Most "dollar apps" hold your money. Merktop Cash doesn't it's non-custodial: only you control your dollars (USDC), with keys you can export anytime. Send to anyone, even non-users, by card, WhatsApp or @username they claim with no app, no bank. Get paid with a link, split bills, buy gift cards, or cash out to a bank. Every payment has an on-chain receipt anyone can verify, you can watch any wallet, and a backup login means you never get locked out. Global no bank to start.
Maker
📌Hey Product Hunt 👋
I built Merktop Cash because every "dollar app" I tried had the same catch:
they hold your money. You're trusting a company not to freeze it, lose it, or go under basically a bank with a nicer app. Merktop Cash is different: it's non-custodial. Your dollars (USDC) live in a
wallet only YOU control export the keys anytime, and we literally can't move or freeze your money.
But non-custodial is usually clunky, so we made it feel like Venmo:
• Send to anyone by card, WhatsApp, or @username they claim with no app and no bank
• Get paid with a link, split a bill, buy gift cards, cash out to a bank
• Every payment gives a receipt anyone can verify on-chain proof you can't
fake
• A backup login so you never get locked out (no seed phrases to lose)
It's live and global hold and send dollars without a bank account.
I'd love brutally honest feedback: what would make you actually move money this way? And if you try a send, tell me where it felt rough. 🙏
Michael
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