YaysPay
The payment network built into your conversations

Chat. Pay. Settle.

YaysPay makes USDXX digital dollars as easy as sending a message. Pay a friend in chat, scan a merchant QR, or protect a supplier payment until it's delivered. No wallet address. No gas. No crypto experience required.

Instant
YaysApp-to-YaysApp transfers
1:1
Reserve-backed USDXX
24h
On-chain proof of reserves
NB

Nordic Bench Co.

Verified merchant

Hi! Here's the invoice for your 2 oak chairs.
+Message Nordic Bench Co.

One account across the Indexx ecosystem

IndexxUSDXXYaysAppIndexx ExchangeBitcoin YAYIndexx PaymentsLYNXXShopperPalIndexxUSDXXYaysAppIndexx ExchangeBitcoin YAYIndexx PaymentsLYNXXShopperPal

How it works

From conversation to settled payment in three moves.

YaysPay follows a mental model people already have — WeChat has WeChat Pay, YaysApp has YaysPay. The money is USDXX. The experience is a chat.

01

Chat

Start a conversation in YaysApp with a friend, a merchant or a supplier — the same place you already talk.

02

Pay

Tap Pay, enter an amount, review the verified recipient name and confirm with a passkey or biometrics.

03

Settle

USDXX moves on an instant internal ledger, reconciled to on-chain custody every day. Everyone gets a receipt.

Simple Mode

You see dollars.
We handle the blockchain.

Making USDXX usable without MetaMask, seed phrases or gas could be its strongest advantage. Simple Mode is the default — the crypto machinery lives under an optional Advanced section for the people who want it.

On-Chain Account is one toggle away: individual smart wallet, network selection, external DeFi access and self-custody — for experienced users, without changing anything for everyone else.

What you see

  • A balance in dollars
  • Recipient names and photos
  • Pay · Request · Receive · Add money
  • Merchant QR codes
  • Plain-language receipts

What you never touch

  • Seed phrases
  • Gas fees or network names
  • Token contract addresses
  • Block confirmations or bridges
  • Which chain a payment used

What makes it YaysPay

Convenient like Alipay. Provable underneath.

Alipay made payment convenient. YaysPay makes digital-dollar payment convenient and provable — every transaction can be chatted, invoiced, paid, protected and proven in one place.

Chat to Pay

Create a payment request inside a conversation. It carries the recipient, purpose, amount and settlement terms — pay without leaving the thread.

Scam Guard

Before you confirm: newly created accounts, address-poisoning, duplicate invoices, changed supplier details and risky links — all flagged.

Protected Payment

Hold funds until goods ship or a milestone is met.

Trust Envelope

Payments carry encrypted proof — verified business status, purchase order, approval, shipment, delivery — without exposing commercial details to the public.

AI Invoice to Payment

Photograph an invoice; AI extracts merchant, amount, due date and terms, then drafts the request. AI reads documents — never customer money.

Temporary Proof

Share a receipt through a link that expires after 72 hours. The record is kept; only the access ends.

Convert & Pay

Convert BTCY, BTC or USDT to USDXX through Indexx Exchange at a disclosed rate, then pay. Merchants get stable value.

Two account types

Simple Account for everyone, On-Chain Account for experienced users — same app, one toggle.

Protected Payment

Money that waits until the deal is done.

For anything bigger than lunch, choose Protected Payment. USDXX is held in a Trust Envelope and only released when goods ship, delivery is confirmed, work is approved or a milestone is met.

  1. 1

    Buyer pays

    USDXX leaves the balance

  2. 2

    Trust Envelope

    Funds held, not released

  3. 3

    Seller ships

    Tracking attached as proof

  4. 4

    Delivery confirmed

    Buyer approves or timer expires

  5. 5

    Released

    Seller receives USDXX

Dispute before release and the buyer is refunded in USDXX — no chargeback paperwork.
Online shopping
Supplier & wholesale payments
Freelance and milestone work
International trade
Deposits and pre-orders

The Indexx ecosystem

One payment brand. A whole ecosystem behind it.

Customers see YaysPay. Institutions see Indexx Payments infrastructure. Same rails, one memorable name.

Indexx

Parent company

Ownership, strategy, capital allocation and ecosystem governance.

LYNXX / USDXX issuer

Digital dollar

USDXX issuance, redemption, one-to-one reserves and mint/burn control.

Indexx Exchange

Conversion engine

Converts BTCY, BTC, USDT and other assets into and out of USDXX at disclosed rates.

YaysApp

Communication

Chat, identity, communities and merchants — the front door customers already use.

YaysPay

Payment experience

Send, receive, scan, invoice, pay, protect and settle with USDXX.

Indexx Payments

Infrastructure

Payment APIs, merchant acquiring, blockchain routing, the internal ledger and settlement.

Bitcoin YAY / BTCY

Rewards token

Mining, loyalty, referrals and merchant promotions — kept separate from the USDXX reserve.

Communicate through YaysApp. Pay through YaysPay. Settle with USDXX. Convert through Indexx Exchange. Powered by Indexx.

Pricing

Free between people. Fair for business.

A starting model, to be finalised once banking, compliance, blockchain and liquidity costs are confirmed. Rewards come from merchant marketing budgets and transaction revenue — never from creating unsupported USDXX.

YaysApp-to-YaysApp transfer

Free

Person to person, instant

Merchant payment

Competitive fee

Per successful transaction

Protected settlement

+ service fee

Escrow, milestones, delivery release

Fiat redemption

Disclosed fee

USDXX back to your bank

Cross-border conversion

FX spread

Disclosed at time of conversion

Merchant API & treasury tools

Subscription

Usage-based or monthly

See business features and settlement options

Questions

The things people ask first.

No. YaysPay is a payment experience. Banking services are provided by regulated banking partners, USDXX is issued by an authorized issuer, and a qualified custodian safeguards digital assets. YaysPay does not claim to be an FDIC-insured bank and USDXX itself is not legal tender.

Send digital dollars as easily as sending a message.

Join the early-access list for YaysPay. We'll start with a closed pilot — verified accounts, real USDXX, one blockchain, limited amounts.

Get early access Try the demo first