Never miss your exit.
Never miss a bill.

Abstract

MintPay turns any token, on any major chain, into money you can spend, in a single quote and a single signature. Users swap memecoins, stablecoins or majors and send the proceeds straight to the apps they already use: Cash App, PayPal, Revolut, Venmo, an exchange or a crypto card.

On top of that sits an automation layer. Users can set take-profit rules, get rug alerts and keep their bills funded from crypto. The goal is simple: never miss your exit, and never miss a bill.

MintPay is non-custodial. Funds move only when the user signs in their own wallet, and every fee is shown before they approve. A paper-money simulator is live now, so anyone can try every feature without risk.

The problem

Holding crypto is easy. Turning it into money that pays for real life still isn't.

1. Too many steps. A typical cash-out means swapping, bridging, depositing to an exchange, waiting, selling and withdrawing. Every step adds a fee, a delay and a chance to get something wrong.
2. Hidden costs. Spreads, network fees and withdrawal fees are spread across several apps, so few people know what a cash-out really cost them.
3. Gas and chain confusion. Users holding a token often lack the native coin needed to move it, or hold it on a chain their exchange doesn't support.
4. Missed exits. Memecoins move in minutes. Traders sleep, work and travel, and the moment to take profit, or to get out before a rug pull, passes without them.
5. Bills don't wait. People who earn or save in crypto still pay rent, phone and power in local currency. Topping up the account that pays each bill is one more manual job.

How MintPay works

MintPay collapses the whole cash-out into one quote and one signature.

1. Connect. Connect a wallet. MintPay reads your tokens and shows what each one is worth at live prices.
2. Choose a destination. Add the apps you already use, such as Cash App, PayPal, Revolut, Venmo, an exchange or a crypto card. You add and verify each one once, with a $1 test.
3. See the exact quote. MintPay prices the route across leading liquidity sources, including Jupiter on Solana and Relay and Mayan across chains. The quote shows the fee, the amount that will arrive and where it goes, before anything is signed. On Solana no gas token is needed: MintPay pays the network fee and recovers it in the quote. On other chains the user pays that chain's normal network fee to send.
4. Sign once. You approve in your own wallet. The token is swapped into a stablecoin (USDC or PYUSD) and delivered to the chosen app.
5. Track it. A live status page records each step. If a step fails, MintPay returns the funds to the address they came from.

The base fee is 1.0% per cash-out, shown in full on every quote. Protect in dollars, which moves tokens into USDC in the user's own wallet, costs 0.5%, or the user's staking-tier fee if that is lower.

Core features

Everything below can be tried today in the simulator with paper money.

Security and trust

MintPay never holds users' keys or funds.

• Non-custodial. Every transfer is signed by you in your own wallet. MintPay never asks for a seed phrase or private key.
• Quote first. The fee and the amount that will arrive are shown before signing, and a route that drifts from its quote is refused.
• Never paid twice. Each cash-out and bill payment is recorded once. Repeated or overlapping attempts are blocked.
• Limits. Daily caps apply during the beta and rise as the system proves itself.
• Separate systems. Background workers that check prices and rules hold no wallet keys and no database passwords.
• Reviewed and tested. The money path has been through internal security reviews, with more than 750 automated tests. A further full audit is planned before fully automatic selling goes live.
• Fail safe. If a step fails, funds return to the address they came from. A kill switch can pause all cash-outs at once.

The $MINTPAY token Coming soon

$MINTPAY is MintPay's planned utility and governance token. It has not launched. The target is about one month after the public launch, in early 2027.

• Network and supply. A Solana (SPL) token with a fixed supply of 1,000,000,000.
• Lower fees. Staking $MINTPAY is planned to lower the fee on every cash-out.
• Pro features. Stakers unlock advanced rules and higher automation limits.
• Governance. Holders vote on what MintPay builds next, such as new chains, new destinations and fee settings.
• The flywheel. More users bring more cash-outs. A share of net fees is planned to buy $MINTPAY for staking rewards, and lower fees for stakers bring more users.
• Points for early users. Testers and early users earn points as they cash out. Points may convert to $MINTPAY in future; no value is promised.

$MINTPAY is not a share in MintPay and pays no revenue share or dividends. The staking tiers, the token allocation and the launch date will be confirmed before launch and may change.

Roadmap

Each phase starts only when the one before it meets its goals. Dates are targets, not promises.

• 9 Nov to 6 Dec 2026
  Simulator beta · live now

  Paper money, every feature, open bug bounty.

• From 7 Dec 2026
  Closed real-money beta

  Founding testers in waves of 20, with daily caps of $100. Real cash-outs to your own apps.

• Mid-January 2027
  Public launch

  Cash-outs open to everyone: one-tap sell rules, Rug Shield, Protect in dollars, and Bills and paycheck reminders.

• About February 2027
  $MINTPAY token launch

  Staking for lower fees, Pro features and governance votes.

• 2027
  Phase 2: partner rails

  MintPay wallet and card, private balances, bank payouts in local currency, fully automatic rules, bill pay and paychecks, and new chains.

Future plans

The long-term aim is a digital wallet that turns any token into local currency, wherever you live. Phase 2 adds licensed payment partners so MintPay can go further:

• A MintPay wallet and card. A balance in local currency with a virtual card for Apple Pay and Google Pay.
• Private balance. The option to hold stablecoins with amounts hidden from public view, powered by Solana Privacy Rings from Helius, with full compliance checks built in. Planned for after Helius completes its security audits.
• Direct bank payouts. Cash-outs straight to a bank account in local currency, starting with the US and expanding to more countries, including Australia (AUD).
• Fully automatic money. Sell rules and bill payments that run on their own with real money, inside your limits.
• More chains and better prices. New ecosystems such as Hyperliquid, and more liquidity sources so every quote finds the best rate.
• Money tools. Portfolio and profit-and-loss tracking, tax exports, multiple wallets and rules that work across chains.

Important notices

• This litepaper describes MintPay as it stands on 11 November 2026. Plans, dates and features may change.
• It is not financial, investment, legal or tax advice, and it is not an offer to sell any token or security.
• The simulator uses paper money only. Results in the simulator do not predict real results.
• Crypto prices are volatile. You can lose money, and automated rules cannot guarantee a price.
• $MINTPAY has not launched. Nothing here promises it will have any value. Points carry no value.
• Availability depends on local law. MintPay is not currently offered to residents of the United Kingdom.