.png){kind=small}
The ‘.to’ in MiniPay.to is just a domain extension, similar to .com. It doesn’t affect how the app works, where the company is based, or how your money is handled. So, Minipay.to is the official website of Minipay, a self-custodial stablecoin wallet built on the Celo blockchain and designed to make digital money simple, fast, and affordable to use around the world.
Instead of traditional banking rails, Minipay uses crypto tokens pegged to real currencies like the US Dollar (otherwise known as stablecoins) for transactions. Minipay lets you hold, send, and receive stablecoins (like cUSD, USDT, and USDC) in seconds and with very low fees.
The app is offered by one of the Opera companies known as Blueboard Limited, and the app is available as a standalone mobile app on Android and iOS devices. It is also integrated within the Opera Mini browser. That means you can access and use the Minipay services inside your Opera Mini browser.
MiniPay is live in over 60 countries, including Africa’s Big 4 (which are Nigeria, Egypt, Kenya, and South Africa). Latin America, Europe, North America, and Asia are also part of the regions where Minipay operates.
MiniPay has seen major growth since it was incepted in September 2023. The stablecoin app has recorded over 10 million wallets activated globally and has also processed over 270 million transactions. These analytics show real usage on the app interface.
Things to Know Before Using MiniPay
While all I’ve been discussing with you about Minipay is good, it’s also important to know the possible downsides of the app.
Like most fintech and crypto-related apps, MiniPay is not perfect. Some users have reported issues, especially with deposits, withdrawals, or customer support on different review sites. This shows that not everyone has had a smooth experience using the app.
In addition to that, regulatory clarity may vary across countries due to crypto laws. Crypto rules are different in every country. What works smoothly in one country may face limits in another.
So, it’s advisable to check local crypto regulations, know if stablecoins are allowed in your region, and understand tax or reporting rules if applicable. Also, do not forget that MiniPay is a self-custodial wallet, which means you are responsible for your crypto assets.
In this case, you’ll need to always secure your phone, back up your crypto wallet properly, never share your wallet recovery details, and be cautious with unknown links or Cash Links.
How Minipay Works
Download Minipay App
It works as simple as downloading the Minipay app from the Apple App Store or Google Play Store. Once the app is downloaded on your device, open it and create an account with your phone number.
Next, you’ll need to top up with any of your preferred stablecoins available on the app. The Minipay app supports only three stablecoins as at the time this video was created. The stablecoins are Celo stablecoin (cUSD), Tether (USDT), and Digital Dollar (USDC).
Meanwhile, adding stablecoins to the Minipay wallet is facilitated via third-party partner services. You’ll see the available partners dedicated to your account based on your region during the wallet top-up process.
Send Digital Assets
Furthermore, you can use Minipay to send money or crypto to other crypto wallets and other Minipay users in seconds. You can also withdraw your digital assets to your local bank account in your local currency within the Minipay app, but this transaction is also facilitated via third-party partner services dedicated to your region.
Minipay CashLink
Additionally, MiniPay Cash Link is used to send money to anyone using a simple link instead of bank details or wallet addresses. You create the link in the MiniPay app, share it through WhatsApp, email, or social media, and the receiver claims the money instantly, even if they don’t already use MiniPay.
The link will redirect them to create an account, and the funds will be added to their wallet instantly once they claim it. The Cash Link is mainly used for fast payments, small business transactions, online transfers, gifts, and cross-border payments, with low fees and no need for traditional banking.
