>2 billion
~1.4 billion
1 in 4 people
$500 billion
Unbanked means:
No way to earn online
Micro-savings go unused
No shield against poverty
Wealth gaps grow wider
But they
Pay: instantly, worldwide
Send and request: USD, EUR, CHF, BTC,…
Save: in Bitcoin
Lend: straight from your phone
Get: virtual debit card, IBAN
AI Agent: Assistance in +140 languages
Leading Technology Powers paid24/7
Each technology is handpicked to deliver borderless money to everyone, everywhere.

Telegram Mini App
1B+ users. 140+ countries.
Messaging meets money.

TON Blockchain
⚡ Fast. Scalable. Peer-to-peer.
Built for billions.

Fiat24
🏦 Swiss IBANs in Telegram
Neo-banking inside chat.

Mastercard
🏦 Virtual Debit Cards for USDT.
Pay as you go.

Factorial
🏦 Lend and Borrow
Banking in Telegram

USDT by Tether
400M+ users.
The world’s leading stablecoin.

WDK by Tether
Voice-to-wallet AI.
Just say it.

Lightning Network
⚡ Instant Bitcoin investing.
Fast. Low-cost. Global.
LayerZero
🌐 Stablecoin interoperability.
Pay across chains.

ICP by Dfinity
🛡️ Censorship-proof backend
Run forever.
Finance, Web3 and Bitcoin Veterans Are Building Paid24/7
Backed by decades of combined experience in fintech, Web3, and global Telegram payments.
Swiss Paytech AG gives digital shares to subscribers of paid24/7