Good questions. Honest answers.

Yes. Certo is out now on iPhone and Android, built in Rotterdam, under EU law.

Joining early still pays off: the people who join now will be the two-year-old verified accounts everyone trusts later.

Yes, and here's the part most apps can't say: it's safe from us too. Your money lives in a non-custodial wallet, which means your keys are generated on your phone and never leave it. Certo doesn't hold your money. You do.

Because you hold the keys, your money is always there and always yours, whatever happens around it. The flip side: your 12-word recovery phrase is the one thing you need to keep safe. Treat it like the key to your house.

No. And not "no, we promise", no, we technically can't. Your private keys are created on your device and never touch our servers. There's no copy, no master key, no back door.

If someone at Certo wanted to move your money, there would be no way to do it. That's what non-custodial means, and it's the whole point of the app.

No. Every chat, call and file on Certo is end-to-end encrypted. Messages are locked on your phone and only unlocked on the recipient's. Our servers pass along sealed envelopes they can't open. They see that a message was sent, never what's inside.

So when we say "we can't read along", that's not a policy we could quietly change. It's how the app is built.

Your wallet isn't gone. Your phone was just the place you used it. Install Certo on a new phone, enter your 12-word recovery phrase, and your wallet is right back where you left it.

That phrase is the one thing standing between you and losing access, so store it somewhere safe and offline. Not in a screenshot, not in your email.

Because trust is the product. Everyone you chat with, call, pay, sell to or buy from on Certo has verified their identity with an ID document and a liveness check, so you know exactly who you're dealing with, and they know the same about you.

You don't need to verify just to look around, or to keep a Space where you share your work. But the moment you want to chat, sell or get paid, verification comes first. It takes a few minutes, once, and it's what makes everything else worth it.

A Space is your own place inside Certo to sell and share: a shop and a feed in one. List products, post what you're making, take orders as live cards in your chat, and get paid straight to your own wallet.

Anyone can keep a Space to share. Selling is for verified people only, so every shop has a real, checked human behind it, and every review comes from a verified buyer.

Yes. Friends or clients pay your @handle and the money lands in your own wallet, under your own keys. All you need is your phone. And if you do have a bank, that's fine too: from 2027 Certo connects to your bank account.

It works worldwide, right away. A client three countries over pays you the way a neighbour would.

Your verification is handled by a specialised verification partner and processed under the GDPR. Certo is built in Rotterdam, under EU law. Your ID data is used to confirm you're a real person, nothing more.

And to be clear: your chats are never part of this. Verification and your conversations are completely separate. Your messages stay end-to-end encrypted, always.

The app is free to download. We're completely transparent about any fees, no fine print, no surprises.

One thing we can already tell you: we don't run ads and we don't sell your data. That's not how this app makes sense.

Certo supports Solana, Bitcoin, Ethereum and the stablecoins USDC and USDT. Solana is our main rail, super fast and nearly free, and stablecoins are handy when you want a balance that just stays put.

You can also swap between them right inside your wallet. Your money stays yours the whole time.

Exactly like sending a message. Pick the person, by @handle or phone number, enter the amount, and confirm with Face ID. You'll see the live status and get a clear confirmation the moment it lands.

No wallet addresses, no copying long codes and hoping for the best. If you can text someone, you can pay them.

Yes. Businesses get verified business accounts, clearly recognisable as businesses, so customers always know exactly who they're dealing with.

From 2027 it gets even better: single-click signup. Customers share their Certo verification with your company in one tap, including direct wallet verification for crypto companies, instead of uploading their passport to yet another service.

Yes. Certo is in the App Store for iPhone and in Google Play for Android. Same app, same verified people, same wallet under your own keys.

In steps. In 2027 we connect Certo to your bank account and add PIN and debit-style payments. In 2028 the Certo card arrives, pay with your balance everywhere, in stores and online.

These are forward-looking plans, so timing can shift. But this is the order we're building in.

No. A bank holds your money for you. Certo deliberately doesn't. Your money sits in your own non-custodial wallet, under your own keys. We never hold it, so we can never freeze it, lose it, or lend it out.

Think of Certo as the app that makes owning your own money as easy as banking. And banks stay welcome: from 2027 you can pay straight from your bank account inside Certo.