Questions worth asking before you sign in.

Freelancers, remote workers, and creators who earn or hold money across borders—and want one balance to get paid, pay by @username, and cash out when they need local currency.

No. Sign in with email or Google. Your account and balance are created for you. You send by @username and get paid by link—not by memorizing addresses or buying gas tokens.

Minutes. Authenticate, claim a username, and you’re ready to receive. The “rail homework” is the part we removed.

One spendable balance. Invoices, transfers from friends, and bank funding (when enabled in your region) credit the same number. You see what you can spend—not five disconnected wallets.

You control a self-custody smart wallet under the hood. Access is tied to your account recovery—not a seed phrase you’re expected to tattoo on a notebook. Settlement partners handle banking rails when you use them.

For supported sends on our network, fees are sponsored. You don’t need a gas token sitting idle just to move money.

Yes. Pay links, payment requests, and @usernames are the happy path. Your address remains available when someone needs it.

Claim a unique name. Add friends or share your pay link. Enter an amount, confirm the person, and send. Notifications land when someone pays you.

A fixed-amount link with a memo. Share it with a client or friend—they open it, pay, and your balance goes up. No “what’s your wallet?” thread.

Yes. Publish a service page at /s/@you with priced offerings (sessions, retainers, one-offs). Clients book & pay; each booking creates a payment request for that amount. Enable Vybe Collect so AI agents can discover and pay the same offerings.

Collect is money in — humans and agents, same catalog. Pay is P2P by @username. Wallet holds the balance. Vybe Pay MCP lets your AI start a pay under caps — you Approve or Decline each time. Details at /collect and /pay-mcp.

A VAPT (vapt_…) is an agent spend key with hard caps. Issue it in Settings → Agent spend, paste it into Cursor or Claude as Vybe Pay MCP auth, and Approve every Collect payment in Vybe. Install steps: /pay-mcp. Agents can also read /llms.txt.

Confirm screens exist so you see the recipient before funds leave. Always double-check the @name—same habit you’d use on any money app.

No. Anyone can open a balance. Invites simply speed up getting your circle onto the same rail.

That’s the next layer: deposit rails through licensed partners. Availability depends on region and rollout—check Add money in the app when it’s live for you.

Paying friends by @username is free. Payment requests at or above the threshold include a small platform fee (default 1.5%)—you can absorb it or have the client pay it on top. Vybe Business (recurring invoices, branding, CSV) is free to enable for now. Short premium @usernames may be a one-time fee when billing is live. Bank rails may add partner FX when those go live.

Not yet. It’s an optional spend layer, not the core product. Request early access from your dashboard. Planned: $0 creation fee and $0 maintenance when it launches.

Yes, for those rails. Compliance checks run through partners. We’ll walk you through it in-app when your region unlocks.

No. Vybe is a software interface. Wallets, bank settlement, and card rails run through licensed infrastructure partners. Always read in-app disclosures as features launch.

Nigeria—tech freelancers and creators earning across borders—then similar high-friction markets.

Get paid: /collect — individuals stay toggle-only; businesses get credentials, webhooks, and the express-vybe-402 middleware. Spend / policies: /developer (Agent OS).

Use in-app help where available, or reach out through the channels published on vybe as we scale support.