Built so you don't have to trust us.
Most apps ask for your trust. We designed goSettle so it doesn't need it: we can't read your messages and we can't touch your money. This page explains exactly how — in human language.
End-to-end encryption
Only you and the receiver hold the key.
When you send a message on goSettle, it's locked on your phone and can only be unlocked on the receiver's phone. That's what end-to-end encryption means: the two ends hold the keys, and nothing in between — including us — can open the message.
This isn't a policy we promise to follow. It's mathematics. Even if someone demanded your messages from us, showed up with a court order or hacked our servers, there would be nothing readable to hand over.
What goSettle sees
- That an encrypted message was sent from one account to another
- The technical minimum needed to deliver it (like when your app was last online)
What goSettle can never see
- What's inside your messages, calls, photos, videos or files
- Your location shares
- Who you are talking about, or what you agreed on
Non-custodial, explained
Your keys never leave your phone. Neither does your money's front door.
When you set up your goSettle wallet, your phone generates a seed phrase — 12 words — and derives your private keys from it. This happens on your device, and the result stays on your device. No copy is sent to us, no fragment, no backup we could read.
Whoever holds the keys controls the money. Since only you hold them, only you control your money. We can't move it, freeze it, lend it out or lose it in a bankruptcy. We simply don't have it. goSettle is not a bank and not a custodian, and that's exactly the point.
Lose your phone? Your money isn't on the phone. It's on the network, and your 12 words are the key to it. Install goSettle on a new phone, enter your recovery phrase, and everything is back. That also means the 12 words deserve real care: whoever has them, has your wallet. Write them down, keep them offline, tell no one.
Verified identity
Everyone is real. Here's how we make sure.
Before anyone can chat, call or receive money on goSettle, they verify who they are: a scan of a valid ID document plus a liveness check that confirms a real, living person is holding it. Verification is handled with a specialised verification partner and processed under the GDPR.
Your chats are never part of verification — identity data and conversations live in strictly separate worlds. And what other users see is deliberately minimal: your name, your @handle, that you're verified, and how long your account has existed. Not your document, not your date of birth, not your ID number.
That visible account age matters more than it sounds: fraud thrives on freshly made, disposable profiles. On goSettle, a profile with history is visible at a glance, and a profile without history is too.
Made in Europe
Rotterdam-built, GDPR by default.
goSettle is built in Rotterdam by goSettle B.V. and operates under European law. Privacy here isn't a marketing angle. It's the legal baseline we're held to, with the GDPR setting hard rules for how identity data is handled and real enforcement behind them.
Our business model is the service itself. No advertising, no data brokers, no selling of anything about you, and the website you're reading right now uses zero cookies. When a company doesn't earn money from your data, it doesn't need to collect it. That's the whole idea.
Under EU law
GDPR isn't optional for us. It's the law we're built on.
No ads, no data selling
You are the customer, not the product.
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