Settley Send Back to Settley Send

How your money is protected.

When you send with Settley, your money doesn't sit in someone's account. It sits on the blockchain until the person you're sending to claims it. Here's how that works.

Start small on your first transfer.

Use $10-$20 first if you're trying Settley Send for the first time. You will see the quote, network, token, deposit address, payment reference, expiry, and receiver claim path before relying on it for larger support money.

Held safely onchain until claimed

Your payment goes to a settlement wallet and stays there until your recipient collects it. It isn't mixed with anyone else's money.

onchain escrow

Every payment is onchain-verified

We confirm your payment by reading the blockchain directly. You and your recipient can both track it on a public explorer.

blockchain-verified

Payment links expire in 5 minutes

Every payment link works for 5 minutes. After that it closes, and you make a new one in Telegram.

5:00 expiry

Exact-amount matching

Only the exact amount shown confirms a payment. If you send less, it stays pending. If you send more, it goes to review instead of completing on its own.

exact match enforced

No double-claiming

Each payment has its own transaction ID. We check it, so the same payment can't be used twice to claim money.

tx-hash tracked

The receiver chooses when to act

Money only moves when your recipient claims it and picks how to receive. It doesn't go anywhere on its own.

receiver-initiated

What you see before you pay.

Trust starts with a clear transfer screen. Before sending funds, the payment page should make the important details visible and copyable.

  • Exact amount: the stablecoin amount to send and the estimated local amount before the receiver claims.
  • Network and token: Base USDC is the active route for this flow; unsupported rails should not appear on the payment surface.
  • Unique payment address: each payment gets its own deterministic address so matching does not depend on guessing between payments.
  • Payment reference: support can use the reference, claim code, sender name, amount, and transaction hash to investigate quickly.

Refund and review rules.

If a transfer cannot safely complete, the user should see a clear next step instead of a vague success message.

  • Expired payment link: make a new link in Telegram. Do not reuse an old payment screen after its expiry.
  • Underpayment: the transfer stays pending until the expected amount is reached from the same payment path.
  • Overpayment or suspicious activity: the transfer goes to manual review instead of completing automatically.
  • Unclaimed or unmatched funds: support will use the payment reference and onchain record to recover the claim code or explain the refund path.

Human support while the product is young.

Early users should not feel like they are sending money into a black box. Support needs enough information to investigate without asking for secrets.

For help, send the payment reference, claim code if you have one, amount, date, network, and transaction hash. Never share seed phrases or private keys. Reach support through settleysendbot on Telegram.
What this is, and isn't. These protections are built into the software. But stablecoins are digital assets, not bank deposits — they aren't government-insured, and blockchain transfers can't always be reversed. Bank payouts run through third-party partners. Read the full Risk Disclosure and Regulatory Status.