The visual OS for payment identity

Every node is a way
to be paid.

Identity

A living fabric of payment identities

Handles, phones, emails, merchants, cashtags — each a node that breathes. This is the graph Settla resolves against.

↓

The identity types

  • Handle — the human-first address (@amina). The anchor of an identity.
  • Phone — a payable number, USSD/SMS reachable.
  • Email — resolves to the same person's best endpoint.
  • Merchant — a business you can pay by name.
  • Licensed mover — the regulated partner that carries the funds. Settla routes it demand.

What you can do

  • hoverIlluminate an identity's connected payment paths and neighbours.
  • dragPull a node — springs tug its neighbours, then the mesh re-settles.
  • ＋Identity Bloom — a new node joins and the whole fabric rebalances. No popup; the network itself celebrates.
  • sendWatch a payment journey: resolve → route → partner → execute → confirmed.
  • modesRetell the same fabric as Identity, Routing, Interop, and more.
Identity + routing infrastructure

Money finally has
an address.

Pay a @name — not a 0x-string or a 10-digit account. Settla resolves who they are, then routes to the rail that delivers the most value: crypto from your own wallet, or naira, cedi and mobile money through a licensed partner.

Start paying by name → Read the API
✓ The One Rule: Settla never moves, holds, or converts your money.
resolve · route · execute live route
@amina Pay
◎
Resolve identity
idn_8f2c · verified · NGN endpoint
⟐
Route by landed value
NIP · 1560 ₦/$ · +₦5,600 vs next
⇄
Licensed partner executes
Yellow Card off-ramps USDC → NGN
✓
Recipient receives
@amina · OPay · instant
@amina receives
₦156,000
100 USDC
settled by a partner