upay
Powered by Smartphones

qupay

Quick Payments for Everyone, Everywhere.

Send Money from Anywhere to Anyone with a Mobile Number - in Any Currency

Welcome

Select Country Code

Enter Mobile Number

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No KYC required โ€ข Instant activation โ€ข Earn rewards

Earn drops ๐Ÿ’ง in rewards for using qupay

By the Numbers

Secured and Scalable.

Real numbers from a network that never sleeps.

0M+
Payments Processed
0+
Countries Reached
0%
Uptime
<0s
Processing Time
Why Qupay

Quick payments from anywhere to anyone, in any currency.

No Setup

Your Phone is the Bank

No specialized hardware or software required. Your smartphone and internet connection are all you need to send, receive, or process payments.

Available on all smartphones
Military Grade

TEE & HSM Protected

Built-in Trusted Execution Environments and Hardware Security Modules built into every smartphone surpass traditional bank servers.

Available on all smartphones
Different Countries

Cross-Border in Minutes

Send money across Africa and the world in seconds. Specialized nodes bridge currencies using USDT as the settlement layer.

Available on all smartphones
Passive Income

Earn as a Mobile Processor

keep an inventory of multiple currencies. Earn from the spread on transaction you process - no special skills required

Available on all smartphones
Real-Time

Near-Instant Settlement

Transactions settle in seconds. Real-time processing via USDT as the bridge currency across every payment corridor.

Available on all smartphones
Trustless

Smart Contract Execution & On-chain Reputation.

Every transaction is protected by smart contract, escrow & on-chain verification. More transactions, higher ratings, more order flow โ€“ fully transparent

Available on all smartphones
TEE Protected
Hardware
HSM Secured
Military-Grade
Decentralized
No Single Point
Global Reach
Billions of Devices
How It Works

Payments, Reimagined.

1
Step 01

Send money to Anyone, Anywhere, in Any Currency

Enter recipient's mobile number and confirm payment option. Select funding option, currency and amount. Proceed to complete payment โ€“ No Kyc required.

2
Step 02

Become a Mobile processor & Complete Payments

Become a mobile node & process multi-currency payments as a service to anyone on the network at best rates using smart contract escrow protecting all parties โ€“ earn extra income, no extra setup!

3
Step 03

Receive Money from Anyone, Anywhere, in Any Currency

Receive payments in any supported digital currency using just your mobile number and selected payment option. Mobile processors complete payments directly to your selected channel. Once confirmed, the transaction is validated, finalized, and added to the blockchain โ€” building your on-chain payment reputation.

< 1 min
Transfer time vs days with banks
P2P
No middleman, no custody
On-Chain
Reputation & transparent escrow
What is Qupay?

Payments as a Service.

qupay โ€“ Quick Payment is a decentralized application (Dapp) built on Qubic that leverages smartphones as human-verified mobile payment processors in a peer-to-peer network.

It delivers smooth, secure and borderless payments in any currency using the device already in your pocket as the infrastructure.

The Network

Two ways to participate

Whether you're sending and receiving money or processing payments, Qupay works for you.

For Users

Send money anywhere.

Send or receive money anywhere, anytime using just your mobile number and biometrics. No bank account. No KYC. Just download and get started.

  • โœ“
    Mobile number as your identity
  • โœ“
    Biometric verification - face or fingerprint
  • โœ“
    Multiple payment options - Banks, Mobile Money or Crypto
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    Smart contract escrow protection
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    Earn rewards for using the Dapp
Start Sending
For Mobile Processors

Process payments, earn income.

Become a Mobile Processor and earn income for contributing to the network. Keep inventory of multiple currencies, and earn on every payment you process.

  • โœ“
    Hold an available balance in more than one currency โ€“ USDT or Mobile Money
  • โœ“
    Earn spread on every payment processed
  • โœ“
    Build your on-chain reputation
  • โœ“
    Smart contract escrow protection
  • โœ“
    Auto-matched by AI agents
Start Processing
The Qupay Architecture
DAMP
Community ยท Governance ยท Incentives
YOUR PHONE
Built-in TEE & HSM Security
DAPP
Payment Network ยท Fast ยท Secure
FAQ

Questions? We Have Answers.

Everything you need to know about Qupay, Mobile Nodes, and how payments work.

Earn Early Drops

Be First. Earn More.

Join the Qupay community. Early members earn exclusive Drop rewards when the network launches.

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No spam. Your data is private. Early members earn exclusive Drop rewards at launch.

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No spam, ever
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Free to join
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Early access priority