List of Social Payments projects in Web3 (2026)

xRocket Wallet is a custodial wallet inside Telegram for depositing, storing, and withdrawing digital assets across multiple blockchain networks, with a transaction history. Users send funds to any Telegram contact instantly and without fees, and can create crypto cheques and invoices or pay by QR code where supported. xRocket holds the private keys, keeps most assets in cold storage, and ties access to the user's Telegram session.

Collab.Land is a community management platform that verifies token ownership for Discord and Telegram servers, enabling token-gated access through automated bot systems. The platform includes subscription-based features for advanced token gating rules, balance checking, miniapp marketplace, and on-chain tipping functionality.

FluxBot is a Telegram trading bot for Solana that lets users buy and sell tokens, including Token Extensions tokens, from a chat interface. Orders route through an external aggregator for pricing, and users can set limit orders, schedule dollar cost averaging, snipe new launches, and lend or borrow through an integrated lending protocol. Copy trading replicates the trades of any chosen wallet in real time with user-set amounts. FluxPay lets users send and receive Solana tokens by Telegram identity rather than wallet address, and an AI assistant turns plain-language requests into transactions.

Chainpaye is a WhatsApp-based payments platform for cross-border transfers and stablecoin off-ramps aimed at individuals and families moving money across Africa and abroad. Users issue chat commands to send, receive, and convert multiple fiat currencies, generate payment links, and off-ramp stablecoins directly to a bank account or mobile money. Settlement routes through stablecoins across multiple blockchains, with crypto-to-bank conversions completing in under a minute. The platform also offers a tiered spending card that lets users pay with stablecoin balances at physical and online merchants.

Quidli Platform provides hosted crypto reward infrastructure through social app integrations, enabling automated token distribution via Discord, Slack, Telegram, and email. The system manages custodial wallets while facilitating emoji-based transactions, bounty workflows, and batch reward distributions across multiple blockchain networks.

UMA (Universal Money Address) is a messaging protocol that enables compliance-ready cross-border payments using email-like addresses. The system facilitates Travel Rule compliance and regulatory requirements for financial institutions while maintaining Lightning Network interoperability.

The tip.md Farcaster Mini App is a social payments tool that lets Farcaster users send crypto tips to developers directly within the Farcaster social feed. It surfaces personalized developer activity and lets supporters tip using social identifiers rather than copying wallet addresses. The mini app shares its backend and wallet infrastructure with the main tipping platform but is accessed and used independently within Farcaster.

Yodl Pay is a mobile application that lets travelers make stablecoin payments by scanning everyday local QR codes such as PIX, VietQR, GCash, and QR Ph. Users pay merchants directly from a self-custodial wallet, with funds converted so the merchant receives their own local currency rather than crypto. The app targets travelers and digital nomads paying in person in supported countries, removing the need to hold or exchange local cash or use traditional card rails.

MintPay enables direct creator tipping through shareable links without requiring fan account creation. This streamlined payment interface allows fans to support creators via credit or debit card with instant USDC conversion, providing creators with chargeback protection and same-day withdrawals while charging fans only a 5% processing fee.