MiniPay
Opera's 2MB stablecoin wallet for the Global South: 10M+ wallets, PIX and Mercado Pago rails, USSD-light design.
Opera's Celo wallet; 10M+; PIX/Mercado Pago rails.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from MiniPay’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native · underbanked |
| HQ | Oslo, NO |
| Founded | 2023 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| Card | No card |
| Stablecoins | Yes |
| KYC | No |
| Active regions | Africa, Latin America, Asia |
| Countries | Nigeria, Kenya, Ghana, South Africa, Uganda, Brazil, Philippines |
| Reported users | 10M wallets (2025) |
| Founders | Opera (built on Celo) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @MiniPay ↗
Common questions about MiniPay
What is MiniPay?
MiniPay is a self-custodial, on-chain-first neobank built for underbanked, headquartered in Oslo, NO and founded in 2023. You hold the keys: MiniPay never takes custody of your funds. It is software rather than a licensed institution.
Does MiniPay have a card, and where can you use it?
It issues no card of its own and requires no identity check. It is available in 7 countries, across Africa, Latin America and Asia.
Does MiniPay require KYC?
No. MiniPay works without identity verification, which is possible because it is self-custodial — it never holds your funds.
Head-to-head
Peers
Phantom · Zengo · MetaMask · Solflare · Rainbow · Xverse
MiniPay appears in
Neobanks that never hold your money (53) · Neobanks that work without identity verification (14) · Neobanks available in Asia (132) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks built for the underbanked (23) · Neobanks with no card of their own (67)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.