80eight is a next-generation financial ecosystem that bridges traditional finance and decentralised finance through seamless global payments, digital assets, and modern wealth tools. We provide advanced financial infrastructure for businesses and individuals without being a bank.

We partner with fully regulated institutions to deliver secure account, payment, and treasury solutions that empower you to move money faster, smarter, and across borders with ease.

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80eight empowers individuals and businesses to buy, send, receive, and grow money across borders and currencies using both fiat and crypto rails. We provide the tools and infrastructure to move value quickly, securely, and with greater flexibility, helping you truly make money moves in your life and business.

80eight combines the trust, security, and compliance of regulated financial partners with the speed, flexibility, and efficiency of blockchain technology. This hybrid approach allows you to move money faster, access global currencies and stablecoins, manage treasury seamlessly, and unlock new financial opportunities all within a modern digital ecosystem that traditional institutions cannot match.

No. 80eight is not a bank. We are a licensed financial technology company that partners with regulated institutions to provide secure, borderless payment, forex, and digital asset services.

80eight blends the best of both worlds by offering on-chain settlement, stablecoin payments, and digital asset tools alongside regulated fiat accounts, global payment rails, and compliance frameworks. This allows businesses and individuals to operate seamlessly across traditional and blockchain-based financial systems.

80eight was founded by Faadil Moti and co-founded alongside an entrepreneurial family office. The vision behind 80eight was born from a simple but powerful idea: to simplify how people move, own, and grow money in a digital world. Inspired by the belief that money should work faster, smarter, and more freely, 80eight was created to give individuals and businesses the tools to use money differently, beyond the limits of traditional systems.

80eight is headquartered in Johannesburg, South Africa, with growing operations in the United Arab Emirates (UAE).

Our vision is to bridge the world of old money and new money, enabling a financial ecosystem where anyone can participate with ease and confidence.

Our mission is to create prosperity, access, and financial freedom for individuals and businesses by providing smarter, faster, and more inclusive ways to move, manage, and grow money.

Individuals and businesses of all sizes can use 80eight's services. Anyone looking for seamless, global, and digital-first financial tools to move, manage, and grow their money.

Yes. 80eight is designed for cross-border use and supports users across multiple regions. Our services are being rolled out in phases across Africa, the Middle East, and additional global markets, enabling seamless international payments and digital asset connectivity.

80eight provides a wide range of modern financial tools, including:

1) Global payments and cross-border transfers

2) Digital asset trading through our OTC Desk

3) Stablecoin and crypto earning solutions

4) Business accounts and treasury tools

5) Cross-border remittance capabilities

6) Multi-currency and CFC accounts

7) On-chain settlement and stablecoin payments

The three pillars of the 80eight ecosystem are:

1) The App - Your gateway to global payments and digital assets

2) The Business Suite - Advanced financial tools for SMEs, corporates, and global operators

3) The Personal Suite - Everyday financial tools for individuals to move, save, and grow money

Each pillar is designed to serve different user needs while working seamlessly together.

The 80eight App is a simple, secure financial tool that lets users create an account, access their digital wallet, trade supported assets, make payments through 88Pay, and automate digital asset purchases with AutoStack.

The 80eight App was built to give people financial freedom without complexity. Instead of juggling multiple platforms to trade, save, or send money, users can now do it all in one place. Faster, cheaper, and smarter.

It was created to remove the barriers that make digital finance feel intimidating. With 80eight, anyone can onboard easily, access payment options through 88Pay, grow their assets automatically with AutoStack, and manage everything securely through their digital wallet.

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Yes, the 80eight App is completely free to use. You can sign up, onboard, and access all core features without paying any subscription or setup fees.

When it comes to trading or transferring digital assets, small transaction or network (gas) fees will apply.

The 80eight App is built for individuals and businesses who want a faster, simpler way to manage and move money.

For individuals, it offers an easy entry into digital finance, letting you trade, pay, and grow your digital assets automatically through AutoStack, all in one place.

For businesses, it streamlines how you send and receive payments, access global markets, and manage digital assets with speed and transparency.

Yes, the 80eight App is available for both personal and business use.

For individuals, it offers an easy entry into digital finance, letting you trade, pay, and grow your digital assets automatically through AutoStack, all in one place.

For businesses, it streamlines how you send and receive payments, access global markets, and manage digital assets with speed and transparency.

Personal accounts are designed for individuals to save, invest, send, and receive money for personal use.

Business accounts provide tools for corporate payments, supplier settlements, team access, treasury management, and cross-border operations.

Each account type is built to support the unique needs of its users while operating within the same secure 80eight ecosystem.

You can explore full product overviews, feature breakdowns, and upcoming updates by visiting www.80eight.io

Yes. 80eight is a licensed Financial Services Provider (FSP) in South Africa and operates in full compliance with the regulatory standards that govern our licensed activities.

80eight holds a Category I Financial Services Provider (FSP) License, enabling us to offer a range of regulated financial products, including investments, derivatives, money market instruments, and crypto assets.

In addition, 80eight is an approved Treasury Outsource Company (TOC), regulated and overseen by the South African Reserve Bank (SARB) for the provision of treasury-related services.

These licenses ensure that our operations meet the highest regulatory and compliance standards.

Yes. 80eight is regulated by the FSCA and operates in accordance with South African financial legislation and conduct standards.

Yes. All payment, forex, and digital asset operations conducted through 80eight align with SARB regulations as well as FIC (Financial Intelligence Centre) requirements. Our processes are designed to ensure full compliance with South African exchange control and financial oversight frameworks.

We verify your identity using secure, automated tools to make sure you are who you say you are. This helps keep your account safe and prevents fraud.

We also follow strict anti-money laundering rules to protect all users and ensure 80eight stays fully compliant with South African and international regulations.

80eight complies with South Africa's POPIA regulations and follows international data protection standards, including GDPR. Your personal and business information is handled securely, used only for authorised purposes, and protected through strict privacy controls and encryption.

Yes. 80eight is developing and expanding regulatory partnerships in the UAE, EU, and select African jurisdictions to support cross-border payments, digital asset services, and global treasury solutions. These partnerships allow us to operate securely and compliantly across multiple regions as we continue our international rollout.

80eight uses bank-grade security to protect your money and data. All information is encrypted, our wallets run on MPC (Multi-Party Computation) technology for advanced protection, and our systems undergo regular security audits, penetration testing, and continuous monitoring.

We also partner with regulated financial institutions and follow strict compliance standards to ensure every transaction is safe, traceable, and fully protected.

Yes. Your crypto is protected using MPC (Multi-Party Computation) wallets — one of the most advanced security standards in the industry. All activity is monitored in real time, and strict authorisation policies ensure that no transaction can occur without the correct approvals.

Combined with continuous security testing and strong compliance controls, your digital assets remain secure at all times.

80eight offers both custodial and non-custodial MPC wallets:

1) Custodial wallets - your assets are secured using our MPC infrastructure, and the cryptographic keys are safely managed by 80eight on your behalf.

2) Non-custodial wallets - you retain full control of your own keys while still benefiting from MPC security. (Upcoming in 2026)

This gives you the flexibility to choose the level of control and custody that best suits your needs.

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MPC is a security technology that splits a private key into multiple encrypted pieces, storing them separately so that no single party or hacker, can access or use the key on its own.

80eight uses MPC to secure both custodial and non-custodial wallets, ensuring that:

1) Your private keys are never stored in one place.

2) Transactions require multiple secure computations.

3) Your funds remain protected even if one part of the key is compromised.

This creates a highly secure environment for managing and moving digital assets.

Here's how the app keeps your money and data safe, while staying fully compliant:

Security:

1) You're protected by strong encryption and secure login protocols so your account access and transaction data remain confidential.

2) You'll undergo identity verification (KYC/FICA) during onboarding, which helps ensure only you control your account.

3) Only verified users can trade, send money, or access digital asset features, reducing risk of unauthorized use.

Compliance:

1) The app operates under full licensing as a financial services provider in South Africa, following all local rules for financial institutions.

2) It collects and verifies customer identity documents in line with KYC and FICA requirements.

3) Compliance practices ensure that your funds are managed within legal frameworks, helping protect you from fraud, money laundering, and regulatory issues.

Yes, 80eight offers full customer support whenever you need it.

You can reach our team directly by emailing [email protected] or through WhatsApp, which you can access from the contact section on our website.

Our support team is here to help with onboarding, wallet issues, trading questions, payments via 88Pay, and anything related to your experience on the app ensuring you always get quick, reliable assistance.

You can reach our support team through:

1) In-app chat on the 80eight App

2) The support widget on our website

3) Email at [email protected]

We're here to assist you whenever you need help.

80eight partners with a network of regulated banks, global liquidity providers, crypto exchanges, payment processors, and compliance technology platforms. These partnerships ensure secure operations, deep liquidity, fast settlements, and full regulatory alignment across all our services.

Yes. 80eight is actively expanding into the UAE, GCC, and broader African regions, with additional international markets planned as part of our global growth strategy. Our goal is to provide seamless financial connectivity across multiple continents.

You can partner with 80eight by contacting us directly at [email protected]. Our team will review your proposal and explore collaboration opportunities.

Follow @80eight.io on social media and subscribe to the 80eight newsletter to receive updates on new products, features, and company announcements.

Simply download the 80eight App, complete the quick KYC verification process, and you can start buying, sending, receiving, and managing money instantly.

You can sign up for the 80eight App in just a few minutes.

Start by visiting our Web App (app.80eight.io) or downloading the 80eight App from the Google Play Store or Apple App Store. Once installed:

1) Tap "Get Started."

2) Create your account by entering your basic details.

3) Complete a quick KYC verification through Veriff to keep your account secure and compliant.

Once verified, you'll have full access to your digital wallet, 88Pay, and AutoStack - everything you need to start trading, sending money, and growing your assets instantly.

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Download the 80eight App, create your profile, and follow the prompts to verify your identity through our secure KYC process. Once verified, you can fund your account and start transacting right away.

Choose the Personal Suite if you're managing your own money, savings, or global payments.

Choose the Business Suite if you're handling company funds, supplier payments, payroll, forex, or treasury operations.

Each suite is designed to match the specific needs of individuals or businesses - so you can use the tools that fit your financial life best.

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Yes. Our support team and onboarding specialists are available to answer your questions, walk you through the platform, and help you understand which solutions are right for you. Reach out to [email protected] for more information.

Yes. We provide personalised onboarding for both individual and business clients. Our team guides you through setup, verification, and the features you need - so you can get started smoothly and confidently.

Yes, you can access the 80eight App from multiple devices.

Once you've created your account and completed verification, you're free to log in on your Mobile App or Web Browser - giving you flexibility and convenience no matter where you're working or which device you prefer.

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You only need one valid government-issued ID to verify your identity. This can be either your national ID card or your passport.

You need to submit verification documents because 80eight is a licensed and regulated financial services provider in South Africa.

As part of KYC (Know Your Customer) and FICA (Financial Intelligence Centre Act) requirements, we're legally required to verify every user's identity. This process helps prevent fraud, money laundering, and unauthorised activity while ensuring your funds and information remain secure.

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No. You need to verify your identity to use the 80eight App.

Because 80eight operates as a regulated financial services provider in South Africa, all users must complete KYC/FICA verification before accessing wallet functions, trading, or payments. This ensures compliance with financial laws and keeps every account secure from fraud or misuse.

Verification only takes a few minutes and unlocks full access to the app - including buying and selling digital assets, 88Pay, and AutoStack — giving you a safe, compliant environment to manage and grow your money.

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Verification takes about 3–5 minutes to complete.

Once you upload your ID or passport through Veriff, the system automatically checks and approves your information in real time. In most cases, your account will be verified within minutes - giving you immediate access to your wallet, 88Pay, and AutoStack features so you can start using the app right away.

The 80eight App is currently available in South Africa, with rollout across additional African and international markets actively underway. Please contact [email protected] for the most up-to-date information on availability in your region.

If you forget your password or get locked out of your account, you can easily reset it.

On the login page, click "Forgot Password" and enter the email linked to your account. We'll send you a secure password reset link - just follow the instructions to create a new password.

Once updated, you can log back into your account and continue using all features of the 80eight App as normal.

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If you lose access to your account, you can recover it by contacting our support team at [email protected].

For your security, you'll need to complete a verification process to confirm your identity. This may include providing your registered details, identification documents, and other information linked to your account.

Once verified, our team will safely restore your access so you can continue using your wallet and all app features securely.

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Yes, you can access the 80eight App from multiple devices.

Once you've created your account and completed verification, you're free to log in on your Mobile App or Web Browser - giving you flexibility and convenience no matter where you're working or which device you prefer.

The Trading Wallet is where you buy, sell, and manage your digital assets directly inside the 80eight App.

It's designed to give you full control and visibility over your fiat balance and crypto portfolio without needing multiple platforms. The benefit is simplicity - one wallet that makes it easy to trade supported assets instantly, store, and grow your digital assets while keeping everything safe and fully integrated with the rest of your 80eight experience.

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Yes, your crypto is completely safe with 80eight.

We use MPC (Multi-Party Computation) technology to protect every customer's funds, the same advanced system trusted by leading institutions worldwide. This ensures your assets are never stored in a single location and remain secure even if one part of the system is compromised.

The app itself includes multiple layers of protection, such as:

1) Personalised PINs and Biometrics to secure access.

2) Two-Factor Authentication (2FA) for added verification for any outgoing funds.

3) Anti-phishing codes to keep your account safe from impersonation or fraud.

Your security is built into every layer of the 80eight experience.

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Yes, you need to complete KYC verification before you can use the Trading Wallet.

Because 80eight operates as a regulated financial services provider in South Africa, every user must verify their identity before trading or holding digital assets. This helps keep your account secure, prevents fraud, and ensures full compliance with financial regulations.

Once your KYC is approved, you'll have full access to the Trading Wallet - allowing you to buy, sell, and manage your crypto safely within a compliant environment.

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Yes, you can use the Trading Wallet without linking a bank account upfront.

You make secure deposits directly from your existing banking app into your 80eight account - no pre-linking needed.

When you're ready to withdraw your ZAR, you simply enter your bank details in the app once. After that, your account is saved for future withdrawals, making it quick and seamless to move funds back to your local bank whenever you need.

This setup gives you flexibility and control while keeping your funds safe and easy to access.

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The Trading Wallet currently supports a curated selection of around 10–15 leading cryptocurrencies, including BTC, ETH, SOL, XRP, USDT, and USDC.

These assets were chosen to give users access to the most trusted and widely used digital currencies while ensuring fast, secure, and compliant trading.

As 80eight continues to grow, we plan to expand our asset list - adding more cryptocurrencies that meet our standards for reliability, liquidity, and user demand.

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To buy crypto in your Trading Wallet:

1) Open the app and go to your Trading Wallet.

2) Tap "Buy."

3) Select the asset you want to purchase.

4) Choose what you want to buy with (for example, ZAR or another crypto).

5) Enter the amount you want to buy.

6) Review the details and confirm your transaction.

Once confirmed, your wallet will automatically update with your new crypto balance - ready for you to trade, send, or hold securely.

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Right now, you can buy crypto using your ZAR balance or your existing crypto balances within the app.

This keeps transactions fast, simple, and secure while ensuring full compliance during our MVP phase.

We're actively working on expanding available payment methods, including bank transfers, card payments, and Apple Pay, so you'll soon have even more flexible ways to fund your Trading Wallet and buy digital assets.

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There are no fixed limits on how much crypto you can buy in the 80eight App.

However, as a regulated financial services provider, we're required to stay compliant with AML (Anti-Money Laundering) and related financial regulations. This means that for larger transactions, we may request proof of source of funds or other documentation to ensure compliance and user safety.

In short, you're free to buy as much as you like, as long as it aligns with the standard financial verification requirements that keep the platform secure and compliant.

Yes, 80eight provides real-time market rates for both buying and selling crypto.

Yes, you can set both limit and market orders in the 80eight Trading Wallet.

1) With market orders, your trade executes instantly at the current market price.

2) With limit orders, you can set a target price - your buy or sell order will automatically execute once the asset reaches that price.

This gives you full control over your trading strategy, letting you act on opportunities without needing to monitor the market constantly.

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To sell crypto in your Trading Wallet:

1) Open the app and go to your Trading Wallet.

2) Tap "Sell."

3) Choose the asset you want to sell.

4) Select what you want to sell it for (for example, ZAR or another crypto).

5) Enter the amount you want to sell.

6) Review the details and confirm your transaction.

Once confirmed, your wallet updates instantly to reflect your new balance, and your funds are available to use, trade, or withdraw.

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To send crypto from your Trading Wallet to someone on another crypto platform:

1) Open the app and go to your Trading Wallet.

2) Tap "Send."

3) Choose the recipient from your saved address book, or select "One-Time Send."

4) Select the asset you want to send and enter the wallet address of the recipient.

5) Confirm the recipient details as required under Travel Rule compliance.

6) Review and confirm your transaction.

Once confirmed, your crypto is sent securely to the recipient, and your wallet updates instantly to reflect the new balance. You can send to most exchanges and wallets worldwide with full transparency and security.

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To receive crypto in your Trading Wallet:

1) Open the app and go to your Trading Wallet.

2) Tap "Receive."

3) Select the asset you want to receive.

4) You'll see a QR code and a wallet address for that asset.

5) You can either scan the QR code directly in the 80eight App or copy the wallet address and share it with the sender.

Once the transaction is confirmed on the blockchain, your crypto will appear in your Trading Wallet balance - ready to use or trade.

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To deposit crypto into your Trading Wallet:

1) Open the app and go to your Trading Wallet.

2) Tap "Receive."

3) Select the asset you want to deposit.

4) Copy your wallet address for that asset.

5) Go to your other exchange or wallet, paste that address, and complete the transfer.

Once the transaction is confirmed on the blockchain, your crypto will appear in your Trading Wallet - ready for trading, payments, or AutoStack.

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To send crypto from your Trading Wallet to an external wallet address:

1) Open the app and go to your Trading Wallet.

2) Tap "Send."

3) Select the asset you want to transfer.

4) Choose "One-Time Send."

5) Enter the recipient's wallet address and confirm the asset details as required under Travel Rule compliance.

6) Review your transaction and confirm it.

Your crypto will then be securely sent to the external wallet, and your 80eight balance will update instantly once the transaction is processed on the blockchain.

The time it takes to send or receive crypto in your Trading Wallet depends on the blockchain network being used and how busy it is at the time of the transaction.

Most transfers complete within a few minutes, but during periods of high network activity, confirmations can take a bit longer.

80eight processes every transaction immediately on our side, so once the blockchain confirms it, your wallet updates automatically with the final balance.

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If you transfer crypto to the wrong wallet address, the transaction cannot be reversed or recovered.

Blockchain transactions are permanent and immutable, meaning once they're confirmed, they can't be changed or cancelled. Because of this, it's important to always double-check the recipient's wallet address before confirming any send or withdrawal.

80eight can't retrieve funds sent to an incorrect or unsupported address, but if your transaction is pending or you're unsure, you can contact support at [email protected] for assistance and guidance.

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There are no fees for depositing crypto into your Trading Wallet.

You can receive crypto into your 80eight account freely. The platform doesn't charge any deposit fees. However, blockchain network (gas) fees may apply to that transaction depending on the asset and network you're transferring from.

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There are no withdrawal fees charged by 80eight when sending crypto from your Trading Wallet.

You'll only pay the standard blockchain network (gas) fees. These fees vary depending on the asset and how busy the blockchain is at the time of your transaction.

This ensures your transfers remain as affordable and transparent as possible.

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Trading fees on the 80eight App are built into a small margin on each buy or sell order.

This means the price you see when confirming a trade already includes the fee. There are no hidden charges or surprise deductions. The margin is automatically applied based on real-time market rates to keep pricing fair, simple, and fully transparent.

You'll always know exactly what you're paying before completing any trade.

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Yes, you can see a full breakdown of fees before completing any transaction in the 80eight App.

On the confirmation screen, all transaction details are displayed clearly before you click confirm.

This breakdown appears before every type of transaction, whether you're buying, selling, sending crypto, using 88Pay, or AutoStack. You always know exactly what you're paying and where your money is going before you confirm.

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The Trading Wallet is protected by multiple layers of advanced security to keep your funds and account safe.

Key measures include:

1) MPC (Multi-Party Computation) technology that safeguards assets by distributing private key access across multiple secure systems.

2) Personalised PINs and Biometrics for account access control.

3) Two-Factor Authentication (2FA) to verify your identity during logins and transactions.

4) Anti-phishing codes that confirm official 80eight communication and protect you from impersonation attempts.

5) Travel Rule compliance for verified recipient information when sending crypto.

These combined protections ensure that every trade, transfer, and login happens in a secure, regulated, and tamper-proof environment.

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To enable Two-Factor Authentication (2FA) for your Trading Wallet:

1) Download the Google Authenticator app on your phone.

2) In the 80eight App (mobile or web), go to Settings.

3) Tap "2FA" and select "Enable."

4) A unique 2FA key and QR code will appear on your screen.

5) In the Google Authenticator app, either scan the QR code or copy and paste the key to add your 80eight account.

6) Once the code is added, enter the 6-digit code generated by the authenticator into the 80eight App to activate 2FA.

After activation, you'll need to verify all outgoing transactions (such as crypto sends and ZAR withdrawals) using your 2FA code. This ensures that only you can authorise movements of funds from your account.

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Yes, 80eight can temporarily freeze your Trading Wallet if suspicious or potentially fraudulent activity is detected.

As a regulated financial services provider, we're required under KYC, AML, and compliance laws to act when any irregular transactions or security risks are identified. This helps protect both your account and the wider 80eight network from fraud, money laundering, or unauthorised access.

If a freeze occurs, our compliance team will reach out to you directly to verify details and resolve the issue as quickly as possible, ensuring your funds remain secure throughout the process.

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88Pay is 80eight's instant, fee-free payment network that lets you send and receive ZAR or crypto with anyone else using the 80eight App.

You don't need wallet addresses or bank details - just the recipient's 80eight PayID, email address, or phone number linked to their 80eight account.

Transactions happen instantly and securely, with no fees or delays, giving you a simple and seamless way to move money across the 80eight network.

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88Pay was built for individuals and businesses who want to move money easily, instantly, and without the high costs of traditional transfers.

For individuals, it's a simple way to send ZAR or crypto to friends, family, or anyone else on 80eight - instantly and for free.

For businesses, it streamlines payments to suppliers and partners, cutting out transaction fees and banking delays.

In short, 88Pay was designed for anyone who values speed, simplicity, and savings when sending or receiving money.

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88Pay is completely different from traditional payment methods because it removes the delays, fees, and complexity that come with banks and intermediaries.

With traditional payments, transfers often take days to clear, cost extra in fees, and require account details or reference numbers.

With 88Pay, payments happen instantly, are completely free, and only require a PayID, email address, or phone number of another 80eight user.

It gives you the freedom to send ZAR or crypto instantly, anytime.

Using 88Pay instead of bank transfers gives you faster, cheaper, and simpler payments.

Here's how you benefit:

1) No waiting for business hours or clearing times — your money moves in seconds.

2) Send and receive ZAR or crypto completely free, saving on bank and transfer charges.

3) No account numbers needed - use a PayID, email address, or phone number to send funds securely.

4) Move money effortlessly between anyone who uses the 80eight App.

5) The payment network is always on - works 24/7, so you can pay or get paid anytime.

In short, 88Pay gives you bank-level security with modern payment speed and simplicity, all without the costs.

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Yes, you need to verify your identity (KYC) before using 88Pay.

Because 80eight operates as a regulated financial services provider, all users must complete identity verification before accessing payment features. This ensures every transaction on 88Pay is secure, compliant, and protected against fraud or misuse.

Once verified, you can instantly send and receive ZAR or crypto across the 80eight network - safely and without fees.

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To make a payment using 88Pay:

1) Open the app and go to your Trading Wallet.

2) Tap on "80eight Pay" or "Pay."

3) Choose who you'd like to send money to - either from your address book or as a one-time payment.

4) Enter the recipient's PayID, email address, or phone number.

5) Select the asset you want to send (ZAR or crypto).

6) Enter the amount you wish to send.

7) Review the confirmation screen to check all details.

8) Tap Confirm to complete the payment.

Your wallet updates instantly, and the recipient receives the funds immediately - free and secure through the 88Pay network.

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Yes, you can send money to someone who doesn't have the 80eight App.

When you send an 88Pay payment to their cell phone number, they'll receive a text message with a link to sign up and claim their funds. Once they complete the quick sign-up process, the money will automatically credit their wallet.

Recipients have 48 hours to claim the payment before it expires - making it an easy way to introduce anyone to 80eight while sending them funds instantly.

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Yes, you can use 88Pay for in-store payments.

If the merchant has an 80eight account, simply scan their 88Pay QR code using your app, enter the amount due, and confirm the payment.

The transaction reflects instantly, with no fees or delays - making it a fast, secure, and cashless way to pay in person.

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88Pay payments can be sent to any verified 80eight user regardless of their location. As long as the recipient has a verified 80eight account, you can send them ZAR or crypto instantly using their PayID, email, or phone number.

For international cross-border fiat transfers outside the 80eight network, please refer to our 88Pay cross-border payment features or contact [email protected] for more information.

A PayID is your unique 80eight payment identifier that makes sending and receiving money simple and instant.

Instead of using long wallet addresses or bank account numbers, your PayID links directly to your 80eight account. Other users can send you ZAR or crypto instantly by entering your PayID in 88Pay - no extra steps or details needed.

It's a faster, safer way to get paid, ensuring transactions are always directed to your verified account within the 80eight network.

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To find your PayID:

1) Open the app and go to your Trading Wallet.

2) Tap "Pay" or "80eight Pay."

3) Switch to the "Receive" tab.

4) You'll see your QR code on the screen - anyone can scan it to pay you directly from their 80eight App.

5) Just below the QR code, you'll find your PayID, which you can copy or share for instant payments.

Your PayID is always linked to your verified account, making it easy for others to send you ZAR or crypto instantly and securely.

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If you send money to the wrong PayID, email, or phone number, you'll need to contact our support team immediately at [email protected].

Because 88Pay transactions are instant, funds can't be reversed until our team takes the necessary steps to verify the identities and intentions of both parties involved. Once verified, we'll take the necessary steps to recover or reverse the transaction wherever possible.

Acting quickly gives us the best chance of retrieving your funds safely.

No, 88Pay supports both South African Rands (ZAR) and crypto assets.

You can choose which to send when making a payment, whether it's local currency or digital assets, and the transfer will still be instant and free between verified 80eight users.

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Right now, 88Pay supports only South African Rands (ZAR) for fiat transactions.

We're focused on delivering fast, seamless ZAR payments first, with plans to expand to more global currencies as the platform grows.

Yes, you can use 88Pay to send crypto payments instantly and securely.

Just like ZAR payments, crypto payments are free, fast, and simple. You only need the recipient's PayID, email address, or phone number linked to their 80eight account.

Once confirmed, the crypto is delivered to their wallet within seconds - with no extra steps or fees inside the 80eight network.

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There are no set limits for sending funds via 88Pay between verified 80eight users.

As a regulated financial services provider, 80eight may request additional documentation for large transactions to comply with AML (Anti-Money Laundering) requirements. This is to ensure the security and compliance of all users on the platform.

Yes, 88Pay is free to use for sending and receiving ZAR or crypto between users on the 80eight App.

You won't pay any platform fees, the recipient gets the full amount you send.

Only standard blockchain or network costs may apply if you're sending crypto to an external exchange and the asset's network imposes a fee.

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No, there are no hidden charges when you use 88Pay.

You'll see exactly what you're sending before you confirm the transaction, and the full amount is received by the other party. The only possible cost is if you use a crypto asset that incurs a network fee (gas fee), and that's clearly shown in the fee breakdown.

88Pay payments reflect instantly.

As soon as you confirm a transaction, the funds appear in the recipient's wallet within seconds - whether you're sending ZAR or crypto. There are no waiting periods, clearing times, or banking delays, making 88Pay one of the fastest ways to move money on the 80eight App.

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If an 88Pay payment fails, it's usually due to a temporary network issue or an invalid recipient detail. This is very rare, and the app will notify you immediately if the transaction doesn't go through.

If the issue persists, please contact our support team at [email protected] so we can investigate and resolve it quickly.

No, once an 88Pay payment is sent, it cannot be cancelled or reversed.

All 88Pay transactions are instant and final, ensuring that funds move securely and immediately between users. Please always double-check the recipient's PayID, email, or phone number before confirming your payment. If you believe you have made a mistake, please contact support immediately.

88Pay is built with the same bank-grade security and blockchain protection that powers the 80eight App.

Every transaction is secured through MPC (Multi-Party Computation) technology, meaning no single system ever holds full access to your funds. On top of that, 88Pay includes:

1) Two-Factor Authentication (2FA) for outgoing payments.

2) Encrypted data protection for all user information.

3) Anti-phishing verification to prevent impersonation or fraud.

4) Regulatory compliance under South African financial laws.

In short, 88Pay combines instant payments with institutional-level security - ensuring your money moves safely every time.

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No, no one else can access your 88Pay transactions.

All your payment activity is private and fully encrypted, visible only to you within your 80eight account. 80eight never shares transaction details with third parties, and every transfer is protected by PIN verification, 2FA, and secure account encryption to ensure only you can view or authorise payments.

If you suspect any unauthorised activity on your 88Pay account, act immediately to protect your funds:

1) Freeze your account by contacting [email protected] or using the in-app support option.

2) Change your password and update your 2FA settings right away.

3) Our compliance team will investigate the activity, verify your identity, and help secure your account.

Because 88Pay operates under strict security and compliance standards, every case is handled with urgency to ensure your account remains fully protected.