Payflip
Pay anyone you can name. No IBAN, no wallet address.
Payflip launched on September 14, 2026 with 76 votes, #439 of 8,095 launches that month and more than 95% of that year's launches.
What it does
Payflip is a dollar wallet with usernames. Send USDC or USDT to an email, @handle, phone or QR. The recipient picks how to receive, and if they don't claim it, the money comes back to you. Non-custodial. Fee shown before you send.
Send money to a phone, email or @handle. The recipient chooses how to receive, and money returns automatically if it is not accepted. No IBAN, no wallet address.
Send money to an email, @handle, phone, or QR. The recipient chooses how to receive. Money returns if not accepted. No IBAN. No wallet address. No signup for the person you're paying. Universal social escrow for people, creators, merchants, and AI agents. Bank, card, stablecoin, cashout, all chosen behind the scenes. Click on the link → Accept Payment → Cash Out or Keep In App. Phone, email, @handle, QR, merchant, agent or link. No bank details needed upfront. Add a note. Choose when it comes back if unclaimed. If your balance is low, top-up appears briefly, then you return to Send. The recipient claims the money and chooses how to receive. Zero friction, instant liquidity into any account.…from payflip.xyz
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Source: Product Hunt launch ↗
Launched alongside, September 2026
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