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⬡ HumanPay Protocol — Built in Rust

The Finance
Blockchain

Open protocol. Community token. 40+ apps live. Xetro wallet now on the App Store. Build on HumanPay and reach millions across 12 global markets.

⬡ Start Building Free View Ecosystem
⬡ HumanPay Protocol HMP Token — 100M Fixed Supply ⬡ Synapse AI API — Now Live ⚽ Terrace Football Social — Now Live 💬 Relay Crypto Messaging — Now Live Xetro Wallet — App Store Review 📡 Xetro Mesh — Offline Bluetooth Payments ⬡ Meridian Swap — Live Now Zanzibar Pilot — October 2026 ⬡ 12 Global Markets by 2029 ICO Round 1 — August 2026 ⬡ Office Suite — Live Now First 50 Developers Free ⬡ HumanPay Protocol HMP Token — 100M Fixed Supply ⬡ Synapse AI API — Now Live ⚽ Terrace Football Social — Now Live 💬 Relay Crypto Messaging — Now Live Xetro Wallet — Live Now ⬡ Meridian Swap — Live Now Zanzibar Pilot — October 2026 ⬡ 12 Global Markets by 2029 ICO Round 1 — August 2026 ⬡ Office Suite — Live Now First 50 Developers Free
100M
HMP Hard Cap
40+
Apps Live Now
12
Global Markets
2M+
Users by 2029
The Protocol

Infrastructure for the
next generation of finance

HumanPay is a custom blockchain written in Rust. It processes gifts, earnings, redemptions, and conversions — with zero fees for the first 50 developers who build on it.

05 Synapse AI AI API platform — text, analysis, coaching, translation. Gated by HMP staking. New · AI Layer
04 Finance Apps Xetro, Apex, Meridian, Office, Sovereign and 34 more — all built on HumanPay You Build Here
03 HumanPay API Node.js REST API — balance, send, mint, checkin, schools, referrals, ICO, Synapse REST / JSON
02 HMP Token HumanPay Blockchain — 100M hard cap, transaction types: Gift, Earned, Redeemed, Conversion HumanPay Chain
01 humanpay-protocol Custom blockchain in Rust — automine, CLI mint, transaction ledger, PM2 deployed Rust / Hetzner
How HMP is Created

The world's first
human-powered blockchain.

Every other blockchain is mined by machines burning electricity. HumanPay is mined by people doing something remarkable — being generous.

🎁
Send a gift — Mine a block
Every time you send HMP to someone, a new block is written to the HumanPay chain. You mined it. No computer required.
💸
Tip someone — Earn HMP
Send a tip to a friend, a creator, or a local business. Both of you earn HMP. Generosity is literally rewarded on-chain.
📱
Check in — Earn HMP
Scan a merchant QR code and you both earn. Customer earns for loyalty. Merchant earns for participation. Everyone wins.
🔗
Refer someone — The chain grows
Every person you bring into the network adds a node. The more people participate, the stronger and more valuable the chain becomes.
Proof of Generosity
Not proof
of work.
Proof of
giving.
Bitcoin rewards electricity. HumanPay rewards kindness. Every act of generosity on the network creates real, permanent value recorded on the blockchain forever.
100,000,000 HMP — Fixed forever — Mined only by humans
20% of every block reward goes to charity — automatically
The Ecosystem

39 apps. One blockchain.
All powered by HMP.

Every app in the HumanPay ecosystem uses HMP as its currency. Protocol fees flow back to HumanPay CIC regardless of who built the app.

New · AI Platform

Synapse — The AI Layer for HumanPay

Stake HMP. Get API access to Claude AI. Text generation, document analysis, finance coaching, translation and more. The world's first blockchain-gated AI API.

Explore Synapse →
💎
Xetro
Flagship wallet. Send, receive and earn HMP. Multi-chain USDT. QR payments. Offline Bluetooth payments via Xetro Mesh.
● Live Now
🌍
Meridian
FX Swap. 1,500+ currencies. Buy USDT with card. No sign up required.
● Live Now
📈
Apex
Round-up investing. Stake USDT for HMP yield. Build your stack automatically.
● Live Now
⚖️
Balance
AI Budget Coach. Set budgets, track goals, get personalised financial advice via Claude.
● Live Now
🌾
Harvest
Staking platform and competitions. Lock HMP to earn monthly rewards.
● Live Now
📊
Vektor
Portfolio tracker. HMP balance, staking rewards, earnings projections and tax report.
● Live Now
🤝
PaySplit
Split bills in GBP or USDT. Settle in HMP. Earn for paying promptly.
● Live Now
Conduit
Bulk payments. Send HMP or USDT to hundreds of wallets in one click. CSV import.
● Live Now
🏠
RentTrack
Landlord & tenant rent tracking. On-chain payments, contracts, appointments.
● Live Now
🧠
Synapse
AI API platform. Stake HMP for access to Claude AI — chat, analysis, coaching, translation.
◈ AI Platform · Live
Terrace
Football social platform. Games, groups, market and crypto payments.
● Live Now
💬
Relay
Crypto messaging app. Chat and send any token wallet to wallet.
● Live Now
📡
Xetro Mesh
World first. Send HMP between phones via Bluetooth with zero internet. Built for unbanked communities in Zanzibar and beyond.
● Live in Xetro
💳
CreditWatch
Credit score monitoring. Earn HMP for improving your score.
○ Coming Soon
🛡️
InsureTrack
Track all your insurance. Renewal alerts. Earn HMP for optimising cover.
○ Coming Soon
🎮
Quest
Finance literacy game. Learn financial skills, earn real HMP. Post-ICO.
○ Coming Soon
🔐
VaultDocs
Secure financial document storage. On-chain verification. Share in seconds.
● Live Now
📜
ContractMint
NFT contracts. 54 templates. Digital agreements on-chain. Includes WillVault.
● Live Now
💡
Lumina
Finance education. Learn money. Earn HMP. AI tutor via Claude.
● Live Now
🫶
Cause
Charitable giving in HMP/USDT. Create a cause. Verified on-chain donations.
● Live Now
🏢
Office
Full business suite. Board, campaigns, docs, calendar, chat and 8 AI tools. Built for teams.
● Live Now
👑
Sovereign
Business suite. Transactions, petty cash, sub-accounts, receipts. Unlocked by staking.
● Live Now
📒
Ledger
Full accounting suite. P&L, VAT returns, payroll. AI Bookkeeper powered by Claude.
● Live Now
🌐
Orbit CRM
The best CRM for small businesses. Customers, pipeline, loyalty, SMS, suppliers.
● Live Now
💰
Cash Up
End-of-day reconciliation. Cash, card and crypto totals. One tap close.
● Live Now
🎯
Owner Dashboard
Unified control panel. All apps, QR codes, staff PINs and operations in one place.
● Live Now
🧾
Till
Point of sale for any business. Crypto, card and cash. Works offline. Built for Zanzibar.
● Live Now
📋
Orders
Table ordering for waiters. Send orders to kitchen and bar instantly from any phone.
● Live Now
🍳
Kitchen
Kitchen display system. See food orders in real time. New, in progress, ready columns.
● Live Now
🍹
Bar
Bar display system. Drink orders come straight from the waiter's phone to the bar.
● Live Now
📅
Reservations
Table booking manager. Floor plan, calendar, no double bookings, arrival tracking.
● Live Now
🌐
Book
Public booking page. 5-step wizard, dietary requirements, occasion selector. Embed anywhere.
● Live Now
📦
Stockroom
Inventory management. Low stock alerts, supplier orders, delivery tracking. Links to Ledger.
● Live Now
👨‍🍳
Recipe Costing
Dish margin calculator. Ingredient costs auto-fill from Stockroom. Fix margins in one tap.
● Live Now
♻️
Waste Tracker
Food waste logging. Auto-deducts from Stockroom, records to Ledger. Analytics and trends.
● Live Now
🗓️
Staff Rota
Weekly scheduling. Labour cost calculator. Email shifts to staff. Syncs to Ledger.
● Live Now
☀️
Daily Briefing
Morning snapshot. Sales, reservations, stock alerts, waste and margins — all in one view.
● Live Now
📱
Check-in
Customer self check-in via QR code. Collect loyalty stamps. Auto-creates Orbit profile.
● Live Now
🪙
Mint
Create your own coin, token or NFT on the HumanPay blockchain.
● Live Now
🏪
Bazaar
Buy and bid on coins, tokens and NFTs minted on the HumanPay blockchain.
● Live Now
📡
Pulse
Live HumanPay network analytics. HMP supply, wallet count, ICO countdown, roadmap.
● Live Now
🔍
Cipher
HumanPay blockchain explorer. Search wallets, transactions, tokens and rich list.
● Live Now
🛒
Pay Widget
Embeddable crypto payment widget. Add to any website to sell crypto instantly.
● Live Now
📊
CTZ Trading
Signal Hub, Strategy Marketplace, Pine Script Builder, Copy Trading.
◈ Phase 3 — Post 2027
World First

Offline payments.
No internet needed.

Xetro Mesh uses Bluetooth Low Energy to send HMP between phones with zero internet, zero mobile data, and zero fees. Built for communities where connectivity is unreliable — from Zanzibar to rural Italy.

📡
Bluetooth range
100m
Device to device
Transfer time
<1s
Instant via BLE
🔗
Internet required
Zero
Syncs when online
🌍
First pilot
Zanzibar
October 2026

How it works: a buyer opens Xetro and taps Send nearby. Their phone scans for Xetro users via Bluetooth. They select the recipient, enter an amount, and send. The transaction is signed locally — no server needed — and queued until either phone gets signal. When it does, it syncs to the HumanPay blockchain automatically.

Build on HumanPay

First 50 developers
build completely free.

HumanPay protocol is open. Any developer can build a finance app on our blockchain and reach HMP users across 12 global markets. Zero protocol fees for the first 50 apps. After that, standard protocol fees apply on every transaction — paid in HMP.

Apply for Early Access →
humanpay-api / example
// Send HMP to a user
const res = await fetch('https://api.humanpay.app/send', {
  method: 'POST',
  body: JSON.stringify({
    from: walletAddress,
    to: recipientAddress,
    amount: 100,
    type: 'Gift'
  })
});

// Synapse AI — one API call
const ai = await fetch(
  'https://api.humanpay.app/synapse/chat',
  { headers: { 'X-Wallet-Address': addr } }
);
Zero fees for first 50 apps No protocol fees until your app is profitable
🌍
12 markets, 2M+ users by 2029 Your app reaches unbanked users globally
🧠
Synapse AI included Claude AI built into the stack — one API, no extra setup
Roadmap

From Thanet to
the world.

A phased expansion across 12 markets. Every milestone is designed around one convergence point — October 2026.

May 2026 — Now
Phase 1: Foundation
  • HumanPay CIC registered (Company No. 17237322)
  • HumanPay blockchain live on Hetzner VPS
  • Xetro wallet — submitted to Apple App Store (June 2026)
  • Xetro Mesh — world first offline Bluetooth crypto payments
  • Meridian swap infrastructure — live at meridian.humanpay.app
  • 39 apps live across finance, restaurant and business
  • Synapse AI API — launched June 2026
  • Africa's Talking SMS — Tanzania production approved
June — September 2026
Growth Sprint
  • Xetro — App Store + Google Play public launch
  • Xetro Mesh — offline HMP payments via Bluetooth for Zanzibar pilot
  • Pay by Bank — TrueLayer open banking (post App Store approval)
  • KAST card integration — spend crypto anywhere Visa accepted
  • BaaS partnership — card issuing + IBANs (Unlimit / EqualsMoney)
  • ICO preparation begins
  • Social media launch — Instagram, TikTok, X
October 2026
The Convergence
  • Zanzibar pilot launch — tourist economy, QR + SMS
  • ICO Round 1 — £50,000 target (1M HMP at 5p)
  • BTC cycle peak — optimal ICO timing
December 2026
Italy Village Pilot
  • Italy village pilot — ~709 residents
  • EU/EEA — Unlimit IBANs + virtual Mastercard
  • Christmas 2026 launch
  • Veritas KYC protocol — Q4 2026 preview launch
Q4 2026
Veritas — Decentralised Identity
  • Zero-knowledge proof KYC on HumanPay blockchain
  • Soulbound NFT badge in Xetro wallet
  • Verify once — accepted across entire ecosystem
  • Business API — $0.50 per check
  • Enterprise tier — stake 10,000 HMP for unlimited access
  • Learn more →
2027
Phase 2: Global Expansion
  • Bali, Thailand, Argentina, Nigeria, Kenya, Vietnam
  • CreditWatch, InsureTrack, Quest — all launched
  • Synapse AI — image generation, speech, video added
  • DEX listing — HMP tradeable on major exchanges
Post 2027
Phase 3: CTZ Trading Platform
  • Signal Hub — live ICT trading signals via HMP subscription
  • Pine Script Builder — plain English to Pine Script via AI
  • Copy Trading Layer — HMP-staked follower system
  • UAE, Mexico, Colombia, Brazil, India expansion
2028 — 2029
Global Scale
  • 2M+ users across 12 markets
  • Open protocol — third-party developer ecosystem
  • HMP listed on major exchanges
ICO Round 1
5p
per HMP token

Early investors get the lowest price. 1,000,000 HMP available in Round 1. ICO opens August 2026 — timed to coincide with the Zanzibar pilot launch and anticipated BTC market peak.

Register Interest →
£50,000
Round 1 Target
1,000,000
HMP Available
100,000,000
Hard Cap Forever
Aug 2026
ICO Opens
3 Year
Vesting — 30% Bonus
£25,575
Matched Funding
Get started

Build on HumanPay.
Shape the future of finance.

Open protocol. First 50 developers free. 39 apps live. One blockchain powering finance across 12 global markets.

⬡ Apply to Build Free Download Xetro Explore Synapse AI

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