About Certo
An internet where people can trust each other again.
Why we exist
Somewhere along the way, the internet stopped feeling honest. Every message could be a scam, every marketplace seller a fake, every app another company quietly trading in your data. And your money? Everyone seems to hold it for you, except you.
We think that's fixable, not with warnings and filters, but by changing the foundations. Make sure the people you talk to, trade with and buy from are real. Make conversations unreadable to everyone but the people in them. And put money back where it belongs: with its owner.
That's Certo. One app to chat, pay and sell, where identity, privacy and your own money aren't features bolted on top, but the ground it's built on.
Why identity, privacy and money belong together
These three usually come from three different companies, each holding one piece of the puzzle. And every gap between them is where things go wrong: fake profiles, frozen accounts, leaked data.
Put them together and each one makes the others stronger. Verification means the person you pay is real. Encryption means the deal you discuss stays private. Non-custodial keys mean the money you receive is truly yours. Remove any one of the three, and the promise breaks.
Built in Rotterdam
Certo is built in Rotterdam, a harbour city that's been connecting strangers who need to trust each other for centuries. It keeps us practical: less tech theatre, more things that simply work.
Being European isn't a footnote either. It means Certo is built under the world's strictest privacy law, the GDPR, from the first line of code. Not adapted to it afterwards, born under it.
The app
Certo is a Fintech app built in Rotterdam. The app is out now on iPhone and Android. We're not a bank and we never hold your money. See our Security & Privacy page for exactly how that works.
Questions, ideas, or just want to say hi? Email contact@certo.chat. A real, verified human reads it.