First the app. Then your daily life.
We're building Certo in the order that makes sense: secure chat, your own wallet and Spaces first, then the ways you pay every single day.
This roadmap is where we're headed, not a signed contract, timing and details can shift as we build.
2026
Launch
The foundation: one app to chat, pay and sell, where the people you deal with are verified, every conversation is encrypted, and your money sits under your own keys. Get this right, and everything that follows gets easier. This is the year Certo went from being built to being in your pocket.
Secure chat & calls
End-to-end encrypted messages, voice and video calls, and file sharing. No one reads or listens along, not even us.
Your own wallet
A non-custodial wallet with the keys on your phone. Send money to an @handle or phone number, confirm with Face ID.
Verified identity
Everyone you chat with, pay or buy from is verified with an ID document and a liveness check, with account age visible on every profile.
Verified business accounts
Businesses join from day one, verified and clearly recognisable as businesses, so you always know who you're dealing with.
Spaces — sell and share
Your own place to sell things, services, courses and content, with orders in your chat, payment straight to your wallet, and real reviews because every buyer is verified.
2027
Money in daily life
Now the app is live, we connect it to the money you already use. Paying through Certo should feel as normal as paying with your bank, and verifying yourself once should count everywhere.
Pay from your bank account
Top up and pay straight from your bank account, without ever leaving the app.
Debit-style payments
PIN and debit-style payments through Certo, the everyday way of paying, minus the everyday friction.
One-tap KYC sharing
Share your Certo verification with other companies, including crypto companies, with direct wallet verification, in a single tap.
Never upload your passport again
One verification on Certo instead of a photo of your ID at every new service. Sign up in a click; your documents stay with you.
2028
The Certo card
The final step: your balance works everywhere, not just inside Certo. In stores, online, wherever cards are accepted, your money, finally as usable as it should be.
Pay in stores
Tap the Certo card at the checkout and pay with your balance, just like any other card.
Pay online
Check out online with your card, everywhere cards are accepted.
One balance, everywhere
What's in your wallet is what you can spend, straight away, everywhere.