# Welcome {% hint style="info" %} Numpay is a decentralized ai powered payment protocol that allows users to send and receive money instantly, anywhere in the world, without banks, borders, or fees. We use blockchain infrastructure to eliminate traditional payment bottlenecks, no intermediaries, no transaction delays, no compliance restrictions tied to national systems. Funds are transferred in seconds using just a phone number as the destination. ***Everything is on-chain, verifiable, and secure.*** {% endhint %} In traditional banking systems, customer KYC details and personal data are stored, shared, and often monetized, sometimes without the user even knowing. At Numpay, we follow a completely different approach. We neither store nor sell any user data. In fact, we don’t even have access to it. This is the power of decentralisation and privacy at the core of our project. Numpay ensures full control stays with the user, no central authority, no data exploitation. ### **Why It Works** * **Decentralized Settlement:** Payments are processed using smart contracts, removing third-party control and reducing settlement times to near-zero. * **Wallet Linking via Phone:** Users don’t need long wallet addresses. Each wallet can be associated with a verified phone number using encrypted identity mapping. * **Zero Transaction Fees:** The Numpay protocol absorbs network costs through an optimized token model and relayer infrastructure. * **Global Reach:** Anyone with internet access can use Numpay, no bank accounts, no currency restrictions, no waiting periods. * **Privacy & Security:** All data is secured with end-to-end encryption. Funds remain under user control at all times. ### **How It’s Different** * Unlike traditional remittance services, we don’t depend on correspondent banks. * Unlike mobile money apps, we don’t lock users into a country or ecosystem. * Unlike most crypto apps, we don’t require complex wallet setups or knowledge of blockchains. ### **Who It’s For** * Individuals sending money to family abroad * Freelancers receiving cross-border payments * Businesses handling international payroll * Users who want a simpler, cheaper alternative to banks. {% embed url="" %} --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://numpay.gitbook.io/numpay/welcome.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.