Everything you expect from a modern messenger. Plus your money.
Chats, calls, files, payments — encrypted end to end, between verified people, with your money under your own keys. One app, nothing missing.
Chat & calls
A messenger with nothing to hide. Except your messages.
Everything you'd want from a modern messenger, end-to-end encrypted. Our servers see that a message was sent — never what's in it.
End-to-end encrypted chats
One-on-one and group chats, fully encrypted. What you say stays between you.
Encrypted voice & video calls
Call and video call with no one in between. Not us, not anyone.
Secure file sharing
Documents, photos and videos — sealed end to end, from your phone to theirs.
Location & live location
Share where you are, or where you're headed — only with who you choose, only as long as you choose.
Self-destructing messages
Set a timer, send the message, watch it disappear. You decide how long it lives.
View-once photos & videos
Seen once, then gone. For the things that shouldn't linger.
Screenshot protection
Sensitive content stays where you sent it. No sneaky screenshots.
Reactions, replies & search
Everything a messenger should do — react, reply, and find that one message from March.
Wallet & payments
Your money, finally in the same app as your conversations.
A full wallet built into your chats. Non-custodial, so it's actually yours. We couldn't touch it if we tried.
Your keys, on your phone
Your seed phrase and private keys are generated on your device and never leave it. No copy on a server, no back door.
Pay an @handle or phone number
No long wallet addresses. Send money to @lisa or straight to a phone number — done.
Payment requests in the chat
Ask for your half of dinner right where the conversation is happening. Paying it back is just as quick.
Live status, clear confirmation
Follow your payment in real time and get a clear confirmation the second it lands.
Fast and nearly free
Runs on Solana — super fast, nearly free — plus Bitcoin, Ethereum, USDC and USDT. You never have to think about any of it.
Swap inside your wallet
Exchange assets without handing your money to a third party. It stays yours the whole time.
Face ID on every payment
Nothing leaves your wallet without your face. Every payment, every time.
12-word recovery
New phone? Your 12-word recovery phrase restores your wallet anywhere. Keep it safe.
Verified identity
Everyone here is exactly who they say they are.
Everyone who can chat, call or receive money on goSettle has verified with an ID document and a liveness check. That changes everything about who you meet here.
Verified with ID + liveness
One ID scan and a quick liveness check. From then on, everyone knows you're real, and you know everyone else is too.
Account age on every profile
A verified account from two years ago tells a very different story than a profile made yesterday. You see it at a glance.
No anonymous accounts
No fake profiles, no bots, no throwaway accounts. Anonymity is where trouble hides, so we took it away.
Verified business accounts
Businesses on goSettle are verified and clearly recognisable as businesses. You always know when you're dealing with a company.
Share your KYC in one click
Coming in 2027: verified once on goSettle, verified everywhere. Share your KYC with other companies in a single tap — no more uploading your passport to every new service.
Verified business accounts arrive with the 2026 launch; one-click KYC sharing follows in 2027. See the roadmap for the full picture.
All of this, in one app. 2026.
goSettle launches in 2026 on iPhone. We're building it right now, in Rotterdam.