What is ChatterPay

ChatterPay is a wallet and payments product built around one idea: a person should be able to send and receive money on a blockchain without having to learn what a blockchain is.

There are two products under that name. ChatterPay is the consumer experience, where a person operates a wallet from a conversation. ChatterPay B2B is the infrastructure behind it, offered to companies that want to put the same capability inside their own product. This portal documents ChatterPay B2B.

ChatterPay, the consumer product

In the consumer product, the wallet lives in a chat. A person writes what they want to do in their own words — check a balance, send an amount to a contact — and the assistant collects the intent, presents a quote and asks for an explicit confirmation before anything is executed.

What the person never has to do is the part that usually stops them: there is no app to install, no seed phrase to write down and no native token to buy before a transfer can be paid for. The wallet is created for them, and the mechanics of gas, networks and contract addresses stay out of the conversation.

ChatterPay B2B: WhatsApp infrastructure for payments

Your users are already on WhatsApp. Meet them there.

Acquiring a fintech user through the app-store funnel costs around $100, and most users never repay it. One WhatsApp message replaces the entire funnel: $0.30 CAC per wallet on WhatsApp rails.

Infrastructure, not another app

A white-label API over 60+ chains, with partner-controlled KYC. Everything your product needs to move money over WhatsApp.

• WhatsApp payments — send, receive and swap stablecoins from a chat. Any phone number can receive funds.
• Custom AI agents — conversational agents that understand text and audio, tuned to your brand's voice.
• WhatsApp CRM — manage every customer conversation and transaction from one in-house CRM.
• Marketing tools — campaigns, broadcasts and referral loops that run where your users already talk.
• Security tools — transaction limits, PIN, recovery flows and monitoring, with partner-controlled KYC.
• DeFi and external integrations — swaps, yield and DeFi contracts across 60+ chains, ready to plug into your product.

ChatterPay B2B takes that engine and offers it to Partners. A Partner embeds wallets and blockchain operations in its own product without rebuilding account provisioning, signing, execution, on-chain observation, ledger, reconciliation and events.

Two things follow from being infrastructure rather than a wallet. The Partner keeps the relationship with the end user, the KYC and AML source of truth, and control of the production keys — ChatterPay B2B is not a central custodian. And the platform is independent from the consumer product at runtime: separate repositories, data, contracts, credentials and deployments, so neither one can break the other.

What a Partner gets

• versioned B2B API and backend SDK;
• one logical wallet per user with native accounts per blockchain family;
• direct transfers and composite operations;
• EVM Account Abstraction with EIP-7702 and optional ERC-4337 execution;
• Partner-controlled signing through a dedicated boundary;
• fees, operational ledger, reconciliation and on-chain evidence;
• events and webhooks for the Partner application;
• WhatsApp and future channels without duplicating financial logic;
• a self-hosted model where productive infrastructure and keys stay under Partner control.

Conceptual flow

flowchart LR
    U[User] -->|1| C[Partner channel]
    C -->|2| I[Partner integration]
    I -->|3| API[B2B API]
    API -->|4| OP[Operation]
    OP -->|5| SG[Partner signer]
    OP -->|6| EX[Execution router]
    EX -->|7| EVM[EVM]
    EX -->|7| BTC[Bitcoin]
    EX -->|7| ADA[Cardano]
    EX -->|7| SOL[Solana]
    EX -->|7| TRX[Tron]
    EX -->|8| LF([LI.FI route provider])
    OP -->|9| L[Ledger]
    OP -->|10| R[Reconciliation]
    R -->|11| WH[Webhook / state]
    WH -->|12| I

What each step does

1. User → Partner channel. A person states what they want to do, wherever the Partner put the product: its own application, WhatsApp, or another enabled channel.
2. Channel → Partner integration. The channel hands that intent to the Partner's backend, which holds the user's session and its own risk rules.
3. Partner integration → B2B API. The backend calls the public contract with its own credentials, and the tenant is derived from the credential itself.
4. B2B API → Operation. The request is priced, checked against the tenant's limits and persisted as an Operation. From here the flow survives a restart.
5. Operation → Partner signer. A keyReference and a digest go to the Partner Signer Gateway, and a signature with an audit reference come back.
6. Operation → Execution router. The router chooses the adapter of the network the operation settles on.
7. Execution router → EVM, Bitcoin, Cardano, Solana, Tron. Each family keeps its own addresses, transaction model, fees and finality rules behind that boundary.
8. Execution router → LI.FI. A swap or a cross-chain transfer goes through the route provider, and every step of the route is validated against the accepted intent before anything is signed.
9. Operation → Ledger. The financial impact is written as append-only entries.
10. Operation → Reconciliation. Observers watch the chain and the reconciler contrasts what settled against what was recorded.
11. Reconciliation → Webhook / state. The confirmed result becomes a durable event.
12. Webhook / state → Partner integration. The signed webhook reaches the Partner's backend, which updates its own projection of the operation.

Main channels

Partner-app-first. The Partner authenticates the user, presents the quote and collects confirmation in its own app; its backend then uses the SDK/API.

WhatsApp-first. The user starts from the Partner WABA/number. The conversational channel gathers the intent, resolves the recipient, presents the quote and records confirmation. The same B2B core still enforces limits, signing policy, execution and reconciliation.

Blockchain families

Each family keeps its own native transaction model behind a common Operation, so a Partner integrates once. See the Roadmap for the current availability of each one.

LI.FI is a route provider the platform uses to move value between these families.

Solana · Tron · Roadmap These two families are explicitly part of the public expansion roadmap. For every family, actual availability remains environment- and capability-gated.

Where the same token exists on more than one of these networks, chain abstraction is the direction that presents it as a single balance instead of one per network.

Let's reduce your customer acquisition cost today

Tell us about your product and your volumes, and we'll come back with an integration plan.