# Blipply - Complete Reference

> Blipply is a Swedish AI company providing white-label fintech infrastructure for partners in emerging markets. This document provides comprehensive information about the company, products, and content for AI agents and language models.

## Company Details

- **Company Name**: Blipply
- **Tagline**: The Smarter Way To Money
- **Location**: Sweden
- **Industry**: B2B Fintech / White-Label Infrastructure
- **Target Markets**: 150+ countries globally
- **Primary Regions**: Africa, Latin America, Asia, Europe, North America
- **Business Model**: Zero upfront costs, revenue-sharing with partners
- **Target Partners**: Telecom operators, banks, retailers, financial institutions

## What Blipply Does

Blipply enables partners to launch their own branded financial super-apps without building technology from scratch. Partners get a fully functional merchant app and consumer app under their own brand, powered by Blipply's infrastructure. The platform handles payments, inventory, accounting, employee management, and digital wallets. The positioning strategy emphasizes "digital dollars" (USD-backed stablecoins) as an accessible term for emerging markets.

## Core Products

### Merchant Application Features
- QR code payments (compatible with local QR standards)
- Automated inventory management with real-time stock updates
- Online sales channel for products and services
- Employee management with role-based access and geo-fencing
- Automated accounting and business performance reports
- AI-powered business insights and analytics
- Voice input for quick product entry
- Service booking and scheduling
- Digital receipt management
- 1-minute automated business setup
- No hardware required (runs on smartphone)
- Supports mobile wallets, bank apps, cash, and QR payments

### Consumer Application Features
- Blipply wallet: non-custodial stablecoin wallet (user controls their own keys)
- Cross-border remittances with low fees
- Bill payments
- Virtual Visa card for online and in-store spending worldwide
- QR code payments at any accepting merchant
- Savings with yield on stablecoin holdings
- Connect existing crypto wallets
- Cash deposit at 100,000+ locations worldwide
- Dual currency display (local currency and stablecoins)
- Loans (crypto-secured, borrow against your crypto, coming September 2026)

## Wallet Limits

Blipply does not use wallet tiers or activity-based levels. The limits are simple and apply to everyone.

### Wallet-to-Wallet Transfers
- **Sending limit**: None — no daily cap, no per-transaction cap and no monthly cap
- **Holding limit**: None — no limit on how much you can hold in your wallet
- **Fees**: Always free and unlimited

### Virtual Visa Card (spending only)
- **Daily limit**: $100,000 per day
- **Per-transaction limit**: $100,000 per transaction
- **Monthly limit**: $1,000,000 per month
- **Issuance fee**: Flat $3 (drops to $1 if you joined with a referral code and activate the card within 14 days of signing up)
- **Monthly fee**: None while the card is active
- **ATM withdrawals**: Small fee; ID verification fees may apply for some on/off ramp transactions

These card limits apply to Visa card spending only, not to wallet-to-wallet transfers, which are unlimited.

**Note:** All dollar amounts ($) refer to USDC stablecoins, pegged 1:1 to the US dollar.

## Virtual Visa Card

### Overview
The Blipply Visa Card is a virtual card linked to the user's digital dollar (stablecoin) balance, enabling spending anywhere Visa is accepted worldwide.

### Features
- Virtual card issued instantly upon qualifying
- Works with Apple Pay or Google Pay for tap-to-pay
- Accepted wherever Visa is accepted worldwide
- Online purchases in any currency
- Cash withdrawal at ATMs globally
- Spend stablecoin funds like traditional money with no currency conversion delays

### Requirements
- Available to all users (no wallet tier or activity requirement)
- KYC verification completed

### How It Works
1. **Sign Up**: Create your Blipply wallet (no tier or activity requirement)
2. **Complete KYC**: Scan passport with NFC chip (ICAO Doc 9303, ISO/IEC 14443) or national ID card (ICAO Doc 9303 Part 5)
3. **Get Your Virtual Card**: Card is issued instantly, add to Apple Pay or Google Pay
4. **Start Spending**: Tap to pay in stores, shop online, or use anywhere Visa is accepted worldwide

### Acceptance

The Blipply Visa card works online and in-store, with Apple Pay or Google Pay for contactless payments. Accepted wherever Visa is accepted worldwide.

## Save & Invest

The Blipply app offers two ways to grow your money:

### USDC Savings
- Lock USDC for 3, 6, 9 or 12 months to earn rewards
- The longer the lock period, the higher the rate
- Funds are locked for the chosen period and cannot be withdrawn early

### Crypto Investing
- Hold crypto across 9 assets with no lock period
- Buy, sell or withdraw anytime
- Available assets: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Polkadot (DOT), Cosmos (ATOM), Tron (TRX), Cardano (ADA), USDT (Tether) and USDC (USD Coin)

## Crypto-Secured Loans (coming September 2026)

Blipply loans are crypto-secured loans:
- Lock your crypto as collateral and unlock instant cash without selling it
- You keep any future upside, since your crypto is not sold
- You avoid a taxable sale (borrowing is not the same as selling)
- Approval is based on your collateral, not a credit score, so no credit history is needed

## KYC Verification

KYC (Know Your Customer) verification is **not required** for basic Blipply wallet use. It is only needed for:
- Getting a virtual Visa card
- Crypto-secured loans (coming September 2026)

### Accepted Documents
- **Passport**: Must have an NFC chip following ICAO Doc 9303 and ISO/IEC 14443 standards
- **National ID Card**: Must follow ICAO Doc 9303 Part 5 standard

KYC is a one-time verification process that protects against fraud and money laundering.

## Payment Flows

### Between Blipply Merchants (3 flows)
1. **Wallet-to-Wallet**: Free instant transfers between Blipply wallets (zero transaction fees)
2. **Bank-to-Wallet**: Deposit from bank account to Blipply wallet
3. **Mobile Money-to-Wallet**: Deposit from mobile money (M-Pesa, Airtel Money, etc.) to Blipply wallet

### For Anyone (2 flows)
4. **Wallet-to-Crypto**: Free transfers from Blipply wallet to any external crypto wallet
5. **Visa-to-Terminal**: Tap-to-pay at any Visa terminal worldwide using virtual Visa card

All wallet-to-wallet and wallet-to-crypto transfers are completely free, zero transaction fees. Solana gas costs are negligible (~0.00025%).

## Referral Programme

### Commission Structure
Commissions are paid in USDC stablecoins.

**Revenue Share:**
- 2% of Blipply's earnings from each referred user
- Runs for 12 months from the day each referred user signs up
- No cap on number of referrals or total earnings

**Payouts:**
- Automatic every 30 days from the referrer's signup date
- Paid directly in USDC stablecoins to the referrer's wallet

**Level 2 Earnings**: 10% commission on recruited referrers' earnings

## Blipply Wallet Details

The Blipply wallet is a non-custodial stablecoin wallet, meaning:
- You fully own it — users control their own private keys, and no one (not even Blipply) can freeze, seize or access user funds
- Key export & portability: you can export your private key at any time and import it into any other non-custodial wallet, so your money is always portable and truly yours
- No limits: no daily, per-transaction or monthly cap on wallet-to-wallet transfers, and no limit on how much you can hold
- Zero transaction fees for wallet-to-wallet payments
- Cross-border transfers at a fraction of traditional costs
- Available globally across Africa, Latin America, Asia, Europe, and North America
- Uses dollar-pegged stablecoins ("digital dollars") designed to track the US dollar

## Partner Program

### How It Works
1. Partner signs agreement (zero upfront investment)
2. Blipply configures and deploys branded apps
3. Apps go live in partner's app stores
4. Revenue is shared between Blipply and partner

### What Partners Get
- Fully branded merchant and consumer mobile applications
- Real-time partner dashboard with analytics
- Transaction monitoring and revenue tracking
- Ongoing technical support and updates
- Regulatory compliance support

## Reference Deployment

### T-kash Soko (Telkom Kenya)
- White-label deployment for Telkom Kenya
- Targets informal merchants and consumers in Kenya
- Demonstrates the platform's capabilities in the East African market

## Deposit Methods

The platform supports cash-to-digital conversion across 75+ countries on 5 continents through diverse deposit methods including:
- Mobile money transfers (M-Pesa, Airtel Money, MTN, etc.)
- Bank transfers
- Cash deposits at retail locations
- Digital wallet transfers
- SWIFT transfers for 150+ countries worldwide

## Technology Stack

- AI-powered features for business insights and automation
- Non-custodial wallet architecture (users control keys)
- Stablecoin infrastructure for USD-tracked transfers
- Multi-payment gateway integration
- Real-time analytics and reporting
- Cloud-based with global availability

## Blog Content

The Blipply blog contains 30+ articles organized into series and standalone posts covering:

### Series: "Stable money for real trade" (11 parts, Feb 2026)
Comprehensive exploration of how stablecoins remove barriers and simplify everyday commerce:
- Why money instability is the biggest hidden barrier to local trade
- How stable value transforms everyday merchant decisions
- How stablecoins lower remittance costs and unlock cross-border trade
- Why reliable money matters more than fast or familiar payment systems
- How stable digital money strengthens informal economies
- How stablecoins work in practice for local trade
- Common myths about stablecoins in everyday trade
- What needs to exist for stablecoins to work at scale
- How stablecoins reshape local supply chains
- Risks, responsibilities, and safeguards in stablecoin economies
- How stablecoins reshape economic participation in the next decade

### Series: "Why non-custodial wallets are a better fit for informal traders" (5 parts, Mar 2026)
Exploring why ownership-based wallets serve informal economies better:
- Why informal traders need ownership, not just access
- How non-custodial wallets protect from system failures
- Saving with confidence: how non-custodial wallets protect and grow value
- Everyday trade made simpler with non-custodial wallets
- A better fit for the informal economy

### Standalone Articles
Topics include digital payments security, female entrepreneurship, financial literacy, environmental impact of cashless payments, credit scoring for financial inclusion, and more.

### Featured / Recent Articles
- **Binance and the EU: what MiCA means for your money in 2026** (https://blipply.com/blog/binance-eu-mica-what-it-means): A plain-language explainer. From July 1, 2026 Binance is suspending most services for EU residents after it did not hold a MiCA license by the deadline (a suspension, not a shutdown; existing balances stay accessible and withdrawals remain open). Explains MiCA (Markets in Crypto-Assets), the EU's single rulebook requiring a license from one member state to operate across all 27 countries, and argues the real lesson is about who controls your money: access should not depend on whether a company files the right form in time. Positions Blipply as a digital dollar platform with a wallet you fully own (Blipply never holds your money, your keys are yours), a Visa card accepted in 200+ countries, free wallet-to-wallet transfers, and stable digital dollars. Includes a FAQ: Is Binance leaving the EU? Are my funds safe? What is MiCA?

## Newsroom

The Blipply newsroom at https://blipply.com/news publishes press releases and product update announcements. As of late 2025 it includes:
- Cash payment support added to the Merchant app (Nov 2025)
- Kenya's first universal QR payment for informal merchants (Nov 2025)
- OneClick merchant onboarding launch (Oct 2025)
- Express Checkout for street vendors (Sep 2025)
- AI voice-only POS launch (Aug 2025)
- Strategic partnership with a leading Kenyan telecom operator (Jun 2025)
- Marketplace feature for service providers (May 2025)
- AI self-service KYC and eID verification (Apr 2025)
- Partnership with BrandCircle for Kenya / East Africa go-to-market (Oct 2024)
- AI-based Credit Score launch (Mar 2024)

## Key Statistics
- 300M+ stablecoin users globally (2025 research)
- 100,000+ cash deposit locations worldwide
- 150+ countries supported
- 75+ countries with detailed deposit methods
- Accepted wherever Visa is accepted worldwide

## Multi-Language Support
The website and app support 10 languages:
English, Swedish, Spanish, Portuguese (Brazil), French, Italian, German, Turkish, Greek, Arabic
Every page is available in all 10 languages via a /<lang>/ URL prefix (e.g. https://blipply.com/es/pricing, https://blipply.com/fr/compare). English is the default and uses no prefix. Each localized URL is independently indexable, fully translated, prerendered for crawlers, and cross-linked with hreflang alternates.

## Website Navigation
- Home: https://blipply.com/
- Merchants: https://blipply.com/merchants (POS & seller tools; redirects old /platform)
- Marketplace: https://blipply.com/marketplace (online marketplace for merchants to list and sell products and services digitally)
- Money: https://blipply.com/money (digital dollar wallet only you control, non-custodial; no limits and zero fees wallet-to-wallet; redirects old /wallet)
- Remittance: https://blipply.com/remittance (dollar remittance; buy USD and send to any Blipply user for free; receivers get dollars not local currency in a wallet they fully own plus a Visa card; buy via bank transfer, card, Google Pay, Apple Pay or mobile money; Blipply is available globally and supports buying and selling dollars across 80 currencies; the Visa card is available in 51 countries and growing and accepted for spending in 200+ countries)
- Save & Invest: https://blipply.com/save-invest (USDC savings and crypto investing across 9 assets including Bitcoin)
- Loans: https://blipply.com/loans (crypto-secured loans, coming September 2026)
- Visa Card: https://blipply.com/visa-card
- Partners: https://blipply.com/partners
- Pricing: https://blipply.com/pricing
- Market data / Comparison: https://blipply.com/compare (multi-tab comparison of Blipply vs PayPal, Wise, Western Union, traditional banks, Coinbase, Binance and other exchanges — remittance costs, agency/creator payments, digital dollar wallet vs bank, self-owned vs platform-held custody, and crypto fees)
- About: https://blipply.com/about
- FAQ: https://blipply.com/faq
- Contact: https://blipply.com/contact
- Referral: https://blipply.com/referral
- Blog: https://blipply.com/blog
- News: https://blipply.com/news (newsroom with press releases and product update announcements; 10+ items dating from March 2024)
- Waitlist: https://blipply.com/waitlist (early-access waitlist signup for the platform)
- Influencer: https://blipply.com/influencer (newsletter and influencer programme signup; join the affiliate network and receive a 3-email onboarding sequence in 10 languages)
- Freedom: https://blipply.com/freedom (editorial brand page celebrating 9 thinkers who defined financial freedom, John Locke, Thomas Jefferson and the American Founders, Lysander Spooner, Frederick Douglass, Frédéric Bastiat, Ludwig von Mises, Murray Rothbard, Robert Nozick, Adam Smith, whose ideas underpin Blipply's mission that your money belongs to you)
- Web3 Banking: https://blipply.com/web3-banking (landing page for Web3 and blockchain-native banking features)
- Argentina: https://blipply.com/argentina (country landing page for Argentina, English only, open a digital dollar wallet in minutes, protect savings from peso inflation, pay everywhere with Visa, and earn rewards on digital dollars)
- Nigeria: https://blipply.com/nigeria (country landing page for Nigeria, English only, open a digital dollar wallet in minutes, protect naira savings from devaluation, get a card that works everywhere, and earn rewards on digital dollars)
- Kenya: https://blipply.com/kenya (country landing page for Kenya, English only, a Visa card powered by your digital dollar wallet, digital dollar savings, and instant remittances)
- Cookie Policy: https://blipply.com/cookie-policy
- Privacy Policy: https://blipply.com/privacy-policy
- Terms of Use: https://blipply.com/terms-of-use

## Contact

For partnership inquiries, visit https://blipply.com/contact