Solana-native payment routing
Create intent-based payment requests that resolve to SPL or Token-2022 transfers, with ATA handling, blockhash refresh, and priority-fee hints abstracted away from the sender.
Simple money, beautifully managed.
Simplicity.cash helps you send, spend, and manage money with ease - anywhere, anytime.
Instant paymentsSend and receive in seconds.
Bank-level securityYour money is always protected.
No hidden feesTransparent pricing, always.
Features
Payment rails that feel like cash, built on Solana primitives.
Simplicity.cash turns complex onchain mechanics into a single payment surface: request, approve, settle, reconcile.
Programmable settlement graph
Route deposits, card top-ups, merchant payouts, and refunds through policy-aware settlement flows instead of one-off wallet prompts.
One balance, many rails
Surface one simple spendable balance while the protocol layer tracks token accounts, stablecoin inventory, card funding, and onchain receipts.
Benefits
The checkout is simple. The settlement layer is not.
Like the best crypto wallets and privacy products, the interface hides operational friction without pretending the protocol is basic.
No seed phrase in the checkout moment. Users authorize precise intents, not mystery transactions.
Fast settlement UX for everyday payments, with Solana finality and fee estimation handled in the background.
Clean merchant reconciliation: references, memos, and transaction signatures map every payment to a readable receipt.
A card-first experience that can still expose power-user controls when builders need raw transaction data.
Security
Self-custody posture, explicit intents, auditable movement.
Security is treated as transaction design: what can be signed, who can receive it, how long it is valid, and what proof remains after settlement.
Scoped signing
Every action is framed as a bounded payment intent: amount, mint, recipient, expiry, and reference before the wallet signs.
Non-custodial core
The app is designed around user-controlled signing and policy accounts, not opaque omnibus balances.
Privacy-aware roadmap
Where Token-2022 Confidential Transfer is appropriate, amounts can be hidden while account addresses remain auditable by design.
Pricing
No hidden spread. No black-box route.
Solana fees are small, but payment products still need clarity. We separate network cost, card funding, and protocol fees before the user signs.
Network feePass-through
Base fee + optional prioritization fee, shown before signing.
Card fundingTransparent
Top-up route, mint, and destination are visible in the receipt trail.
Protocol feeNo hidden spread
If a fee applies, it is quoted as a line item before execution.
About
We are building the card-shaped interface for Solana money.
Simplicity.cash is for stablecoin spending, merchant settlement, and card-like money movement on Solana. The product goal is not to make the chain disappear; it is to make blockhashes, ATAs, compute budgets, priority fees, and token-account state feel operationally invisible.
Card UXSolana settlementOnchain receipts