Choose an amount and method
Card, PayPal or bank transfer — the ones you already use.
YaysPay for people
Pay anyone, right inside the chat.
Open a conversation in YaysApp, tap Pay, and send USDXX digital dollars. Your money shows up as dollars, names and receipts — the blockchain stays out of your way.
Simple Mode
A balance in dollars. Nothing to configure.
Register with an email or phone, verify your identity once, and you're ready. YaysPay manages the wallet, gas and multi-chain routing behind the scenes so an ordinary payment never asks you to pick a network.
- No seed phrase to write down or lose
- No gas token to buy
- Instant YaysApp-to-YaysApp transfers, free
- Switch on an On-Chain Account any time under Advanced
USDXX balance
Simple Mode$1,250.00
Pay
Request
Scan
Add
Add money
Buy USDXX with the methods you already use.
Top up your balance with a debit or credit card, PayPal, or a bank transfer. The partner bank confirms the payment has cleared, the authorized issuer mints the matching USDXX, and it lands in your balance as dollars — ready to send, hold, or redeem back to your bank later.
- Card and PayPal are near-instant
- Bank transfer (ACH) is lowest cost for larger amounts
- Every dollar you add backs your USDXX one-to-one
Add money
Buy USDXX$200.00
Visa •••• 4242Instant
PayPalInstant
Bank transfer (ACH)1–2 days
Bank confirms cleared funds → issuer mints → $200.00 USDXX in your balance
Getting started
From card to spendable USDXX in four steps.
We confirm the payment
The partner bank verifies cleared funds before anything is issued.
USDXX is issued to your balance
The authorized issuer mints the matching amount, shown to you as dollars.
Send, hold or redeem
Pay in chat, scan a QR, keep a balance, or redeem back to your bank later.
Debit or credit card
Visa and Mastercard, through a PCI-compliant processor. Near-instant.
PayPal
Approve in the PayPal flow and return to YaysPay. Near-instant.
Bank transfer (ACH)
Lowest cost for larger amounts. Clears in one to two business days.
Zelle
Manual, off-platform transfer to a saved contact for regions without direct support.
Protected Payment
For anything bigger than lunch.
Buying from someone new? Choose Protected Payment and your USDXX is held in a Trust Envelope until the item is delivered or the work is approved. If it goes wrong, you're refunded in USDXX — no chargeback paperwork.
- Great for marketplace buys, deposits and freelancers
- Release on delivery, approval or a timer
- Dispute before release for a clean refund
Settled in USDXX
$240.00
to Nordic Bench Co.
- Completed
- 3:42 PM
- Transaction ID
- YP-824731
- Type
- Protected Payment
- Network fee shown
- None
View technical details ▸
Bitcoin YAY
Earn BTCY as you use YaysPay.
Bitcoin YAY is the ecosystem reward token — earned through referrals, merchant promotions, loyalty and fee rebates. Want to spend it? Convert BTCY to USDXX through Indexx Exchange at a disclosed rate, then pay. The merchant only ever sees stable value.
- Referral and loyalty rewards
- Merchant promotions and discounts
- Transaction-fee rebates
Bitcoin YAY rewards
BTCY1,204 BTCY
Referral bonus+120
Merchant promo · Blue Fig+40
Fee rebate+18
Rewards fund from merchant budgets and transaction revenue — never from unsupported USDXX.
Safety first
For non-crypto users, safety matters more than blockchain visibility.
YaysPay is built so a mistake is hard to make and easy to recover from.
Verified recipient names before you send
Confirmation on every first-time payment
Warnings when a payment looks unusual
Daily and per-transaction limits you control
Passkey / biometric confirmation, not just SMS codes
Temporary account lock and a clear recovery path
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.