One character off in a wallet address and it's gone. Forever. No undo send. This is normal to us now, and that's insane.

Group chat with friends in three different countries trying to split a dinner bill. We gave up and just said you get the next one. There's no payment app built for what we actually need there.

If you still nod along when someone says stablecoin it's a digital dollar (or euro, or whatever) that's supposed to always be worth $1. That's it. The interesting part isn't the coin. It's who trusts it enough to actually get paid in it.

$12.5T in stablecoin flow moved through Asia last year. Up 67%. Most of the stablecoin story isn't even happening in the US.

Pay by @handle is not the innovation everyone's marketing it as. Wise has had it for years. Venmo basically invented the category. The unsolved part is what happens after the handle: which currency, which rail, whose custody. That's where it actually gets interesting.

Sending digital money in 3 steps. We know. It sounds too simple. But that’s the point. We reimagined how digital money should move—removing the addresses, networks, and complexity from the experience.

Two weeks of building in public. The waitlist has quietly become the most useful thing we've shipped so far every reply is basically free product research. If you want in, link's in bio.

Crypto doesn’t need to be understood. It needs to be usable. You shouldn’t have to think about wallets, addresses, networks, or what’s happening behind the scenes just to move digital money. You should know how much you want to send and who you want to send it to.

Anyone feel this?

Genuine question: when you split a bill with someone in another country, what do you actually use? Not the right answer the real one.

Nobody should need to understand a blockchain to get paid.

We route it across wallets for you sounds convenient. It also means someone is holding your money mid transfer, even for a few seconds. Ask any app that touches your funds: whose custody is it in, and for how long? If they can't answer fast, that's the answer.

1/ Real numbers on stablecoins right now: $28–62T moved on-chain in 2025. Sounds massive. 2/ Actual payments — people or businesses paying for real things were $350–550B. Under 1% of the gross number . 3/ The rest is trading, bots, and internal transfers. The crypto payments boom headlines keep mixing these two up.

There are a lot of ways to send money like a text right now. Most of them stop at the border, or stop at the blockchain.

Getting close to launching! Keep listening - moving digital money across networks, currencies, wallets, banks, and every other place you can imagine is about to get stupid simple!

PayPal just opened Venmo to 90 countries through its own network. Good move it proves the demand is real. But it's still: know their phone number, hope they're on PayPal, pray the currency list includes theirs. Global reach isn't the same as global simplicity.

One week of building this in public. Biggest lesson so far: everyone agrees the problem is real. Almost nobody agrees which part to fix first. That's the actual job.

What's cost you the most sending money abroad?

Tried explaining to my dad why sending him $200 costs $12 in fees and takes 4 business days. He asked why I don't just hand it to him next time I visit. Hard to argue with that logic.

You have dollars - Brian wants ETH. No wallet addresses. No networks. No complexity. Just say it. Zxee moves it.