Pay online without handing your card to a stranger. Nothing to steal, nothing to leak, nothing to charge you again next month. And you get paid back on every purchase.
The part everyone worries about
Put a dollar in. Get a dollar out. That's the entire transaction. Not trading, not investing, not a bet on anything — a dollar goes in and a dollar comes out, every single time, in about the length of a Face ID scan.
You don't. Tap Apple Pay the same way you'd buy a coffee. No exchange, no order book, no trading screen.
USDC is a dollar. Not a dollar's worth of something — a dollar. Put in $50, you have 50 USDC. Next year, still 50.
Clears in seconds and we don't charge a conversion fee. Your dollars stay whole on the way in and on the way back.
Your balance sits in the app like any other balance. Cash out to your bank whenever. Nothing to write down, nothing to lose.
Why you'd want this
Your 16 digits sit in a database at every shop you've ever used. One breach anywhere and they're gone. You find out from an email, months later.
A subscription you forgot about can charge you forever. You have to ask them to stop, then ask your bank to make them stop.
Card fees are baked into the price you pay. You're funding the network whether you notice it or not.
The part that pays you
Card networks charge shops around 3% and keep it. We charge a fraction of that — and the shop hands you the difference to keep you coming back.
Lands in your balance before you close the tab. Not points, not miles, not next month — dollars, now.
They buy something, you both get $10. Not for downloading it — for actually using it.
Spending $800 a month with a few friends on board runs to around $96 back a month.
Side by side
| When you buy something | Card processor | Quad7 |
|---|---|---|
| The shop stores your card number | Yes — forever | Never. There is no number |
| A breach exposes you | Your card is out there | Nothing of yours to expose |
| A subscription can auto-charge | Until you fight it | Nothing can pull from you |
| You get money back | Sometimes, as points | Up to 5%, in dollars, instantly |
| Paying someone abroad | Foreign fee + bad rate | Same as paying next door |
| Your real card is exposed | On every site you use | Stays in your pocket |
Getting started takes about as long as buying a soda. Tap, done, spend.