About Us

Real-time money infrastructure for everyone, and the company behind it.

What is Payflip?

Payflip is a mobile app that makes sending money as simple as sending a message. Users sign in with an email, Google, or Apple account and can immediately pay anyone by email, @username, or wallet address using stablecoins (USDC and USDT). Transfers settle in seconds, 24/7, across borders, with every fee shown up front.

Under the hood, Payflip runs on public blockchain networks (Ethereum, Polygon, BNB Chain, and Solana), but users never deal with seed phrases, gas tokens, or network selection. Each account is an embedded smart wallet set up automatically by our authentication partner, Privy, when a user first signs in. Payflip coordinates routing and sponsors network fees; it never takes custody of user funds or wallet keys.

Our Mission

Moving money should be instant, global, and predictable for everyone, not just for banks and large institutions. We're building the payments experience people already expect from the internet: one balance, zero complexity, and real-time settlement anywhere in the world.

What We Do

Instant stablecoin payments

Send and receive USDC and USDT in real time using just an email, a @username, or a wallet address. No settlement windows, no banking hours.

Multi-chain, zero complexity

Payflip works across Ethereum, Polygon, BNB Chain, and Solana. Routing, bridging, and network fees are handled in the background so users never think about chains.

Non-custodial by design

Every user gets an embedded smart wallet. Signing keys are generated and secured by our wallet partner, Privy, in an isolated secure environment. Payflip never holds the keys and cannot move, freeze, or access user funds.

Transparent fees

A flat platform fee and any routing fee are shown up front before every transfer. Gas is sponsored for eligible transactions, so users don't need to hold native tokens.

What We Are Not

Clarity matters in financial services, so we're explicit about the boundaries of our product:

  • We are not a bank and we do not take deposits. Payflip does not hold customer funds. All balances live in wallets controlled solely by the user.
  • We are non-custodial. Wallet signing keys are generated and secured by our wallet infrastructure partner, Privy, in an isolated secure environment tied to the user's login. Keys are never sent to Payflip's servers, and Payflip cannot move, freeze, or access user funds.
  • Fiat purchases are handled by licensed partners. When users top up their balance with a card, the purchase is processed by MoonPay, a third-party provider that performs its own identity verification (KYC) and payment processing. Payflip never receives card details or fiat funds.
  • We do not offer investment products. Payflip supports payments in stablecoins; we do not provide trading, lending, yield, or investment advice.

Company Information

Payflip is owned and operated by Flip Labs Global LLC, a limited liability company registered in Delaware, United States.

Legal entity name
Flip Labs Global LLC
Brand / product name
Payflip
EIN (Employer Identification Number)
98-1953744
Registered address
16192 Coastal Highway, Lewes, DE 19958, County of Sussex, United States
Jurisdiction of formation
Delaware, United States
Management
Rishabh Sharma, Founder & Sole Member
Website
https://payflip.xyz
Contact
support@payflip.xyz

Leadership

Rishabh Sharma

Founder & Sole Member

Rishabh founded Payflip to close the gap between how fast the internet moves and how slowly money does. He leads the company's product and engineering efforts, building payment infrastructure that treats instant, global settlement as the default rather than the exception.

Get in Touch

Security reports

security@payflip.xyz

Documentation

docs.payflip.xyz

Policies & Trust

Learn more about how we operate: Privacy Policy, Terms of Service, Security & Trust, and Support.