Chat with friends. Pay them too — same conversation.
FinChat.mp is an end-to-end encrypted messenger with real payments built in: instant transfers and rechargeable virtual cards — no phone number, email, or KYC required.
One app for talking and transacting
FinChat merges the messenger you use every day with the financial tools you need every day — one chat, one balance, zero hassle.
Pay-in-chat, instantly
Split a bill, send rent, or pay a friend right inside the conversation — money moves the moment you hit send and lands directly in their balance.
Rechargeable virtual cards
Top up anytime and spend online or in physical stores — one virtual card that works both online and offline.
No KYC
Create an account and start using FinChat without a phone number, email address, or ID. Privacy is your right.
Freeze in one tap
Spotted something odd? Freeze and unfreeze your card instantly, right from the chat — no calls, no waiting.
Works where others don’t
Built to keep running in places where other messaging and payment apps are throttled or blocked.
Message users on other apps
Reach friends and colleagues who still use other popular messengers, right from FinChat — no need for them to switch.
Business invoicing, built in
Send invoices and accept payment through multiple methods — right inside your team’s existing chats.
Up and running in seconds
No ID checks, no paperwork, no waiting in line. Create an account and start chatting and paying at the speed of a message.
Create your account
No phone number, email, or ID required — just set up your profile and you're in.
Get your card
Top up your balance and get a virtual card instantly — no bank account needed.
Chat and pay as one
Message a friend or client, and settle up right in the same thread.
Works wherever you are
FinChat keeps working even in places where other messaging apps are blocked or throttled.
Built like a bank. Feels like a chat.
Every message and every transaction on FinChat runs through the same rigorous security standard — because your conversations and your money deserve the same protection.
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End-to-end encryption
Messages, calls, and payment details are encrypted on your device before they ever leave it.
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Zero-knowledge architecture
Not even FinChat can read your private messages — the keys stay with you.
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Privacy by design
No phone number, email, or ID required to get started — we collect the bare minimum needed to keep the platform safe.
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24/7 fraud monitoring
Machine-learning models watch every transaction in real time and flag anything unusual instantly.
One virtual card. Online and in-store.
Top up anytime and pay however you like — online checkout or tap-to-pay in physical stores — from one rechargeable virtual card. No KYC required.
Instant virtual card
Get a fully functional virtual card the second you sign up — no waiting, no verification calls.
Pay online and in-store
Use your virtual card for online checkout or tap to pay at physical stores — no plastic required.
Freeze in one tap
Lost your card or spotted odd activity? Freeze and unfreeze instantly from any chat.
Top up anytime
Add funds whenever you need to, instantly, through multiple top-up methods — no waiting for a transfer to clear.
Secure
End-to-end encryption on every message and every payment.
Anonymous
No phone number, email, or ID required.
Convenient
Create an account and start paying in under a minute.
Straightforward plans. Pricing coming soon.
Personal and Business are both paid plans — we’ll share exact pricing closer to launch. No KYC, ever, and transfers to friends are always free of extra fees.
Personal
Everything you need for everyday chatting and personal spending.
- Unlimited encrypted messaging & calls
- Free instant transfers to friends
- 1 virtual card included
Business
Advanced tools for teams, freelancers and growing companies.
- Everything in Personal
- Ability to accept payments
- Priority support & analytics
Frequently asked questions
Your money deserves a smarter conversation.
FinChat is currently in private development — we're putting the finishing touches on security and reliability before opening up to everyone.
We’ll share the exact launch date on this page as soon as it’s confirmed.