Only you can move your money
Your key lives in your phone's secure chip and opens with your face or fingerprint. Nomapay has no key and no admin power over your account.
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Safety, built in
How your money is kept safe.
Only you can move your money. Every payment is approved with your face or fingerprint, a stolen SIM is not enough, and big changes wait so you can cancel them.
- 11:02Your number moves to a thief's SIMHappens
- 11:03They get the sign-in code 481906Received
- 11:04They try to sign in on their phone. It needs your face or fingerprint key, which stays on yours.Stopped
Your balance$250.00Not moved
Every protection, in plain English.
Each one is built into the app or into your account itself, not left to a support team.
Only you approve
Your number is an identity, not a key
It is how people pay you. A stolen SIM gets a sign-in code, not your money.
MoreOne approval per payment
Every payment needs your face or fingerprint. Nothing moves without you.
Your phone checks every payment first
Before you approve, the app checks the payment is exactly what is on screen. A compromised server can't trick your phone into signing something else.
An optional Nomapay PIN
Six digits, separate from your phone’s passcode, for big sends, cash-outs, new bank accounts and limit raises. Five wrong tries lock it for 24 hours.
No signature tricks
Your account refuses "signed message" approvals that could get around its rules.
Waits and limits
Daily limits, enforced by your account
Your account itself enforces your daily limits.
MoreBig transfers wait, and can be cancelled
Large transfers wait 6 hours in the app (24 hours on basic phones). Changes to your account wait 48 to 72 hours. You, your guardians or Nomapay's cancel-only safety key can stop them.
MoreTightening is immediate. Loosening waits.
Lower a limit and it applies straight away. Raising one waits, so a thief can't quietly raise your limits.
A safety window on a new phone
For 24 hours after a new-phone sign-in, a PIN reset or a recovery, adding a bank account, raising limits, changing guardians and large sends wait. Your other phones get an alert. A second factor makes it 1 hour.
MoreComing soon: a new fingerprint or face is a new phone
If someone adds one to your phone, the 24-hour safety window starts, big transfers and number changes are held, and we alert you by email and push.
New cash-out accounts wait 12 hours
A new bank or mobile-money account can be used after 12 hours, so a thief can't redirect your cash-outs straight away.
MoreIf something goes wrong
Coming soon: freeze a lost phone, without it
From another phone, through support, or on our website with an email code. Transfers, the card and number changes stop. Money never moves, and only your face, fingerprint or recovery unfreezes it.
MoreRecovery needs two guardians
Never Nomapay alone. Both guardians must approve, then there is a 72-hour wait you can cancel if it was not you.
MoreMoney waiting for a number is never lost
Only the person who proves the number is theirs can collect it. The sender can take it back after 7 days, and after 37 it comes back automatically.
MoreEvery status says why and when
Never just “processing”. Each payment says what is happening, why, and when it should finish.
MoreYour part
How to protect yourself.
Most scams try to get you to hand something over. Nomapay will never ask you for it.
Never share a code or your PIN
Not with anyone, for any reason. Nomapay will never ask for them.
We never send links
Our text messages never contain a link. If a message asks you to tap one, it is not from us.
Check the name before you send
The app shows who a number belongs to on Nomapay. If it isn't who you expect, stop.
Keep your Apple or Google account safe
Your key syncs through it. Keep two-step sign-in on, and add a second factor in Nomapay to shorten the new-phone wait to 1 hour.
Honest limits.
No protection is total. These are the ones to know about.
- The issuers can freeze addresses. The digital dollars in your account (USDC and USDT) are issued by Circle and Tether, who can freeze addresses under legal orders.
- Recovery needs your guardians. If you lose your phone, and your Apple or Google account, and your guardians can't help, nobody can recover the account.
Report a problem
Found a security issue, or think someone is using your account? Tell us straight away.
Lost your phone? What to do