MiniPay is a lightweight stablecoin wallet built to make digital dollar payments fast and cheap. It runs on the Celo network and focuses on simple peer payments, cash links, and local on/off-ramps. The app also runs regional reward campaigns and referral bonuses.
Why MiniPay is Important
Sending cash across borders is often slow and costly. MiniPay uses stablecoins and mobile-first flows to cut fees and speed settlement. That makes it useful for remittances, small businesses, and everyday transfers.
Core features at a glance
Stablecoins: Hold and send cUSD, USDC, and supported dollar tokens.
Cash Links: Create a shareable link so anyone can claim funds with one click.
Phone-number payments: Send to a phone number when the recipient has MiniPay.
Local on/off-ramps: Convert to local cash via partners in supported countries.
Low fees: Celo-based transfers keep gas costs low and settlement fast.
How rewards work
MiniPay runs periodic campaigns. Rewards vary by region and by campaign rules.
Onboarding bonuses: New users sometimes get a welcome credit after signing up and a qualifying top-up.
Referral bonuses: Invite friends and earn rewards when they sign up and meet the campaign conditions.
Savings campaigns: Limited-time offers may pay a yield or weekly bonuses for holding a minimum balance.
Always read the campaign terms inside the app. Offers change by country and time.
Step-by-step: How to register with the referral link
Use the link below on your phone for the smoothest flow. The link opens the correct app store or the integrated Opera Mini flow.
Referral link — install MiniPay & register
Open the referral link on your phone. It directs you to the right app store or Opera Mini flow.
Install the official MiniPay app from Google Play, the App Store, or the Opera-integrated page.
Sign up with your phone number and follow the prompts. Verify the code sent to your phone.
Secure your wallet by enabling the backup option. Save your recovery info in a safe place.
Top up using a supported on-ramp (card, partner deposit, or transfer). Some rewards need a minimum top-up.
Claim referral rewards once you meet campaign steps. Check the app Rewards section for progress.
How to send money and use Cash Links
Sending money is simple. Tap Send, choose a contact or enter a phone number, and confirm. For Cash Links, pick an amount and create a link. Share the link by SMS or chat. The receiver clicks and claims the funds.
Advanced tips and best practices
Test first: Send a small amount to a new address before larger transfers.
Use partner cash-outs: If you need fiat, use MiniPay’s local payout partners for faster cash collection.
Track campaigns: Watch the in-app Rewards page — bonus rules often change weekly.
Keep your app updated: Use official stores only to avoid fake apps.
Monitor fees: Celo fees are low, but on/off-ramp fees vary by partner and country.
Security and things to watch
MiniPay is self-custodial. That means you control your keys or backup. If you lose your backup, you can lose access to funds. Never share your seed phrase. Beware of phishing links that mimic MiniPay.
Who benefits most
MiniPay is handy for freelancers, gig workers, small shops, and senders who need cheap, fast transfers. It helps people in corridors where banking is slow or costly.
Limitations and caveats
MiniPay depends on local partners for cash-outs. Coverage varies by country. Some reward campaigns only run in select regions. Conversion to fiat depends on partner liquidity.
Conclusion
MiniPay makes stablecoin payments simple for people and small businesses. The wallet mixes fast transfers with useful features like Cash Links and referral rewards. Use the referral link to get any signup bonuses. But read the campaign rules and protect your keys. Start small and test the flow first.
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