Out now · iPhone & Android
Chat.Pay.Sell.Connect.
Chat. Pay. Sell. No bank needed.
Certo is one app to chat, pay and sell with real people. Conversations end-to-end encrypted, money in a wallet only you hold the keys to, and payments that go straight from person to person.
Live now, built in Rotterdam
Non-custodial
Your money, your keys, your rules.
Your seed phrase and private keys are generated on your phone and never leave it. Certo doesn't have them, can't reach them, and can never get to your money. That's not a promise. It's how the app is built.
Keys live on your phone
Your keys are created on your device and stay there. There is no copy on a server, no master key, no back door.
You can't be locked out
You hold the keys, so your money is always there and always yours. No one can freeze it or hold it back, not even us.
You can always recover
Your 12-word recovery phrase restores your wallet on any phone. You own your money, for real.
“The safest place for your money isn't a vault. It's you.”
Payments
Send money like you send a text.
No long wallet addresses, no copying codes and hoping for the best. On Certo money moves between people, in both directions: you pay a person the way you'd message them, and friends or clients pay you back just as easily.
To an @handle or phone number
Send €25 to @lisa or straight to a phone number. If you can text someone, you can pay them.
Right inside the chat
Send payment requests and payments where the conversation is already happening. Live status included, confirmation the second it lands.
Confirmed with Face ID
Every payment needs your face. Nothing leaves your wallet without you.
Get paid by friends or clients
Money lands straight in your own wallet, from anyone, anywhere. You don't need a bank for it, your phone is enough.
Runs on the fastest networks, Solana first, plus Bitcoin, Ethereum and stablecoins like USDC and USDT. You never have to care about any of that.
Verified identity
You know exactly who you're dealing with.
Everyone you chat with, call, pay or buy from on Certo has verified their identity with an ID document and a liveness check. Whenever words or money move between people, you know who's on the other side.
Real people, where it counts
Chatting, calling, paying and selling all happen between verified humans. No fake profiles, no bots hiding behind an avatar.
Account age you can see
Every profile shows how long it has been around. A two-year-old verified account feels very different from one made yesterday.
Verified or not, you can tell
A profile wears its verification openly. A Space can share without a verified owner, but it can't sell or take a cent until a real, checked person is behind it.
Private by design
Your chats stay yours. No one reads along.
Every chat, call and file on Certo is end-to-end encrypted. Our servers see that a message was sent, never what's in it. "We can't read your messages" isn't marketing. It's the architecture.
Self-destructing messages
Messages that disappear after a time you choose.
View-once photos & videos
Seen once, then gone. For the things that shouldn't linger.
Screenshot protection
Sensitive content stays where you sent it.
Encrypted calls & video
Talk face to face. No one in between.
Secure file sharing
Documents, photos and videos, sealed end to end.
Location, on your terms
Share your live location, only with who you choose, only as long as you choose.
How it works
Three steps. That's it.
- 1
Get the app, make it yours
Download Certo, claim your @handle and set up a wallet only you hold the keys to. Looking around costs nothing, not even your data.
- 2
Verify when it matters
One ID scan and a quick liveness check, the moment you want to chat, sell or get paid. Not a hurdle at the door, just where trust starts to matter.
- 3
Chat, pay and sell
Message and call, encrypted. Send money to an @handle, confirm with Face ID. Open your own Space and get paid straight to your wallet.
Spaces
Your own shop, in your pocket.
Spaces is your own place inside Certo to sell your things, your services, your courses or your content, and to share what you're making. You get paid straight to your own wallet, and every review is real because every buyer is verified.
Sell anything
Physical goods, digital products, courses and services, all from one Space.
Paid to your own wallet
Payments land straight in your own wallet, the moment someone buys. Yours from the first second.
Real reviews from real buyers
Only verified buyers can review, so a rating actually means something.
Where this is going
The app is just the beginning.
- 2026
Launch, secure chat, your own wallet & Spaces
- 2027
Pay from your bank account & KYC-once for businesses
- 2028
The Certo card, pay everywhere with your balance
Can Certo touch my money?
No. Your keys are generated on your phone and never leave it. We couldn't touch your money if we tried, and that's the whole point.
Can you read my messages?
No. Everything is end-to-end encrypted. Our servers see that a message was sent, never what's inside.
What if I lose my phone?
Your 12-word recovery phrase restores your wallet on a new phone. Keep it safe. It's the one thing that matters.
Ready for an internet where everyone's real?
Certo is out now, on iPhone and Android. Download it and be one of the first verified accounts everyone trusts later.
Let's chat. Certo.