One wallet.
Every rail.

ChatFi is non-custodial, which means your private keys live on your device, not on ChatFi's servers. We never hold your funds and can never freeze or access them. Every transaction settles directly on the Solana blockchain, so you can verify it independently at any time. This matters especially for Nigerian users who've seen platforms restrict access to funds — with ChatFi, that simply isn't possible by design.

ChatFi Store lets anyone open a storefront the same day they decide to sell something, live at their own yourname.chatfi.pro address. There's no subscription fee to get started — ChatFi only earns a small percentage when you actually make a sale. Merchants can accept payment in Naira through local bank rails, or in USDC directly on-chain, giving them flexibility whether their buyers are in Lagos or abroad.

ChatFi's trading feature routes orders across Solana's decentralized exchanges to find the best available price, and also supports stock trading alongside crypto — all from the same balance used for spending or selling. There's no separate exchange account to fund or withdraw from; whatever's in your wallet is what you trade with.

Naira volatility is a real, daily concern for many sellers and savers. ChatFi lets you hold value in USDC when you want stability, convert to Naira when you need to spend locally, and move between the two without relying on a bank's clearance times or a P2P trader's availability. Off-ramp, bills payment, and peer-to-peer trading are all built into the same app.

No. ChatFi is a non-custodial wallet — we never hold or control your funds. Think of it as a tool that gives you direct access to your own money on-chain, not an institution holding it on your behalf.

No. Merchants can accept payments entirely in Naira with no crypto knowledge required. Accepting USDC is optional, not mandatory.

There's no subscription fee for merchants. ChatFi earns a small transaction fee on sales, plus optional add-ons like premium storefront themes or a custom domain, which merchants can choose to use or skip entirely.

Yes. Because ChatFi is non-custodial, your funds live in your own wallet on the Solana blockchain, not in a ChatFi-controlled account. Even if ChatFi's servers went offline, your wallet and funds would remain accessible through your private keys.

ChatFi serves three overlapping groups of people. The first are small business owners and side-hustlers who want to sell online without the cost and complexity of building a website or negotiating with a traditional payment processor — someone selling clothes, skincare, or electronics who just needs a store that works today, not in three weeks. The second are everyday crypto users who want a wallet they can trust with their savings, without worrying about a custodian freezing access or a platform going offline. The third are traders who want to move between stocks, crypto, and stable value without switching between three or four different apps to do it.

ChatFi is non-custodial, meaning your private keys are generated and stored only on your own device — not on ChatFi's servers, and not recoverable by ChatFi if lost. This is a deliberate tradeoff: it means nobody, including ChatFi, can freeze, seize, or move your funds without your signature. Every payment, trade, and token launch is executed as a transaction on the Solana blockchain, which anyone can independently verify using a block explorer. For pricing and swap routing, ChatFi relies on Jupiter, Solana's leading DEX aggregator, to find competitive rates across liquidity sources rather than routing trades through a single exchange. On-chain activity monitoring is handled through Helius infrastructure, which helps detect and surface transaction status reliably. None of these integrations require you to hand over custody of your funds at any point — they operate on top of your wallet, not in place of it.