Good questions. Honest answers.

In 2026, on iPhone first. We're building the app right now in Rotterdam, under EU law.

Want to be early? Keep an eye on us — the people who join first will be the two-year-old verified accounts everyone trusts later.

Yes, and here's the part most apps can't say: it's safe from us too. Your money lives in a non-custodial wallet, which means your keys are generated on your phone and never leave it. goSettle doesn't hold your money. You do.

That means no bank can freeze you out and no exchange can collapse with your balance in it. The flip side: your 12-word recovery phrase is the one thing you need to keep safe. Treat it like the key to your house.

No. And not "no, we promise" — no, we technically can't. Your private keys are created on your device and never touch our servers. There's no copy, no master key, no back door.

If someone at goSettle wanted to move your money, there would be no way to do it. That's what non-custodial means, and it's the whole point of the app.

No. Every chat, call and file on goSettle is end-to-end encrypted. Messages are locked on your phone and only unlocked on the recipient's. Our servers pass along sealed envelopes they can't open. They see that a message was sent, never what's inside.

So when we say "we can't read along", that's not a policy we could quietly change. It's how the app is built.

Your wallet isn't gone. Your phone was just the place you used it. Install goSettle on a new phone, enter your 12-word recovery phrase, and your wallet is right back where you left it.

That phrase is the one thing standing between you and losing access, so store it somewhere safe and offline. Not in a screenshot, not in your email.

Because that's what makes goSettle work. Everyone who can chat, call or receive money here has verified their identity with an ID document and a liveness check, so you know exactly who you're talking to, and they know the same about you.

Fake profiles, bots and scam accounts thrive on anonymity. Take the anonymity away and they have nowhere to hide. Verifying takes a few minutes, once, and it's what makes everything else worth it.

Your verification is handled by a specialised verification partner and processed under the GDPR. goSettle is built in Rotterdam, under EU law. Your ID data is used to confirm you're a real person, nothing more.

And to be clear: your chats are never part of this. Verification and your conversations are completely separate. Your messages stay end-to-end encrypted, always.

The app is free to download. We'll be completely transparent about any fees at launch — no fine print, no surprises.

One thing we can already tell you: we don't run ads and we don't sell your data. That's not how this app makes sense.

At launch, goSettle supports Solana, Bitcoin, Ethereum and the stablecoins USDC and USDT. Solana is our main rail — super fast and nearly free — and stablecoins are handy when you want a balance that just stays put.

You can also swap between them right inside your wallet, without ever handing your money to a third party.

Exactly like sending a message. Pick the person — by @handle or phone number — enter the amount, and confirm with Face ID. You'll see the live status and get a clear confirmation the moment it lands.

No wallet addresses, no copying long codes and hoping for the best. If you can text someone, you can pay them.

Yes. From the 2026 launch, businesses get verified business accounts — clearly recognisable as businesses, so customers always know exactly who they're dealing with.

From 2027 it gets even better: single-click signup. Customers share their goSettle verification with your company in one tap — including direct wallet verification for crypto companies — instead of uploading their passport to yet another service.

goSettle launches on iPhone first in 2026. Android is on the roadmap. We'd rather not name a date we can't stand behind yet, but it's coming.

In steps. In 2027 we connect goSettle to your bank account and add PIN and debit-style payments. In 2028 the goSettle card arrives — pay with your balance everywhere, in stores and online.

These are forward-looking plans, so timing can shift. But this is the order we're building in.

No. A bank holds your money for you. goSettle deliberately doesn't. Your money sits in your own non-custodial wallet, under your own keys. We never hold it, so we can never freeze it, lose it, or lend it out.

Think of goSettle as the app that makes owning your own money as easy as banking — without the bank in the middle.