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Morph Pay

Your Web3 Super-App for Everyday Finance​

Morph Pay is the consumer-facing entry point to the Morph ecosystem. It is a Web3 version of Alipay built on Morph’s blockchain. The app combines the accessibility of modern fintech products with the performance and transparency of blockchain, creating a simple and powerful way for anyone to use onchain consumer finance.

Together with Morph Rails, the decentralized version of Stripe, Morph Pay forms a complete payments ecosystem that serves both consumers and builders.

Overview​

Morph Pay is a centralized, compliance-ready mobile and web application optimized for consumer use. It offers:

  • A familiar, user-friendly interface for managing crypto and fiat balances in one place
  • KYC onboarding with instant access to a Morph crypto payment card
  • Support for stablecoins and multiple currencies
  • Integrated onchain yield strategies that let users earn while they spend
  • Near-instant payments with ultra-low fees through Morph’s infrastructure

Key Features​

1. Card Issuance​

  • Complete KYC in minutes directly in the app
  • Receive a crypto payment card for online and in-store spending
  • Connect stablecoins like USDC and local currencies into a single balance

2. Earn While You Spend​

  • Deposit funds and earn up to 30% APY through safe, integrated onchain yield strategies
  • Continue spending normally while your balance grows automatically

3. Borderless Multi-Currency Wallet​

  • Swap between stablecoins such as USDC, xSGD, and xEUR
  • Near-zero slippage and minimal FX fees (under 0.05%)
  • Manage all currencies in one app without juggling multiple wallets

4. Designed for Everyday Use​

  • UX inspired by popular fintech apps like Revolut and Venmo
  • Loyalty points, automatic cashback, and 24/7 support
  • Connect a Morph Black Card for premium perks such as zero FX fees and VIP benefits

5. Security and Compliance​

  • Built-in KYC/AML via Sumsub and Chainalysis
  • User balances held with licensed custodial partners
  • Transparent onchain settlement for all transactions

Highlights​

User-Friendly Accessibility – Crypto as simple as your favorite payment app​

  • High-Yield Opportunities – Earn significantly higher returns compared to banks
  • Cost Efficiency and Speed – Reduce FX fees from 3–5% to under 0.3%
  • Security and Compliance – Regulatory readiness with user-first privacy
  • Ecosystem Synergy – Works seamlessly with Morph Rails, the decentralized Stripe-like infrastructure for open payments

Your everyday crypto hub that combines banking ease with blockchain power.