MiniPay is a non-custodial stablecoin wallet from Opera. Transfers settle on the Celo blockchain. The sender addresses the transfer with a phone number.
As of October 2026, MiniPay’s homepage says a send lands in about 5 seconds where the wallet operates. The stated cost is less than $0.01. The same page states more than 20 million accounts, each tied to a verified phone number, and more than 600 million transactions settled on Celo.
The lead line says 70 countries. Another section on the page says more than 70.
Celo’s MiniPay developer documentation says the wallet ships inside the Opera Mini browser on Android. It also ships as a standalone app for Android and iOS. Opera’s 13 May 2025 newsroom post said sign-up uses a Google or iCloud account and a phone number. That post said the user does not write down a seed phrase.
A phone-number send is the basic transfer. The sender enters the recipient’s number and an amount in the stablecoin the app shows. The homepage prices that transfer at less than $0.01.
What MiniPay is structurally
MiniPay holds stablecoin balances on Celo. The holder starts a peer-to-peer transfer from the wallet. Opera’s 23 June 2026 newsroom post says Blueboard Limited, an Opera company, offers the product.
That post says MiniPay itself does not provide exchange, payment, or remittance services. On-ramps, off-ramps, and other payment tools in the app are third-party services.
Celo’s MiniPay documentation lists three displayed balances, USDm, USDC, and USDT. It says the wallet does not show a CELO balance. The network fee is paid in whichever of those stablecoins the wallet holds the most of.
The homepage still names cUSD beside USDC and USDT in the Pockets swap. Mento’s December 2025 rebrand note says the Celo Dollar token, cUSD, was renamed Mento Dollar, USDm, without a new contract address.
The live site says the wallet can be restored with a Google account. Fingerprint or face unlock confirms each payment. The site says MiniPay does not hold the funds.
The Opera Mini build runs inside that Android browser. The standalone iOS and Android apps are separate installs.
How it works in practice
Phone-number transfers
The sender types a phone number, enters an amount, and confirms. MiniPay’s homepage says the transfer lands in about 5 seconds where MiniPay works. Celo’s documentation says a phone number can stand in for an address.
Cash Links cover a recipient who does not have the wallet. The homepage says the sender shares a link by text or email. It describes that claim as instant and without a fee.
Local currency and the card
The homepage lists four ways to add funds: mobile money, bank transfer, card, or Google Pay. Withdrawal converts stablecoins into local currency. A third party handles each exchange, under that party’s restrictions and terms.
Opera’s June 2026 post names M-Pesa in Kenya, OPay in Nigeria, and Mercado Pago in Latin America. It describes those as local rails already tied to the wallet. The same post says virtual bank accounts let people receive money into the wallet as stablecoins. The release does not list countries for those accounts.
The homepage lists more than 70 mini apps for bills, airtime, gold, games, and similar payments. It marks some of those apps, and some rewards inside them, as select markets run by third parties.
On 23 June 2026 Opera launched the MiniPay Card, a digital Visa debit card. Gnosis Pay is the program manager. Monavate is the issuer. Eligible users are in selected markets across the European Economic Area, Africa, Latin America, and Southeast Asia.
Opera says the card spends at more than 175 million merchant locations. It can be added to Apple Pay or Google Pay. The cardholder spends from the wallet balance. The merchant is paid in local currency. The card has no monthly or annual fee. Opera described a nominal foreign-exchange fee.
The MiniPay Card Cashback Terms of Service, last updated 25 August 2026, set the reward rules. Rewards are up to 5% of the card transaction value in US dollars. Cardholders in the European Economic Area are paid in USDC. Other regions are paid in XAUt0, Tether Gold.
The calendar-month cap is 100 USDT or USDC, or the equivalent in XAUt0. Blueboard does not charge a currency-conversion fee under those terms. Visa exchange rates and fees can still apply when the purchase currency is not US dollars. Blueboard can change, suspend, or end the rewards. Confirmed rewards reach the wallet 30 to 60 days later.
The terms require age 18 or older, a MiniPay wallet, and a MiniPay Card. An annex excludes some goods and services.
Fees and pricing mechanics
MiniPay’s homepage prices a send at less than $0.01 and attributes that figure to sub-cent fees on Celo. A footnote limits zero-fee funding and withdrawals to select markets and select third-party providers.
The homepage also advertises balance rewards of up to 2% per week, with no lockup stated on that page. The page does not publish a contracted rate schedule for that reward.
| Charge | Stated terms |
|---|---|
| Send on Celo | Less than $0.01 on the MiniPay homepage |
| Funding or withdrawal | Zero MiniPay fee only with select providers in select markets |
| Card monthly or annual fee | None, in Opera’s 23 June 2026 release |
| Card foreign exchange | Opera described a nominal fee. Cashback terms say Blueboard charges no conversion fee, and Visa rates and fees can apply on non-US-dollar purchases |
| Card cashback | Up to 5% of the US-dollar value, capped at 100 USDT or USDC, or the XAUt0 equivalent, per calendar month |
Partner spreads on local-currency exchange sit with the third party. The homepage does not publish a MiniPay rate card for those spreads.
Limits, eligibility, and availability
Phone-number sends follow the homepage country list. Examples named on the page include the United States, Brazil, France, and Portugal. The homepage does not publish one global transfer cap.
Opera’s May 2025 release described peer-to-peer payments starting from $0.10, and partner cash-in from $1. Those figures belong to that release, not to a current limit table.
Celo’s MiniPay documentation places the browser build in Opera Mini on Android, and the apps on Android and iOS. Card eligibility is a shorter list than wallet eligibility. Opera limited the June 2026 card launch to selected markets in the European Economic Area, Africa, Latin America, and Southeast Asia.
Cashback applies in qualifying countries, and only for cardholders who meet the age and account rules in the cashback terms. Mini apps and zero-fee ramps are marked as select markets on the homepage.
Tradeoffs, risks, or limitations
The live site routes recovery through a Google account. Opera’s May 2025 note also named iCloud at sign-up. The site does not describe a written seed phrase as the backup.
If that cloud account is lost, the site does not describe another restore method. MiniPay does not hold the stablecoins. The balance is not a deposit at Opera.
Sends settle on Celo only. Celo’s documentation says the wallet runs on Celo mainnet. Sends that need that network cannot complete while Celo is unavailable.
Fiat exchange, the card, virtual accounts, and mini apps are partner services. A partner can decline a user, change a price, or withdraw a rail. Cashback terms let Blueboard change or end the reward, and they delay redemption by 30 to 60 days.
Opera’s June 2026 release calls the foreign-exchange charge nominal. The cashback terms say Blueboard charges no conversion fee, while Visa rates and fees can apply on non-US-dollar purchases.
Celo’s MiniPay documentation says the displayed assets are USDm, USDC, and USDT. It says no CELO balance is shown. The homepage still prints cUSD in the swap list. Mento’s December 2025 note calls that label change a rename of the same token.
