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_**TL;DR:**_ Regulatory clarity for stablecoins, the rise of Coinbase x402, and new agent-security funding created a once-in-a-decade opening for AI agents that can both hold money and prove identity, so [Chimoney](https://chimoney.io/) is shipping an integrated wallet-plus-passport stack with policy controls to fill that gap.

---

## The convergence nobody saw coming

Three things happened in 2025 that nobody predicted would happen at the same time:

1. The US Congress passed the [GENIUS Act](https://en.wikipedia.org/wiki/GENIUS_Act), giving stablecoins regulatory clarity for the first time.
2. Coinbase launched [x402](https://www.coinbase.com/en-ca/developer-platform/discover/launches/x402), a protocol for AI agents to pay for APIs with crypto.
3. [Kite raised $18M](https://newsroom.paypal-corp.com/2025-09-02-Kite-Raises-18M-in-Series-A-Funding-To-Enforce-Trust-in-the-Agentic-Web) specifically for AI agent authentication and payments.

Within six months, the narrative shifted from "Will AI agents handle money?" to "Which infrastructure will AI agents use?"

I've been building payments infrastructure for seven years. I've never seen a market move this fast.

---

## Why now? Why agents?

Let me tell you what changed.

In 2024, if you wanted your AI agent to pay for something, you had two options:
- Give it your credit card (terrifying)
- Build complex API integrations with Stripe or PayPal (weeks of work)

Neither option solved the real problem: **agents aren't humans**. They don't have credit scores. They can't verify their identity. They operate at machine speed, thousands of transactions per day, often for pennies.

Traditional payment rails weren't built for this.

But here's what I noticed: while everyone was rushing to build "AI agent payment APIs," they were solving the wrong problem.

Agents don't just need **wallets**. They need **passports**.

---

## The Wallet vs. Passport framework

Think about traveling to another country.

You need two things:
1. **A wallet** (to pay for things)
2. **A passport** (to prove who you are)

Try entering a country with just a wallet full of cash. You won't get far.
Try entering with just a passport and no money. Same problem.

AI agents face the exact same constraint.

Stripe gives them a wallet (payments).
Okta gives them a passport (identity).
But nobody gives them both in one platform.

Until now.

---

## What we're building at Chimoney

![Chimoney AI Agent Wallets and Passport infrastructure overview](/uploads/chimoney_platform_for_ai_agent_wallet_and_passport_80db79a88b.png)
_Fig 1. Chimoney AI Agent Wallets and Passport infrastructure overview_


For the past 18 months, we've been quietly building what I believe is the first complete infrastructure for AI agents: **wallets AND passports, in one platform**.


Here's what that means in practice:
### 1) The Wallet Layer
- **Interledger payment pointers** (instant, low-cost payments across borders)
- **20+ stablecoins** supported across 5 blockchains
- **Micropayment streaming** (pay $0.0001 per second for API access)
- **130+ countries**, 10+ payment rails

### 2) The Passport Layer (via [APort](https://aport.io/) integration)
- **[W3C Decentralized Identifiers (DIDs)](https://www.w3.org/TR/did-1.1/)** for every agent
- **L4 financial-grade assurance** (backed by our KYC infrastructure)
- **Policy controls** (daily spending limits, approval workflows)
- **Immutable audit trails** for compliance (SOX, GDPR, HIPAA-ready)

### 3) Our regulatory foundation
This is the part that matters for anyone building in regulated industries:
- ✅ **Canadian MSB** (FINTRAC registered Money Service Business)
- ✅ **Bank of Canada PSP** (Payment Service Provider, recently approved)
- ✅ **One of the first production Interledger providers** (showcased at [Interledger Summit in 2024 and 2025](https://chimoney.io/blogs/an-inside-look-at-chimoney-s-interledger-integration-results-and-impact-so-far/))

Few companies have both licenses. This isn't just a product advantage, it's a **moat**.

---

## The market opportunity

Let me break down the competitive landscape:

| **Provider** | **Payments** | **Identity** | **Policy Controls** | **Compliance** | **Time to Integrate** |
|----------|----------|----------|-----------------|------------|-------------------|
| **Stripe** | ✅ Yes | ❌ No | ❌ No | ⚠️ Partial | 2-3 weeks |
| **Coinbase x402** | ✅ Yes | ❌ No | ❌ No | ⚠️ Partial | 1-2 weeks |
| **Okta** | ❌ No | ✅ Yes | ❌ No | ✅ Yes | 1-2 weeks |
| **Chimoney** | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | 5 minutes* |

_*Via chimoney.app visual platform. API integration takes 1-2 days if needed._

The integrated stack isn't just convenient, it's **necessary** for regulated industries. Finance, healthcare, legal can't use agents without compliance-ready infrastructure.

---

## Why this matters (beyond the hype)

I'm not interested in hype. I'm interested in building real infrastructure that solves real problems.

Here's what keeps me up at night: **autonomous systems need guardrails**.

An AI agent with a wallet but no policy controls is like a teenager with a credit card and no spending limit. Eventually, something goes wrong.

An AI agent with identity but no payment capability is like an employee with a badge but no paycheck. They can't actually do the work.

The future of AI agents isn't just about what they *can* do. It's about what we *allow* them to do, and how we prove they did it.

That's why we built Wallet + Passport as one platform.

---

## What we're launching this holiday season

Starting December 1st, we're running two campaigns to help developers experience what autonomous agent infrastructure actually looks like:

### 1. The 12 Days of AI Christmas (Dec 13-24)
- 12 daily challenges for building AI agents with payment capabilities
- Daily cash prizes
- Real-world use cases: research agents, data processors, API orchestrators
- Built-in policy controls so your agent doesn't drain your account

### 2. AI Secret Santa (Dec 1-20)
- Create an AI agent, give it a wallet with a $20 budget
- Your agent anonymously "gifts" another developer's agent by paying for their API usage
- Watch agent-to-agent transactions in real-time
- See how policy enforcement works (what happens when an agent tries to overspend?)

These aren't marketing gimmicks. They're live demonstrations of infrastructure that's production-ready today.

---

## The metrics that matter

Let me be transparent about where we are:

| **Metric** | **Current Status** | **Target (April 2026)** |
|--------|----------------|---------------------|
| **Transaction Volume** | Growing but low | Not the right metric yet |
| **Infrastructure Readiness** | 99.9% uptime, Multicurrency Wallets & Payment Orchestration | ✅ Production-ready |
| **Regulatory Foundation** | MSB + PSP licensed | ✅ Ahead of competitors |
| **Customer Traction** | Active API clients | Active Agent Infra Clients and Integrations |
| **Developer Experience** | API-first, adding visual platform | Agent Wallets Live at Chimoney App & API |

We're not leading with transaction volume because we're early. But we're leading with **infrastructure depth** that nobody else has.

---

## What comes next

Over the next four weeks, I'll be writing about:
- **Week 2 (Dec 1)**: The Secret Santa Problem—teaching AI agents to spend responsibly
- **Week 3 (Dec 8)**: Why identity matters more than payments for agents
- **Week 4 (Dec 15)**: Building trust in milliseconds—our vision for the agentic internet

If you're building AI agents and need them to transact, I'd love to talk.
If you're skeptical that 2025 is really "the year of AI agents," let's debate it.
If you think I'm missing something crucial about this market, tell me—I'm wrong a lot and learn fast.

You can find me on Twitter [@uchiuchibeke](https://x.com/uchiuchibeke) or try our platform at [chimoney.app](https://chimoney.app) or Book a [Private Tour](https://chimoney.io/?book_a_demo=1).

The future isn't AI agents with unlimited access to your bank account.
It's AI agents with **wallets, passports, and guardrails**.

Let's build it together.

---

## Join the Holiday Campaigns
- 🎄 **12 Days of AI Christmas** (Dec 13-24): Daily challenges and prizes for 12 days
- 🎅 **AI Secret Santa** (Dec 1-20): Agent-to-agent gifting with $20 budgets

Sign up for our [Subtack](https://chimoney.substack.com/) at learn more =>[ chimoney.substack.com](https://chimoney.substack.com/)

---


A deep dive into why 2025 is the inflection point for AI agent finance, outlining the market catalysts, competitive landscape, and how Chimoney’s combined wallet, identity, and policy infrastructure gives agents guardrails as well as money.

Why 2025 Is The Year AI Agents Get Their Own Wallets (And Passports)

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Web Monetization is an easy way for creators to earn directly from their audience and for supporters to instantly fund/support the content they love.

Chimoney makes this process simple by providing wallets that are fully compatible with web monetization for receiving and sending payments. In this guide, we’ll take you step-by-step through the process of setting up a Chimoney App account to sending or  receiving your first payment either as a supporter or a creator.

## Before You Begin
You’ll first need to download the Chimoney App and complete your KYC (Know Your Customer) verification.  Get the app from the [**Play Store (Android)**](https://play.google.com/store/apps/details?id=com.usescrim.app) or [**App Store (iOS)**](https://apps.apple.com/us/app/chimoney-app/id6444027378). Once it’s installed, you’re ready to follow the steps below:

#### 1. Create Your Account
- On the welcome screen, enter your email, username, and a secure password or sign up with Google or Apple.

![Web Mo 1.png](/uploads/Web_Mo_1_c401728ec4.png)

- Check your email for a 6-digit code, then enter it in the app to verify your email.

![Web Mo2.png](/uploads/Web_Mo2_e2d9636d0e.png)

- Set up a 4-digit PIN (used for logging in and approving transactions). Confirm it on the next screen.

![Web Mo 3.png](/uploads/Web_Mo_3_e82f0b7020.png)

#### 2. Claim Referral (Optional)
- If you have a referral code, enter it and tap 'Confirm Referral Code.'
- If you don’t have one, tap 'Skip'. You can complete the KYC process on the next screen.

![Web Mo 4.png](/uploads/Web_Mo_4_027397f5ac.png)

#### 3. Complete Your KYC
- **On the Personal Info screen:** Enter your full name, country of residence, and occupation. Then click on 'Next Step.'

![Web Mo 5.png](/uploads/Web_Mo_5_deb5854165.png)

- **On the Verify Phone screen:** Enter your phone number and click on 'Send Code'. You’ll receive a code via WhatsApp. Enter it in the app and tap 'Verify OTP'.

![Web Mo 6.png](/uploads/Web_Mo_6_023c214cf6.png)

- **Finally in the  ID Verification screen:** Upload a valid government-issued ID (Driver’s License, National ID, Passport, or Voter ID). Then take a clear selfie holding your ID next to your face.

![Web Mo 7.png](/uploads/Web_Mo_7_84af49f65b.png)

![Web Mo 8.png](/uploads/Web_Mo_8_5abcce446e.png)

#### 4. Submission & Approval
- After uploading your ID and taking a selfie as directed, you’ll see a confirmation message.
- The Chimoney Compliance team will review your submission within 24 hours.
- You’ll receive an email with feedback on your KYC review decision, including your account’s transaction limits if your verification is app

![Web Mo 9.png](/uploads/Web_Mo_9_7b335151b7.png)
___
## How to get your wallet Address on the Chimoney App

When your KYC is approved on the Chimoney App, your account is automatically issued an Interledger Wallet Address, navigate to the ‘Account tab’ and click on ‘Interledger Wallet Address’, your wallet address  should look like this: `https://ilp.chimoney.com/username ` or `https://ilp.chimoney.com/123456 `

![Web Mo 10.png](/uploads/Web_Mo_10_88f33aa10a.png)

> **Note**: If you’re a supporter, you’ll need this wallet address to connect to the Web Monetization extension. If you’re a creator, this is the wallet address you’ll add to your website so supporters can pay you directly. Kindly copy it for use in the next steps.
___

Depending on if you’re a supporter or creator, the next steps may be a bit different for you.

- If you’re a supporter, follow the steps under **‘How to get started as a supporter.’**
- If you’re a creator, scroll to **‘How to get started as a Creator’** and follow the steps.

___

## How to Get Started as a Supporter

To support/send money to creators here’s what to do:

#### 1. Fund Your Wallet
In order to be able to make web monetization payments on the Chimoney App, your **USD wallet** needs to have a positive balance:
- On the homepage, click on 'Wallet Funding'.
- Enter the amount and select USD as your currency.
- You will be taken to the Chimoney checkout page where you can complete the funding process depending on your preferred payment rail / location.
- Upon successfully completing the payment, your USD wallet balance should be credited with the amount funded.

![Web Mo 11.png](/uploads/Web_Mo_11_1d4b796ecf.png)

#### 2. Install the Web Monetization Extension
You can Install it from:
- [Chrome Web Store](https://chromewebstore.google.com/detail/web-monetization/oiabcfomehhigdepbbclppomkhlknpii?utm_source=webmonetization.org&utm_campaign=supporters_get_started)
- [Firefox Add-ons](https://addons.mozilla.org/en-US/firefox/addon/web-monetization-extension/?utm_source=webmonetization.org&utm_campaign=supporters_get_started)
- [Edge Add-ons](https://microsoftedge.microsoft.com/addons/detail/web-monetization/imjgemgmeoioefpmfefmffbboogighjl?utm_source=webmonetization.org&utm_campaign=supporters_get_started)

![Web Mo 12.png](/uploads/Web_Mo_12_0ae14b3816.png)

#### 3. Connect Your Chimoney App Wallet
- Open the extension, copy and paste your wallet address from the Chimoney App into the extension.

![Web Mo 13.png](/uploads/Web_Mo_13_eae7738300.png)

- Set your spending budget, this will be allocated from your Chimoney App USD wallet.

![Web Mo 14.png](/uploads/Web_Mo_14_7f2e3600e1.png)

- Click ‘Connect,’ to move to the next step.

![Web Mo 15.png](/uploads/Web_Mo_15_2ce4b7aca8.png)

- Click agree to enable the extension to initiate the process of adding a secure key to your wallet.

![Web Mo 16.png](/uploads/Web_Mo_16_8d4e06a38a.png)

- You will be redirected to the Chimoney App Web Monetization login screen where you can sign in with your Chimoney App email and password on your web browser. Sign in with the same login details or method you use for your Chimoney App account.

![Web Mo 17.png](/uploads/Web_Mo_17_e501a5bf6c.png)

![Web Mo 18.png](/uploads/Web_Mo_18_ba8f11017b.png)

#### 4. Authorize wallet access
- You will then be redirected to approve the Web Monetization Extension’s request to access your Chimoney App Wallet.

![Web Mo 19.png](/uploads/Web_Mo_19_a3681c23b1.png)

- Click ‘Accept’ and you will be redirected to a page confirming that "Your wallet is now successfully connected to the extension."

![Web Mo 20.png](/uploads/Web_Mo_20_5d852dc711.png)

That’s it, you’re ready to support creators!

Next, we’ll cover how to get started as a creator. If you’d like to learn how to send a payment as a supporter, you can skip ahead to the ‘_How to Support a Creator (Send Money to a Creator)_’ section.
___

## How to Get Started as a Creator
To get started as a creator, you need to add your Chimoney App Wallet Address to your Website:
- In your site’s `<head>` tag, paste the following HTML code: 

` <link rel="monetization" href="https://ilp.chimoney.com/yourusername" />`

- Replace `https://ilp.chimoney.com/yourusername` with your correct wallet address copied from the Chimoney App.
- Once added, supporters with Web Monetization extension can start sending you payments as they browse your content.

> **Tip**: If you use no-code platforms like Carrd, Ghost, or Wix, look for a Custom Code or Header Code option in the site settings. If you’re unsure, ask your web admin or a developer friend for help.

___

## How to Support a Creator (Send Money to a Creator)

Once your wallet is funded and connected to the Web Monetization extension, you can start sending money to your favorite creators. There are two ways to do this:

#### 1. Continuous Payments
When you visit a Web Monetized site, the extension will automatically begin streaming micro-payments to the creator in real time as long as the page is open and active. The default rate is $0.60 per hour sent as micropayments of $0.01 or $0.02. These payments are being sent because the extension has ‘continuous payments’ toggled on by default. 

![Web Mo 22.png](/uploads/Web_Mo_22_756a91b3b4.png)

After continuous payments have been streamed via the extension, you can check your Chimoney App wallet to confirm the payouts. You will see ‘Web Mo Payout’ transactions in your transaction history, showing that you have been sending Web Monetization payments.

![Web Mo 23.png](/uploads/Web_Mo_23_92781cf800.png)

Payments are automatically paused if:
- You switch tabs,
- You minimize the browser,
- You close the tab,
- Or your budget runs out


To adjust or turn off continuous payments:
- Click the Settings (⚙️) icon in the extension.

![Web Mo 21.png](/uploads/Web_Mo_21_60ff6665ae.png)

- Navigate to the 'Rate tab'.
- Change the rate or toggle continuous payments off.

#### 2. One-Time Payments
You can also support creators with specific amounts, as long as those amounts do not exceed your wallet balance.
- Enter the amount you want to send (must be within your set budget).
-  Click 'Send Now'.

![Web Mo 24.png](/uploads/Web_Mo_24_fb5c957e5c.png)

As shown below, the payment has been successfully sent to the creator’s wallet and the supporter’s wallet has been debited. Also note that the wallet address of the creator is shown in the transaction details.

![Web Mo 25.png](/uploads/Web_Mo_25_be85fca9d1.png)

![Web Mo 27.png](/uploads/Web_Mo_27_8e574864fc.png)

Sometimes, you might see the notification below after making a payment. Don’t worry, simply check your Chimoney App wallet balance and transaction history to confirm the payment.

![Web Mo 26.png](/uploads/Web_Mo_26_83c2d250e5.png)
___
### What Happens After a Supporter Sends a Payment
Once a supporter sends payment to a creator, the money is instantly deposited into the creator’s Chimoney App wallet. The creator will receive:

- An email notification confirming they’ve received a payment.

![Web Mo 28.png](/uploads/Web_Mo_28_568c0283ce.png)

- ‘Web Mo Deposit’ Transactions in their transaction history, showing that they have received Web Monetization transactions.

![Web Mo 29.png](/uploads/Web_Mo_29_a29f0f119e.png)

As shown above, for each transaction received, the wallet address of the supporter is attached.


> Note: Web monetization payments are anonymous, the creator will not see the supporter’s personal details.

Creators can then withdraw their earnings using any of the following methods:
- **Direct Bank Cashout** – available in Mexico, Canada, U.S., Nigeria.
- **Mobile Money Cashout** – available in 14 countries.
- **Instant Transfer** – SPEI in Mexico, Interac e-Transfer in Canada.
- **Send to Email or Phone Number** – for flexible cashout options in even more countries.

___
## Need Help?
If you need assistance along the way, visit the [**Web Monetization Support Page**](https://helpcenter.chimoney.app/hc/live/en/categories/web-monetization) for step-by-step guides and answers to common questions. Our support team is also available through the Chimoney App if you encounter any issues during setup.

Learn how to earn as a creator or support your favorite content with Web Monetization using Chimoney. Follow our step-by-step guide to set up your wallet, complete KYC, and start sending/receiving payments instantly!

How to Get Started with Web Monetization using Chimoney App

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## Introduction
Welcome to the next chapter of Chimoney's journey! We're excited to announce a groundbreaking collaboration that's set to redefine the landscape of global payouts. [Chimoney has partnered with Corpay](https://finance.yahoo.com/news/chimoney-corpay-collaborate-revolutionize-global-140000393.html), a FLEETCOR® brand  and global leader in business payments.

## Exploring the Partnership:
At Chimoney, we've always been on a mission to connect payment systems worldwide. This partnership with Corpay amplifies that mission. Imagine a world where all cross-border transactions are as easy as sending an email or text message. Bringing that level of ease to everyone is what this collaboration is all about.

## Benefits for Chimoney Users:

Through this partnership, Chimoney users will enjoy: 
- Access to Corpay's Cross-Border solutions. 
- Access to more cash out options and [payouts to bank accounts in the 130+ countries](https://chimoney.io/payouts).

Those are just a few of the immediate benefits this partnership will bring to our users, more impactful improvements are being worked on as we speak. Watch this space!

## Insights from the Partnership:
“Corpay is very pleased to announce our commercial partnership with Chimoney. I have no doubt that Chimoney’s customer base can benefit greatly from our specialized service and access to our comprehensive cross-border payments and currency risk management solutions.” said Frank Mannarino, Vice President and head of Channels and alliances, at Corpay Cross-Border Solutions. “The team at Corpay is excited to build long-term business partnerships with customers and power their international payments, help them execute their plans to manage their currency risk, and support their growth internationally.”

For us at Chimoney, this collaboration is more than just a business partnership; it's a commitment to supporting the growth of of clients on an international scale. 

Our vision at Chimoney is clear: [To connect all payment networks globally](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney), enabling people everywhere to get paid with minimal complexity. This partnership ensures compliance with local regulations and leverages Corpay's expertise to manage foreign exchange risks, reducing complexities for our users and corporate clients.

Our Founder and CEO, Uchi Uchibeke also expressed his enthusiasm at what the partnership can bring, saying: “This collaboration with Corpay amplifies our vision of creating seamless access to more payout options and countries. With Corpay’s expertise and platform, we are poised to offer our customers access to a more expansive and efficient payout ecosystem. This is not just a partnership; it’s a synergy where innovation meets scale. For businesses and partners, it’s clear: Chimoney is setting new standards in fintech, constantly pushing boundaries, and striving for excellence".

## Our Final Thoughts:
This collaboration is a significant step in alignment with our commitment to financial inclusion, economic empowerment, and a frictionless payout experience. We're not just partnering with Corpay; we're creating a synergy where innovation meets scale for the greater good of the world.

## Let's work Together
The Chimoney team is ever ready to keep innovating and shaping the future of global payouts. [Book a demo with us now to see how we can help facilitate seamless payments for your business!](https://chimoney.io/book-a-demo)


Learn about the biggest news in the world of global payouts, Chimoney's groundbreaking collaboration with Corpay. Uncover how this partnership enhances cross-border payment solutions, offering users unparalleled flexibility. Join us on this journey where innovation meets scale, setting new standards in fintech.

Innovation Meets Scale: Chimoney Forges An Impactful Partnership With Corpay

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Cross-border remittances remains one of fintech's most persistent challenges as traditional payment infrastructure creates unnecessary friction in building truly global applications. 

[Chimoney and Interledger](https://chimoney.io/blogs/chimoney-and-interledger-expanding-global-financial-access/) partnered in an effort to solve the three main challenges faced in cross-border transfers; high cost, slow processing and lack of transparency. Let's dive into how the integration of Chimoney with Interledger Protocol (ILP) solves these challenges.

## Understanding the Cross-Border Challenge
The technical complexities of [cross-border payments extend far beyond simple currency conversion](https://chimoney.io/blogs/chimoney-s-guide-to-navigating-cross-border-payments-and-global-expansion/). Each region has its own payment rails, compliance requirements, and preferred payment methods. Building direct integrations with each system is impractical for most development teams, yet using traditional banking rails means accepting high fees and slow settlement times.

## The Power of Chimoney + ILP Integration
What makes the Chimoney-ILP combination particularly powerful is how it abstracts complexities while maintaining flexibility. Through a single integration with Chimoney's API, developers can access services like P2P wallet transfers, powered by the Interledger Protocol (ILP) and enabled through payment pointers.

The technical implementation leverages ILP's packet switching for value transfer, similar to how the internet routes data packets. By integrating Interledger’s open payments API, [Rafiki](https://rafiki.dev/overview/concepts/interledger/), Chimoney enables the issuing of payment pointers and the transfer of value from one payment pointer to another without the traditional complexities associated with cross-network transactions, such as intermediary fees or delays.

## Core Technical Capabilities

From an implementation standpoint, you get:
- [Payment pointers](https://chimoney.io/usecases/interledger-issue-payment-pointers/) for simplified addressing (think email addresses for payments)
- [Transfer of value](https://chimoney.io/usecases/interledger-receive-and-send-payments/) between payment pointers.

## Real Use Cases
Integrating Chimoney’s Interledger Protocol (ILP) enabled solutions opens up numerous possibilities across various sectors. Here, we will explore two detailed use cases: building a freelance marketplace and creating an emergency aid distribution system for NGOs.

### Use Case 1: Freelance Marketplace
![Interledger blog 2.png](/uploads/Interledger_blog_2_1a2c3f2038.png)

Chimoney's API can significantly streamline payment processes in a freelance marketplace. Here’s a step-by-step breakdown of how this integration works:

**Step 1: Multi-Currency Wallet Setup**

_Create Wallets_: Set up Chimoney multi-currency wallets (USD, CAD, NGN) for both freelancers and payers. This allows transactions in various currencies, accommodating users from different regions.

**Step 2: Issue Payment Pointers**

_Generate Payment Pointers_: Create unique payment pointers for both the freelancer and the payer. These pointers serve as simplified addresses for sending and receiving payments, similar to email addresses.

**Step 3: Payment Flow**

_Task Completion_: Once the freelancer completes a task, they notify the payer that the work is done.

_Initiate Payment_: The payer sends payment directly to the freelancer’s wallet by transferring funds from their own payment pointer to the freelancer’s payment pointer.

### Use Case 2: Emergency Aid Distribution System for NGOs
![Interledger blog 3.png](/uploads/Interledger_blog_3_1ff38a5725.png)

Another application of Chimoney's ILP integration is in the development of an emergency aid distribution system for non-governmental organizations (NGOs). 

Here’s how it can be structured:

**Step 1: Multi-Currency Wallet Creation**

_Set Up Separate Wallets_: Create distinct multi-currency wallets for different aid programs within the NGO. This organization helps track funds allocated to various initiatives.

**Step 2: Issue Payment Pointers**

_Generate Payment Pointers for Beneficiaries and the Organization_: Both the organization and each beneficiary are assigned unique payment pointers linked to their respective wallet accounts. These payment pointers allow for easy identification and tracking of aid distribution.

**Step 3: Instant Value Transfer**

_Disbursement of Funds_: When aid is ready to be distributed, the NGO can instantly transfer value from its program-specific wallets to the beneficiaries' wallets using their respective payment pointers.

## Chimoney App Case Study
![Interledger blog 4.png](/uploads/Interledger_blog_4_271645dd76.png)

[The Chimoney App](https://chimoney.app/), powered by the Interledger Protocol (ILP), is transforming peer-to-peer payments for Canadians by eliminating the need for traditional banking intermediaries. When users create an account, they are assigned a unique Interledger Payment Pointer, which acts as a simplified identifier for direct money transfers. 

The ILP integration ensures secure and compliant transactions while simplifying the payment process with its interoperable infrastructure. 

To discover more about the Chimoney App and its features, click [here](https://chimoney.app/blog/chimoney-app-transforming-how-canadians-achieve-financial-freedom).

## Future Developments
An exciting upcoming development is Chimoney’s integration of Web Monetization, which, still building on the foundation of the Interledger Protocol (ILP) , transforms the way value is transferred online allowing websites and applications to stream payments in real time. 

Leveraging this technology, Chimoney aims to make monetization more accessible, seamless, and inclusive for creators, developers, and businesses globally.

Through the integration of Web Monetization with Chimoney, users can:
- **Earn Micro-Payments in Real Time**: Websites and platforms can stream payments directly to creators via Chimoney Payment Pointers, bypassing the need for traditional ad-based revenue models.

- **Enable Inclusive and Global Monetization**: With Chimoney’s multi-currency wallets and global reach, value can be transferred across borders efficiently, breaking down geographical and financial barriers.

- **Enhance Engagement and Transparency**: By rewarding users instantly for actions like engaging with content, completing tasks, or contributing to open-source projects, Chimoney enables a frictionless, privacy-respecting monetization model.

## Conclusion
The combination of Chimoney and ILP represents a significant step forward in making cross-border value transfer accessible to companies and developers alike. 
Ready to start implementing? Check out the [Chimoney API documentation](https://chimoney.readme.io/reference/post_v0-2-accounts-issue-wallet-address). The future of cross-border payments is being built one integration at a time!


Learn how Chimoney and Interledger are revolutionizing cross-border remittances through low-cost, fast, and transparent payment solutions for global transactions.

Building the Future of Cross-Border Remittances with Chimoney and Interledger

large_Chimoney and Techstars.png

medium_Chimoney and Techstars.png

small_Chimoney and Techstars.png

thumbnail_Chimoney and Techstars.png

Chimoney and Techstars.png

From the bustling streets of Nigeria to the heart of Canada's tech hubs, here's how Chimoney is set to change the financial world, backed by Techstars. 🚀🌟

I am excited to share that we're now backed by [Techstars](https://www.techstars.com/portfolio?q=chimoney), one of the world's most renowned startup accelerators!

But how did we get here? What are we doing right now? And where are we doing?

At the heart of every invention lies a story, often deeply personal and rooted in real-world challenges. My journey with Chimoney is no different. When I first conceived the idea of Chimoney, it was more than just another fintech venture. It was a vision - a dream to connect every payment network globally, ensuring seamless fund flow to anyone, anywhere, regardless of currency, country, or financial status. Today, as I sit down to write about this significant milestone in Chimoney's journey, I'm overwhelmed with a whirlwind of emotions, gratitude and excitement, and memories.

&nbsp;
## From Nigeria to Canada: A Dream, A Struggle

My journey into the world of fintech was not just a mere business endeavor. It was personal.  Growing up in Nigeria, I've seen the challenges people face when making cross-border transactions or simply trying to get paid for their hard work. The barriers, the delays, the fees - it seemed so unnecessarily complicated. 

Moving from Nigeria to the snowy landscapes of Canada was a decision fueled by dreams of a brighter future. The UofS promised a world of opportunities. But those dreams were soon clouded by the harsh realities of financial struggles, an outcome of government instability back home. Each day became a race against time, with the looming threat of unpaid tuition and a [jeopardized student visa status and deportation.](https://medium.com/@uchi/i-could-not-pay-my-tuition-and-i-almost-dropped-out-of-university-79fdb54414)

Yet, amidst this chaos, the dream persisted. Through sheer determination and countless hours of hard work, I not only graduated but went on to contribute to tech giants like Shopify, RBC, and IBM Canada. Success in the corporate world, however, didn't mean the end of my journey; it was just the beginning. Today marks the beginnings of another new beginning for Chimoney!

&nbsp;
## The Birth of Chimoney
Inspired by the zeal to give back and create a community to connect ambitious Africans to tech opportunities globally, I founded AfricaHacks, a platform nurturing innovation and entrepreneurship among African youth. But an all too familiar challenge resurfaced. Paying winners spread across Africa and in 10 other nations became a painstaking task, echoing the financial challenges I faced years ago.

This obstacle, ironically, became the inception of Chimoney. A platform designed not just as a business but as a solution to a problem millions face daily.

&nbsp;
## What Sets Chimoney Apart
In a world teeming with fintechs, what sets Chimoney apart? What sets Chimoney apart is not just its audacious vision but also its proven capability. Our system is designed to manage high-volume payouts across countries, geographies, and payment networks, ensuring businesses can trust us for their most demanding payment needs. Our unwavering commitment to creating a platform free from regulatory risks. Imagine a world where businesses could send money globally using just an email or phone number. A world where recipients, irrespective of where they are, can access their funds seamlessly, cashing out through banks, mobile money, airtime, crypto and more.

The global payments ecosystem is vast, with trillions flowing cross-border annually. As businesses expand their horizons and remote work embeds itself in our culture, the quest for straightforward, secure global payouts is more relevant than ever. Chimoney taps into this immense potential, offering a solution that's both innovative and intuitive.

Yet, every innovation comes with its set of challenges. In the fintech world, it's the intricate labyrinth of regulations and the ever-present foreign exchange risks. But, Chimoney turned these challenges into opportunities. By forging alliances with local entities globally, we ensure adherence to regional regulations, simultaneously leveraging local expertise to mitigate foreign exchange risks. This local-global approach ensures our users experience unparalleled convenience without the usual hassles.

Our vision goes beyond just transactions; we aim to seamlessly facilite the flow of funds, ensuring businesses can trust us as the ONE PLATFORM with their high-volume payout needs across all countries, geographies and payment networks with security, and compliance priortized.

**Today, Chimoney’s solutions are tailored for:**
- Global businesses trying to remunerate remote teams, contractors, affilaites and community members.
- Reward platforms aiming to simplify payouts and reward redemption.
- Gig economy platforms trying to streamline payments.
- And any business that values the power of truly global transactions.

With the global payouts market expanding rapidly, Chimoney offers an unmatched solution that promises not just social impact but a robust business model.

Are you a business looking to simplify your global payouts? [Discover how Chimoney can revolutionize your payment processes.](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney)


[![Chimoney - Homepageimage_.png](/uploads/Chimoney_Homepageimage_3d7827b4b0.png)](http://chimoney.io/)

&nbsp;
## How Chimoney works

With Chimoney, anyone can [send bulk payouts](https://chimoney.io/payouts) to emails or phone numbers with just a few clicks. There's no need to collect complicated bank details. Whether you need to pay one person or a million people, we've got you covered.

The process is essentially the same, and our users can send bulk payments to a global audience, saving them a lot of time and headaches. Efficiency is at the core of what we do. We're here to streamline the process, eliminate the hurdles, and make financial transactions a breeze.

In a world where traditional banking systems can be slow, expensive, and exclusionary, Chimoney offers a refreshing alternative.

We also provide other fintechs with access to our Chimoney APIs, giving them a chance to scale without breaking the bank and supercharge their growth to effectively serve their markets. Our support for these startups allows them to access Chimoney’s partner perks and discounts, send global payouts, convert payments from multiple currencies, and cash out to bank accounts, mobile money, 300+ gift cards, and airtime in 15 currencies while earning profit – all this with our 24/7 dedicated support.

At Chimoney, we believe that by uplifting others, we have a greater chance to achieve our mission of unlocking economic opportunity for everyone.

&nbsp;
## Chimoney x Techstars: A Match Made in Startup Heaven

Our alignment with Techstars is a testament to our vision and the potential they see in Chimoney. Techstars is renowned for nurturing startups, providing mentorship, investment, and resources that propel startups to new heights of success. The program aligns seamlessly with our vision of simplifying global payments and fostering financial and economic empowerment.

As we embark on this new chapter, our commitment remains unwavering: to revolutionize global payouts, making them as simple as sending an email.


Our acceptance into Techstars Toronto is a validation of our vision and the impact we're making. We're excited to work with Techstars to accelerate our growth and further our mission of financial inclusion.


&nbsp;
### Why Techstars?

Techstars, with its proven track record of nurturing startups into industry-leading giants, resonated with our mission. Their faith in our vision is not just about funds; it's a testament to the potential they see in us. It's about collaboration, growth, and pioneering innovations. When you think of top companies emerging from accelerators, Techstars always makes the list, often debated alongside names like Y Combinator.

[![Uchi Uchibeke, Sunil Sharma at IDEA.jpeg](/uploads/Uchi_Uchibeke_Sunil_Sharma_at_IDEA_971ab730e0.jpeg)](https://www.linkedin.com/feed/update/urn:li:activity:7082342164264878080?utm_source=share&utm_medium=member_desktop)
_Vinay Paramanand, City of Mississauga, Ontario, Sunil Sharma, Managing Director, Techstars Toronto with Uchi Uchibeke, CEO, Chimoney_

&nbsp;
## A Personal Note from Uchi

As I reflect on this significant milestone, I'm reminded of the African Proverb quote “If you want to go fast, go alone, if you want to go far, go together”. This journey, from conceptualizing Chimoney to now partnering with Techstars, has been filled with challenges and triumphs. But the consistent thread through it all has been the unwavering support from our users, our team, and believers in our vision. And we are constantly looking to collaborate and form strategic partnerships that align with our mission and propel us to new heights.

To our potential partners and clients, I invite you to experience the Chimoney difference. Let's redefine global payouts together.

And to our users, partners, and every individual who's been a cornerstone in our journey, a heartfelt thank you. The future of global payouts is here, and together, we're writing its story!

&nbsp;
## The Road Ahead

At Chimoney, we believe in a world without financial borders. With Techstars by our side, we're gearing up for rapid growth and innovation. We'll be diving deeper into research, refining our offerings, and expanding our reach. For our B2B clients, this means even more robust, reliable, and efficient global payout solutions. It's about ensuring that no matter where your team or clients are, Chimoney has got you covered.

We are also actively exploring strategic collaborations to accelerate our trajectory and make global payouts even more accessible.

&nbsp;
## Connect with Chimoney?

- Want to stay connected with all the updates and news from Chimoney?
- You can join the [Chimoney community](https://discord.gg/Q3peDrPG95) and subscribe to our [monthly newsletter](https://chimoney.substack.com/). 
- You can also connect with us on social via our [LinkedIn](https://www.linkedin.com/company/chimoney/) and [Twitter](https://twitter.com/home) pages.


Experience the future of payments - [Book a demo Now](https://chimoney.io/payouts?book_a_demo=1)!

---


Chimoney's partnership with Techstars marks a turning point in global payments, working towards economic empowerment for all. Discover how we're simplifying finance and fostering inclusion.

Techstars backs Chimoney to Revolutionize Global Payouts

Chimoney Wallet

INTERAC™ e-Transfer 🇨🇦

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Interledger Wallet

Chimoney App

Virtual Card

Get airtime to use for online learning, conferences, calls, data and more.

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United States

To start watching, Go to http://www.netflix.com/code and enter the code

Netflix US

Visit http://www.target.com on your computer or mobile device. Sign into your account and add this gift card.

Target US

To redeem, visit https://www.airbnb.com/gift

Airbnb US

Redeem online at https://www.walmart.com or Samsclub.com

Walmart USA US

Go to the Payment section in the Uber app, add Payment Method, select Gift Card and Enter Gift Code.

Uber US

Uber Eats US

Visit https://www.starbucks.ca to redeem your gift

Starbucks US

Visit www.amazon.com/redeem and enter the Claim Code when prompted.

Amazon US

To redeem, enter code in the Play Store app or https://play.google.com/store

Google play US

Description:
The Swype Prepaid Visa offers a seamless and flexible way to shop anywhere Visa is accepted. Available in open denominations, it can be used online, in-store via digital wallets, over the phone, or through mail order.

Redemption Instructions:
The activation link is valid for 60 days from the date it is generated. Please make sure to activate your card before the link expires. After 60 days, the link will no longer work and you will not be able to redeem your card.

How to use:
Swype, Tap, Go – It’s That Easy with Swype!
Shopping made simple: Use your Swype Prepaid Visa® online, in-store with Apple Pay or Google Pay, or even by phone or mail order. Wherever Visa is accepted, Swype has you covered.

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How to Use Your Swype Prepaid Visa®
Using your Swype card is fast, easy, and flexible:

Shop Online: Simply enter your card details at checkout.
In-Store Purchases: Add your Swype card to Apple Pay or Google Pay and tap to pay.
Phone or Mail Orders: Provide your card information just like any regular payment.

With Swype, you can shop confidently anywhere Visa is accepted.

To redeem go to: https://www.swype.cards

Terms & Conditions:
This card is not available for issuance in certain countries and regions due to regulatory, compliance, or operational limitations. Swype.cards reserves the right to amend this list at any time to ensure alignment with applicable laws, international sanctions, and internal policies.
Users attempting to obtain or use this card in restricted regions may have their transactions declined or accounts suspended.

Restricted Locations:

Africa:
Sudan

Americas:
Cuba
Venezuela

Asia:

Iran
North Korea

Europe:
Russian Federation
Crimea region of Ukraine (disputed territory but geographically in Europe)

To help you protect your prepaid card activations, please leverage on the following security feature: the recipientEmail parameter.
How it works:
By providing the recipientEmail, you ensure that only the specified email address can access the activation link for the card. This adds a crucial layer of protection against unauthorized access.
Important Notes:
Adding the recipientEmail is optional, but strongly recommended for enhanced security.
Reloadly and Swype.cards do not send activation links directly to cardholders.
This feature solely restricts access based on the email you provide.
Disclaimer:
If you do not provide the recipientEmail parameter, Reloadly is not liable for any issues, misuse, or security breaches caused by unsecured card activation links.

Disclaimer:
Swype.cards is not responsible for lost or stolen cards. The card issuer reserves the right to modify, suspend, or discontinue this product at any time without prior notice. Terms and conditions apply.



Swype Global Virtual Visa® 3 years ($5 to $99.99) US USD

Go to apple.com/redeem to add to your Apple Account balance.

App Store & iTunes US

To redeem code go to https://www.minecraft.net/en-us/redeem/minecoins

Minecraft US

To redeem, please visit https://www.invitefitness.com/fibit-trackers

InVite Fitness, LLC US

To redeem, visit https://www.binance.com/en/gift-card

Binance Global (USDT) US

To redeem visit https://cryptogiftcard.io/

Crypto Giftcard US

Visit the Redemption Website:  www.rewarble.com/redeem.
Enter Rewarble Code: Input the unique code from your Rewarble card.
Provide Necessary Details: Enter additional information, such as your email address, if required.
Receive Virtual Visa Code: Instantly receive your Virtual Visa code for immediate use.
Use Virtual Visa Code: Begin using your Virtual Visa code for online transactions.

Rewarble VISA Global US

LOGIN TO YOUR STEAM ACCOUNT, CLICK ON YOUR ACCOUNT NAME -> ACCOUNT DETAILS -> ADD FUNDS TO YOUR STEAM WALLET -> REDEEM A STEAM WALLET CODE

Steam US

To redeem https://rewarble.com/redeem Validity: 1 Year

Rewarble Mastercard USD US

Redemption Instructions
Visit www.rewarble.com/redeem

Enter your Gift Card number and click Redeem

Provide the recipient’s PayPal account email and click Confirm

The account will be topped up instantly

Validity: 9 months from date of issue

Paypal US

Redemption Instructions:
Redeem Online, In-Store, Save to Digital Wallet: amexrewardcard.com/using-your-card (How to Use)

American Express® Virtual Reward Card (6 Month Expiration) US

Visit https://www.timhortons.ca/ to redeem your gift

Tim Horton's CAD US

To redeem, please visit https://www.samsclub.com

Sam's Club US

How to Redeem a lululemon eGift Card: To redeem in-store, print out your eGift Card page and present at time of purchase, or show the barcode on your mobile device.
To redeem online, just follow these easy steps:
Step 1: On the Checkout page in the Payment section, enter your Gift Card number and PIN number.
Step 2: Hit the “Apply” button. You will see the Gift Card amount deducted from your total order.

Lululemon US

How to get on the road
1. Open the Lyft app
2. Tap the menu icon in the top left corner
3. Tap the ‘Payment’ tab
4. Tap ‘Gift card’ and follow the instructions in the app 

lyft USA

How to Use:
Visa® eReward Cards can be used online, in-store through digital wallets, over the phone, or through mail order.

The card cannot be used for:

3rd Party Money Apps: Venmo, CashApp, PayPal
Recurring Subscriptions
Online Grocery Orders
Food Delivery/Taxi Apps: DoorDash, GrubHub, Uber

EXPIRY AND VALIDITY:
Expires 6 months from the issue date


Visa® Reward Virtual Account, 6 Month Expiration (USA Use Only) US

HOW TO USE:

The Virtual Account may be used online, over the phone, or in-store with a digital wallet wherever Visa debit cards are accepted in the U.S. and the District of Columbia. It cannot be used to obtain cash from any ATM or point-of-sale transaction.

Restrictions:
The card cannot be used towards:

3rd Party Money Apps: Venmo, CashApp, PayPal
Recurring Subscriptions
Online Grocery Orders
Food Delivery/Taxi Apps: DoorDash, GrubHub, Uber

Visa® Reward Virtual Account, 12 Month Expiration (USA Use Only) US

This prepaid gift card is redeemable online at Nordstrom.com, NordstromRack.com, and HauteLook.com.

Nordstrom US

To redeem, please visit https://www.dunkindonuts.com

Dunkin US

To redeem, visit us at http://www.redlobster.com

Red Lobster

To redeem, go to https://www.stubhub.com/my/rewards

StubHub US

To redeem, please visit https://www.dickssportinggoods.com

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Enter the 13-digit code, click Apply -> Continue. Log into your PayPal account. Confirm and Pay.

eBay US

To redeem, please visit https://www.chipotle.com

Chipotle US

Call SiriusXM Customer Care at 1-866-635-2349 or go to care.siriusxm.com

SiriusXM US

Go to etsy.com/redeem
Login or create an Etsy account
Follow the on-screen prompts
This balance is automatically applied to any future purchases from shops that accept Etsy gift cards. You won't need to enter your code again

Etsy USA

This card is redeemable online anywhere Visa debit cards is accepted. Use the link shared with this Gift Voucher to redeem the card. A valid USA phone number that supports incoming SMS and an address are required. A valid USA phone number that supports incoming SMS and an address are required. Terms and conditions apply. 



Virtual Visa Reward 6-Month, 90 Days to Redeem only  US

To redeem, please visit https://www.grubhub.com

GrubHub US

To redeem, please visit https://www.delta.com

Delta US

Description:

Use your Visa Prepaid card anywhere Visa debit cards are accepted around the world. 12-month expiration, Digital only. 

Visa Prepaid US $1 to $150

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Proceed to your cart to checkout. and input the eGift Card Number and PIN as method of payment at checkout.

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Rentacar Gift US

Chimoney is your gateway to efficient cross-border payments, multi-currency wallets, and global payouts. Experience secure, real-time transactions across 130+ countries with our scalable API solutions.

The first
Passport & PaymentInfrastructure
for AI & Humans

Trusted by

Trusted by global Tech Leaders

Multiple services in every country

Infrastructure that scales with you

Identity & Wallets

Agentic Payments

Payment Orchestration

Stay updated with activities at Chimoney

How to Get Started with Web Monetization using Chimoney App

Why 2025 Is The Year AI Agents Get Their Own Wallets (And Passports)

Backed by

The firstPassport & PaymentInfrastructurefor AI & Humans

Trusted by

Trusted by global Tech Leaders

Multiple services in every country

Infrastructure that scales with you

Identity & Wallets

Agentic Payments

Payment Orchestration

Stay updated with activities at Chimoney

How to Get Started with Web Monetization using Chimoney App

Why 2025 Is The Year AI Agents Get Their Own Wallets (And Passports)

Backed by

The first
Passport & PaymentInfrastructure
for AI & Humans