Chat. Pay. Sell. One app does it all.
Chats, calls, files, payments and your own Space to sell from. Encrypted end to end, between verified people, with your money under your own keys. One app, nothing missing.
Chat & calls
A messenger with nothing to hide. Except your messages.
Everything you'd want from a modern messenger, end-to-end encrypted. Our servers see that a message was sent, never what's in it.
End-to-end encrypted chats
One-on-one and group chats, fully encrypted. What you say stays between you.
Encrypted voice & video calls
Call and video call with no one in between. Not us, not anyone.
Secure file sharing
Documents, photos and videos, sealed end to end, from your phone to theirs.
Location & live location
Share where you are, or where you're headed, only with who you choose, only as long as you choose.
Self-destructing messages
Set a timer, send the message, watch it disappear. You decide how long it lives.
View-once photos & videos
Seen once, then gone. For the things that shouldn't linger.
Screenshot protection
Sensitive content stays where you sent it. No sneaky screenshots.
Reactions, replies & search
Everything a messenger should do, react, reply, and find that one message from March.
Wallet & payments
Your money, finally in the same app as your conversations.
A full wallet built into your chats. Non-custodial, so it's actually yours. We couldn't touch it if we tried.
Your keys, on your phone
Your seed phrase and private keys are generated on your device and never leave it. No copy on a server, no back door.
Pay an @handle or phone number
No long wallet addresses. Send money to @lisa or straight to a phone number, done.
Payment requests in the chat
Ask for your half of dinner right where the conversation is happening. Paying it back is just as quick.
Live status, clear confirmation
Follow your payment in real time and get a clear confirmation the second it lands.
Fast and nearly free
Runs on Solana, super fast, nearly free, plus Bitcoin, Ethereum, USDC and USDT. You never have to think about any of it.
Swap inside your wallet
Exchange assets right inside your own wallet. Your money stays yours the whole time.
Face ID on every payment
Nothing leaves your wallet without your face. Every payment, every time.
12-word recovery
New phone? Your 12-word recovery phrase restores your wallet anywhere. Keep it safe.
Spaces & selling
Your own shop, in your pocket.
Sell anything, get paid to your wallet. A Space is your shop and your feed in one, inside the app where your chats and your money already live. See the Spaces page for the full story.
Sell anything
Physical goods, digital products, courses and services. One Space holds it all.
Get paid, no bank needed
Friends or clients pay your @handle and it lands in your own wallet. All you need is your phone.
Orders live in your chat
Every order shows up as a live card in the conversation, from first hello to paid.
Reviews that mean something
Only verified buyers can leave one, so every rating is earned, never bought.
Verified identity
The people you deal with are exactly who they say they are.
Everyone you chat with, pay or buy from on Certo has verified with an ID document and a liveness check. That changes everything about who you meet here.
Verified with ID + liveness
One ID scan and a quick liveness check. From then on, everyone knows you're real, and you know everyone else is too.
Account age on every profile
A verified account from two years ago tells a very different story than a profile made yesterday. You see it at a glance.
No anonymity where it counts
Chatting, paying and selling are for verified people only. Anonymity is where trouble hides, so where it matters, we took it away.
Verified business accounts
Businesses on Certo are verified and clearly recognisable as businesses. You always know when you're dealing with a company.
Share your KYC in one click
Coming in 2027: verified once on Certo, verified everywhere. Share your KYC with other companies in a single tap, no more uploading your passport to every new service.
Verified business accounts are live today; one-click KYC sharing follows in 2027. See the roadmap for the full picture.
All of this, in one app. Out now.
Certo is available now on iPhone and Android. Built in Rotterdam, and we keep building.