01.
• Free stablecoin swaps: Use the Pockets feature (built in partnership with Mento Labs) to swap between supported stablecoins at no extra cost.



• Optimized for micro-transactions: Made for small peer-to-peer payments, starting from $0.10.
• Built for real-world use: Pay bills (in selected countries), top up mobile data, buy global eSIMs, shop, and donate through MiniPay’s integrated Mini Apps ecosystem.
• Global on/off ramps: Move between stablecoins and local currencies starting from $1 through a broad partner network, including Ramp, Transak, Binance, Unlimit, Yellow Card, Partna, Banxa, Fonbnk, Cashramp, and more.
• Local payment methods: Supports options such as bank transfers, mobile money, and voucher-based systems—so you can interact with your digital dollars in ways that feel familiar.

Highlights

• Instant Transfers: Send money to anyone worldwide in seconds—rather than waiting days.
• Localized Cash-in / Cash-out: Send and withdraw into 30+ local currencies and use local payment methods like Google Pay, card, bank transfer, and mobile money through selected partners. Note: Fiat conversions are handled by partners; coverage and limitations may vary.
• Security you control: You hold your keys and control your funds—every time.
• Everyday usability: Pay local bills in Kenya, Ghana, Nigeria, South Africa, Malawi, Tanzania, and more from abroad using one of the integrated partners.
• Spend stablecoins: Purchase Amazon, iTunes, and Steam gift cards, buy eSIMs, and top up airtime and data.

Notes

• MiniPay is a non-custodial wallet that supports stablecoins on the CELO blockchain and is offered by Blueboard Limited.
• We do not provide investment or financial advice of any kind.
• We do not provide exchange services or any services related to buying or selling assets.
• Buying or selling crypto assets is handled by third parties under their own terms.



• If you use a third-party service to acquire crypto assets, be aware that investing in crypto—and any investment or lending tied to crypto—carries substantial risk. You may lose your entire investment.
• Consider whether trading and owning crypto assets is appropriate for your financial situation.