MozaikPay

When your salary arrives, the clock starts. MozaikPay lets you move that money into digital dollars in minutes, from your bank or a local payment app, and keep it there for as long as you want. Your balance is held as stablecoins on Base, in a wallet only you control, so it keeps its value in dollars rather than local currency. There's no crypto exchange, no seed phrases to copy by hand, and nothing to learn about blockchains. You add money, it becomes digital dollars, and it stays that way until you decide otherwise.

Sending money in MozaikPay works like messaging someone. You pick a username, type an amount, and confirm with your PIN or biometrics. The transfer settles on Base in seconds, costs nothing, and works the same whether the other person is next door or on another continent. We sponsor the gas for every transfer, so users never hold ETH or think about network fees. Each account is a smart contract wallet, which is what lets us keep self-custody and still make it feel like a normal payments app.

Not everyone you want to pay is on MozaikPay yet. A payment link puts digital dollars into an onchain escrow that anyone with the link can claim, and if nobody does before it expires, the money comes back to you. Share it over WhatsApp or send it to a friend abroad. The recipient installs the app, picks a username, and the money is theirs.

Local deposits and cash-outs run through licensed partners inside the app in Argentina, Chile, and Colombia. You add money by bank transfer or a local payment app and it lands as stablecoins in your wallet. When you need local currency again, you cash out to a bank account in your own name in your local currency. The exchange rate and any fees are shown upfront before you confirm. Identity verification happens up front, and after that moving in and out of digital dollars is a few taps.

Your wallet lives on Base but your money can come from other places. You can deposit digital dollars from Ethereum, Arc, Arbitrum, Polygon, and Solana to your own deposit address and withdraw to Ethereum, Arbitrum, Polygon, Solana, Avalanche, OP Mainnet, and Linea. Every cross-chain transfer moves over a burn-and-mint protocol, so there's no bridge pool and no company holding your funds along the way - what arrives is always native to the network.

Millions of people in South America have family abroad who send money back every month and lose a painful slice of it to fees and exchange spreads. With MozaikPay, the person abroad funds a wallet with digital dollars and sends the money to a username at home, instantly and for free. The family keeps it in dollars for as long as they want and cashes out to fiat through a local partner when they need to at a rate they see before they confirm. Digital dollars arrive, and nobody has to learn what a blockchain is along the way.