# Blipply

> Blipply is a Swedish AI company that provides white-label fintech infrastructure for partners in emerging markets. Partners launch their own branded super-apps (merchant and consumer applications) with zero upfront costs through a revenue-sharing model.

## Company Overview

- **Name**: Blipply
- **Tagline**: The Smarter Way To Money
- **Headquarters**: Sweden
- **Industry**: B2B Fintech / White-Label Infrastructure
- **Markets**: 150+ countries globally across Africa, Latin America, Asia, Europe, and North America
- **Business Model**: Revenue-sharing with zero upfront costs for partners

## Core Product

Blipply provides a complete white-label fintech platform that enables partners (telecom operators, banks, retailers) to launch their own branded financial super-apps. The platform includes:

- **Merchant App**: POS system, inventory management, online sales, employee management, automated accounting, AI business insights, QR payments
- **Consumer App**: Blipply wallet (non-custodial stablecoin wallet), remittances, bill payments, virtual Visa card, QR payments, savings with yield
- **Partner Dashboard**: Real-time analytics, transaction monitoring, revenue tracking

## Wallet Limits

Blipply does not use wallet tiers or activity-based levels. The limits are simple:

- **Wallet-to-wallet transfers**: No limits at all, no daily cap, no per-transaction cap and no monthly cap. There is also no limit on how much you can hold in your wallet. Wallet-to-wallet transfers are always free and unlimited.
- **Virtual Visa card (spending only)**: $100,000 per day, $100,000 per transaction, and $1,000,000 per month. These limits apply to card spending only, not to wallet-to-wallet transfers.

## Save & Invest

- **USDC savings**: Lock USDC for 3, 6, 9 or 12 months to earn rewards; the longer the lock, the higher the rate. Cannot be withdrawn early.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: lock your crypto as collateral and unlock instant cash without selling it. You keep any future upside and avoid a taxable sale. Approval is based on your collateral, not a credit score, so no credit history is needed.

## Virtual Visa Card

- Virtual card linked to digital dollar (stablecoin) balance
- Works with Apple Pay or Google Pay
- Accepted wherever Visa is accepted worldwide
- Flat $3 issuance fee ($1 if you joined with a referral code and activate within 14 days), no monthly fee; KYC verification required
- Small ATM withdrawal fee; ID verification fees may apply for some on/off ramp transactions

## KYC Verification

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

Requires scanning a passport with NFC chip (ICAO Doc 9303, ISO/IEC 14443) or national ID card (ICAO Doc 9303 Part 5).

## Payment Flows

- **Wallet-to-Wallet**: Free instant transfers between Blipply wallets (zero fees)
- **Bank-to-Wallet**: Deposit from bank account to Blipply wallet
- **Mobile Money-to-Wallet**: Deposit from mobile money (M-Pesa, Airtel Money, etc.) to Blipply wallet
- **Wallet-to-Crypto**: Free transfers from Blipply wallet to external crypto wallets
- **Visa-to-Terminal**: Tap-to-pay at any Visa terminal worldwide using virtual Visa card

## Referral Programme

- 2% revenue share on Blipply's earnings from each referred user for 12 months
- 10% Level 2 commission on recruited referrers' earnings
- Automatic USDC payouts every 30 days from referrer's signup date
- No cap on referrals or total earnings

## Key Technology

- **Blipply Wallet**: Non-custodial stablecoin wallet — you fully own it and control your own private keys. No one (not even Blipply) can freeze, seize or block your funds. 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. Three core promises: no limits (no daily, per-transaction or monthly cap, and no limit on how much you can hold), zero fees on wallet-to-wallet transfers, and your keys stay yours
- **Digital Dollars**: USD-backed stablecoins designed to track the US dollar for storage and transfers
- **AI-Powered Features**: Business insights, voice input, automated setup
- **Cash Deposit Network**: 100,000+ deposit locations worldwide
- **Multi-Payment Support**: Mobile money, bank transfers, QR codes, cash tracking

## Reference Case

- **T-kash Soko**: White-label deployment with Telkom Kenya, demonstrating the platform in the Kenyan market for informal merchants and consumers

## Deposit Methods

Supports diverse deposit methods across 75+ countries on 5 continents, including mobile money, bank transfers, cash deposits, and digital wallets.

## Website Pages

- `/` - Homepage with platform overview and value proposition
- `/merchants` - Merchant & seller tools: POS sales, inventory, invoicing for freelancers (coming June 2026), salary payment links (coming June 2026)
- `/money` - Digital dollar wallet only you control (non-custodial, your keys): no limits and zero fees wallet-to-wallet, stable in USDC, save in USD, crypto wallet connection (live), salary deposits, utility bill payments, credit building (last three coming June 2026)
- `/remittance` - Dollar remittance: buy US dollars and send them to any Blipply user for free, receivers get USD (not local currency) in a wallet they fully own plus a Visa card; 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; buy via bank transfer, card, Google Pay, Apple Pay or mobile money
- `/loans` - Crypto-secured loans: lock your crypto as collateral and unlock instant cash without selling it, approval based on collateral not a credit score (coming September 2026)
- `/platform` - Redirects to /merchants
- `/wallet` - Redirects to /money
- `/visa-card` - Virtual Visa card linked to digital dollar balances, Accepted wherever Visa is accepted worldwide, with Apple Pay/Google Pay support
- `/save-invest` - USDC savings (locked 3/6/9/12 months) and crypto investing across 9 assets including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Polkadot (DOT), Cosmos (ATOM), Tron (TRX), Cardano (ADA), USDT and USDC
- `/partners` - Partner program information and onboarding process
- `/pricing` - Pricing for the wallet and virtual Visa card: free unlimited wallet-to-wallet transfers, Visa card limits ($100,000/day, $100,000/transaction, $1,000,000/month) and fees ($3 issuance, $1 with a referral)
- `/compare` - "Market data": multi-tab comparison of Blipply vs PayPal, Wise, Western Union, traditional banks, Coinbase, Binance and other exchanges, covering remittance costs, agency/creator payments, digital dollar wallet vs bank, self-owned vs platform-held custody, and crypto fees
- `/about` - Company information, mission, and team values
- `/faq` - Frequently asked questions covering wallet, self-custody and private-key export, limits, payments, Visa card, save & invest, affiliate, crypto-secured loans, KYC, and security
- `/contact` - Partner inquiry form
- `/referral` - Referral programme details with 2% revenue share commission structure
- `/blog` - Blog with 30+ articles on stablecoins, non-custodial wallets, and financial inclusion
- `/news` - Newsroom: Blipply press releases and product update announcements (10+ items, March 2024 onwards)
- `/marketplace` - Online marketplace for merchants to list and sell products and services digitally
- `/waitlist` - Early-access waitlist signup for the Blipply platform
- `/influencer` - Newsletter and influencer programme signup hub; join the Blipply affiliate network and receive onboarding emails
- `/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` - Landing page for Web3 and blockchain-native banking features
- `/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` - 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` - Country landing page for Kenya (English only): a Visa card powered by your digital dollar wallet, digital dollar savings, and instant remittances
- `/cookie-policy` - Cookie usage and consent policy
- `/privacy-policy` - Privacy policy and data protection information
- `/terms-of-use` - Terms of use and legal terms

## Languages

Every page on the site is available in 10 languages via a `/<lang>/` URL prefix (e.g. `/es/pricing`, `/fr/compare`): English (default, no prefix), Swedish (sv), German (de), Greek (el), Spanish (es), Portuguese/Brazil (pt), French (fr), Italian (it), Turkish (tr), Arabic (ar). Each localized URL is independently indexable with its own translated content and hreflang alternates.

## Blog Content Series

1. **"Stable money for real trade"** (11 parts): How stablecoins remove barriers and simplify everyday commerce in emerging markets
2. **"Why non-custodial wallets are a better fit for informal traders"** (5 parts): Exploring ownership, resilience, savings, and daily trade benefits of non-custodial wallets

### Featured article

- **"Binance and the EU: what MiCA means for your money in 2026"** (`/blog/binance-eu-mica-what-it-means`): Plain-language explainer on Binance suspending services for EU users from July 1, 2026 after missing the MiCA license deadline, what MiCA (Markets in Crypto-Assets) is, why it matters for who controls your money, and how a wallet you fully own (like Blipply) avoids access being switched off by someone else's paperwork. Includes a FAQ (Is Binance leaving the EU? Are my funds safe? What is MiCA?).

## Contact

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