P2P Payments

Transfers occur directly onchain between sender and recipient, with no custodial middleman. This eliminates the need for trusted third parties, reducing counterparty risk and ensuring that value moves from one party to another without intermediaries taking custody or control of funds at any point in the process.

Valid transactions are processed so long as participants can access the network. No central authority can selectively block, delay, or reverse transactions based on the identity of the parties, the nature of the transaction, or political considerations. The network operates on a permissionless basis, ensuring equal access for all participants.

Anyone with internet access and a compatible wallet can participate. There are no geographic restrictions, account requirements, or identity verification barriers. The network operates 24/7, unaffected by weekends, holidays, or banking hours, ensuring continuous access to financial services.

Solana’s high-performance network supports rapid confirmations without congestion. The network can process thousands of transactions per second with sub-second finality, ensuring that payments complete quickly even during peak usage. This eliminates the delays and uncertainty that plague slower networks, making Moony suitable for real-time payment scenarios.

Typical transfers cost fractions of a cent, with fees known at submission. This predictable, minimal cost structure makes Moony practical for frequent, small-value transactions that would be prohibitively expensive on networks with higher fees. Users can send any amount without worrying about fees consuming a significant portion of their transfer value.

Solana’s proof-of-stake consensus mechanism enables high throughput with minimal energy consumption per transaction. This efficiency ensures that Moony can scale to global adoption without the environmental costs associated with energy-intensive networks, making it sustainable for widespread daily use.

Anyone with a smartphone can receive Moony without bank accounts or gatekeepers. There are no credit checks, identity verification requirements, or minimum balance thresholds. This removes the traditional barriers that prevent billions of people from participating in the global economy, enabling financial inclusion at an unprecedented scale.

Affordable, near-instant settlement for cross-border payments. Unlike traditional remittance services that charge double-digit fees and take days to process, Moony enables families to send money across borders in seconds at a fraction of the cost. This makes small-value transfers economically viable, supporting the financial needs of migrant workers and their families.

Moony’s credibly fixed supply provides access to a currency with predictable monetary policy, regardless of local economic conditions. Unlike local currencies subject to arbitrary printing and devaluation, Moony’s supply cannot be inflated by central authorities, offering a more reliable unit of exchange for P2P payments in regions where hyperinflation or currency instability undermine local currencies.

Any Solana-compatible wallet that supports SPL tokens can hold and transfer Moony, enabling P2P payments across different wallet interfaces. Users are free to send and receive Moony using the wallet of their choice, rather than being locked into a single custodial or proprietary app. This wallet diversity ensures that P2P payments are not dependent on any single provider, giving users flexibility in how they transact.

Moony can be integrated into payment apps, point-of-sale systems, and P2P payment services with minimal friction. Developers can build P2P payment solutions using Moony the same way they support any other SPL token, allowing it to circulate naturally through the network. This standard integration approach enables developers to create diverse P2P payment applications without requiring custom implementations.

Moony follows standard SPL token protocols, ensuring compatibility with existing Solana infrastructure and tooling. This means P2P payment applications can leverage well-documented standards and established developer tools, reducing integration complexity and enabling faster deployment of payment solutions. The adherence to open standards guarantees that Moony remains accessible and functional across the entire Solana ecosystem.

Instantly use Moony as digital cash where you can hand it to someone or send it as a link, with zero fees for peer-to-peer transfers. Flipcash offers an industry-leading, trustless peer-to-peer payments experience, giving users a seamless way to transact with MNY directly from their mobile device.

Seamlessly convert between Moony and USDF through an intuitive interface. Users can buy MNY or sell MNY for USDF directly through the Flipcash mobile app, making it easy to acquire Moony and begin using it for P2P payments right away.