Send BTC, ETH, SOL, XRP, USDT or USDC to any external address. We validate the address against the asset, 2FA is required, and the network fee is shown live.
Mobile number+•• ••• ••• •••Network · slotDetected from the number. You do not pick it.
Registered nameReturned by the network
AmountR ••• •••FeeR ••••TotalR ••• •••
Your balance is held now and returned automatically if this fails.
Confirm payout
Network detected
Paying out
To Amara O
Mobile money wallet
R ••• •••
In progress
Balance held
Pay out to a mobile-money wallet and we work the network out from the number. You see the registered name that comes back, the fee and the total before you confirm.
Name verificationNot availableArrivalNot instantYour balanceHeld, not gone
Track the status. If the payout fails or expires, the money returns to you automatically.
Confirm payout
Bank account ZA
Delivered
To Joseph M
Bank account
R ••• •••
Complete
Account number, holder name and branch code. Bank payouts are not instant and we do not pretend otherwise — your balance is held while it is in flight and comes back if it fails.
The questions people ask, in the order they ask them.
Does the person I am paying need 80eight?
No. If they are on 80eight it is instant and free. If they are not, send to their cell number and they get an SMS. Unclaimed after 48 hours, it comes back to you automatically.
What does it cost?
R0.00 between 80eight accounts, in rands or stablecoins. Crypto sends carry the network fee, shown live. Mobile money and bank payouts carry a fee that is shown before you confirm.
What if I send to the wrong person?
On 88Pay and mobile money we show you a confirmed name first. On the bank rail no provider can verify an account holder's name, so check the number. Payments to someone not yet on 80eight can be cancelled inside the 48-hour claim window.
How fast does it actually arrive?
Instantly between 80eight accounts. Crypto depends on the network. Mobile money is usually within minutes. Bank payouts are not instant and you can check the status.
Can I pay a business?
Yes. Scan their QR or pay their 88Tag. Businesses settle instantly too, so there is no payout wait.
Do I still need my bank account?
Yes. You fund your wallet from an account in your name.
SECURITY
Your money, held properly.
MPC custodyKeys split across parties with a licensed custody partner, so there is no single point of failure.
2FA on every sendRequired on all crypto sends and rand withdrawals, with biometrics on device.
Your name onlyRands can only be withdrawn to a bank account matching your verified name.
Fully auditableEvery transaction logged. FSP licence 49010, regulated in South Africa.
Digital assets are not bank deposits and are not covered by a deposit-protection scheme. Some crypto products and markets are unregulated.
