FunS Pay
Pay and send money without a bank account. From in-store payments to utility bills, it is all handled in one place.
Spend what is already in your wallet
Skip selling coins, moving the money to a bank and then spending it on a card. The assets in your wallet are used the moment you pay.
In-store payments
Pay with your phone without reaching for a card.
Online shopping payments
Use it as-is at online stores around the world.
Easy transfers
Send to family and friends knowing nothing but their ID.
Bills and subscriptions
Manage even your monthly outgoings from one place.
How paying works
Put assets in your wallet and the app handles the rest. There is no account opening and no credit check.
Get the app
Installing FUNS Talk creates the wallet along with it.
Add assets
Top up the wallet with as much coin as you plan to spend.
Make a payment
In stores you scan a code; online you select it as a payment method.
Review your history
See what you spent and what is left, right in the app.
Compared with paying from a bank account
The aim is not to replace banks, but to let people who cannot easily use one still make payments.
| Item | Bank account payment | FunS Pay |
|---|---|---|
| Bank account | Required | Not required |
| Credit check | Cards go through a review | No review |
| International transfers | Takes days and costs a lot | Sent straight over the blockchain |
| What you spend | Your deposit balance | The coins in your wallet |
| Hours | Blocked during bank maintenance | Not tied to any hours |
Good to know
As a payment service, there are things you should know in advance.
- A merchant has to accept itPayment works only at stores that accept it. The number of places you can use it is still growing.
- Prices moveIf you pay with an asset that is not a stablecoin, the amount you spend varies with that day's market price.
- What you send is hard to undoBlockchain transfers cannot be cancelled. Always check the recipient and the amount before you send.
- Rules differ by countryRules covering cryptocurrency payments differ from country to country. Check the rules where you live.
- FeesFees may apply to payments and transfers. The rates vary with policy, so check the guidance in the app.
Common questions
Do I really not need a bank account?
Correct. If there are assets in your wallet you can pay. Converting to cash, however, requires a separate route.
Which coins can I pay with?
You pay with the assets in your wallet. If price swings are a concern, keeping a dollar-pegged coin on hand makes the amount easier to predict.
How long does a transfer take?
It takes as long as the blockchain needs to process it. Usually short, but it can be slower when the chain is busy.
Can I undo a mistaken transfer?
It cannot be undone. Always check the receiving address and the amount before sending.
When can I use it?
Services are being released in order. Release timing is announced in the notices.
Other services in the ecosystem
FUNSTALK is built so that its services connect into one. Seeing them together makes it easier to understand.
One wallet, payments included
Install the app and you can use it as soon as it launches.
This page explains what the service does. Features and release timing may change as development progresses, and confirmed dates are announced in the notices. Cryptocurrency prices fluctuate and losses can occur. This page is not investment advice.