Launching 2026 · iOS first
Everyone'sreal here.Even the money.
goSettle brings secure messaging and money together in one app. Every person verified, every conversation encrypted, and your money under your own keys — where no one can touch it. Not even us.
Now in development in Rotterdam
Non-custodial
Your money. Your keys. We couldn't touch it if we tried.
Your seed phrase and private keys are generated on your phone and never leave it. goSettle doesn't have them, can't reach them, and can never get to your money. That's not a promise — it's how the app is built.
Keys live on your phone
Your keys are created on your device and stay there. There is no copy on a server, no master key, no back door.
No one can freeze you out
No bank freezing your account. No exchange collapsing with your balance in it. No "we'll hold it for you."
You can always recover
Your 12-word recovery phrase restores your wallet on any phone. You own your money — for real.
“The safest place for your money isn't a vault. It's you.”
Payments
Sending money should feel like sending a text.
No long wallet addresses. No copying codes and hoping for the best. On goSettle you send money to a person — the same way you'd send them a message.
To an @handle or phone number
Send €25 to @lisa or straight to a phone number. If you can text someone, you can pay them.
Right inside the chat
Send payment requests and payments where the conversation is already happening. Live status included, confirmation the second it lands.
Confirmed with Face ID
Every payment needs your face. Nothing leaves your wallet without you.
Swap without middlemen
Exchange assets right in your wallet — without ever handing your money to a third party.
Runs on the fastest networks — Solana first, plus Bitcoin, Ethereum and stablecoins like USDC and USDT. You never have to care about any of that.
Verified identity
You know exactly who you're talking to.
Everyone who can chat, call or receive money on goSettle has verified their identity with an ID document and a liveness check. Everyone on goSettle is exactly who they say they are.
Real people only
No anonymous accounts, no fake profiles, no bots. Every account belongs to a verified human being.
Account age you can see
Every profile shows how long it has been around. A two-year-old verified account feels very different from one made yesterday.
Marketplace misery, handled
Fake sellers and phishing profiles thrive on anonymity. Take the anonymity away and they have nowhere to hide.
Private by design
No one reads along. Not even us.
Every chat, call and file on goSettle is end-to-end encrypted. Our servers see that a message was sent — never what's in it. "We can't read your messages" isn't marketing. It's the architecture.
Self-destructing messages
Messages that disappear after a time you choose.
View-once photos & videos
Seen once, then gone. For the things that shouldn't linger.
Screenshot protection
Sensitive content stays where you sent it.
Encrypted calls & video
Talk face to face. No one in between.
Secure file sharing
Documents, photos and videos — sealed end to end.
Location, on your terms
Share your live location — only with who you choose, only as long as you choose.
How it works
Three steps. That's it.
- 1
Verify yourself, once
Scan your ID and take a quick liveness check. From then on, everyone knows you're real — and you know everyone else is too.
- 2
Chat and call, securely
Message, call and share with end-to-end encryption. Your conversations are yours alone.
- 3
Send money to an @handle
Pay anyone on goSettle like you'd text them. Confirm with Face ID. Done.
Where this is going
The app is just the beginning.
- 2026
Launch — secure chat, calls & your own wallet
- 2027
Pay from your bank account & KYC-once for businesses
- 2028
The goSettle card — pay everywhere with your balance
Can goSettle touch my money?
No. Your keys are generated on your phone and never leave it. We couldn't touch your money if we tried — and that's the whole point.
Can you read my messages?
No. Everything is end-to-end encrypted. Our servers see that a message was sent, never what's inside.
What if I lose my phone?
Your 12-word recovery phrase restores your wallet on a new phone. Keep it safe — it's the one thing that matters.
Ready for an internet where everyone's real?
goSettle launches in 2026 on iPhone. Follow along — you'll want to be early on this one.