A money app that looks like a bank

All the usual banking-app operations work the way you'd expect. Except transfers settle in fractions of a second, and the fee is always visible before you confirm.

Unwrap app screenshot

Features

What the app does

Only what you use every day. Not a single unfamiliar word, and no extra steps.

0.8% fee
A share of the transfer amount, the same for every payment. On larger transfers it never goes above $25.
QR payments
Scan and pay in seconds at a café, a shop, or to another person.
Bluetooth payments
Pay from your phone with Airpay. It feels better than Apple Pay: you see every payment detail and never have to reach toward the terminal.
One-tap to start
On iPhone 15 Pro and newer, map Airpay to the Action button and launch payments with one press.
On Android, add Airpay to the quick settings tile and start payments right from the shade.
400 ms per transfer
The money leaves and arrives almost instantly. Both sides see a notification right away.

Pricing

One rate for everything

The same rate covers transfers, QR payments, and Bluetooth payments. The fee amount is visible before you tap "Confirm".

See full pricing

Personal payments

0.8%

per transfer, capped at $25

How the app works

For business

QR and Bluetooth payments (Airpay) are already live. Online checkout, bots, and in-app payments are still in development.

Explore business tools

Vision

Why we built this

We want payments and transfers to feel as fast and natural as any other everyday action on your phone. You open the app, do the thing you wanted to do, no delays and no explanations needed.