MiniPay
MiniPay (Opera)
MiniPay, Opera's non-custodial stablecoin app, has over 16 million activated wallets and enables P2P transfers via phone number with zero gas fees for the user, across more than 65 countries. It supports USDT, USDC and cUSD on the Celo chain, virtual USD and EUR accounts and, since June 2026, a Visa card (via Gnosis Pay) in selected markets. Its main limit remains the absence of a declared regulator and its historical focus on emerging markets.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| SEPA transfer | Free |
| ATM withdrawal | not declared |
| Fund custody | Self-custody (funds in your control) |
| KYC | Light |
| Supported countries | AFRICA, EEA, APAC · 65+ countries |
| Regulator | none |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | none |
Plans & pricing
Strengths
- 16M+ activated wallets; self-custody (user holds keys); zero gas for user; P2P via phone number; USDT/USDC/cUSD; Visa card; 65+ countries.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- Light KYC: minimal identity verification.
Weaknesses
- No declared regulator; Visa card only in selected markets; focus on emerging markets.
- No notable sovereignty drawback documented.
Verdict
The high rating but B tier reflects MiniPay's huge scale, with over 16 million activated wallets and gas-free P2P transfers for the user, backed by the Opera brand. Protection stays limited, though: no declared regulator and undefined regulation. The Visa card (via Gnosis Pay, since June 2026) is for now available only in selected markets, and the historical focus on emerging markets still narrows its reach in the West.
MiniPay is among the more interesting here: it is a self-custody wallet (keys stay with the user), with light-only KYC, direct P2P transfers via phone number and zero gas for the user on the Celo chain that make it smooth and unobtrusive. Autonomy is real both for payments and for control of funds; the remaining limit is reliance on centralised stablecoins.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is MiniPay a real bank?
MiniPay is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with MiniPay?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does MiniPay support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does MiniPay support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from MiniPay?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- investor.opera.com Regulatory framework · Stock ticker · Stock listing · IPO date Data verified on Jul 18, 2026
- minipay.to Plans & pricing · Issuer · OAM Italy registry · Deposit guarantee · +2 Data verified on Jul 18, 2026
- press.opera.com Plans & pricing · Founders · Multi-currency · SEPA fee Data verified on Jun 15, 2026
Show 2 more sources
- security.opera.com Trust & safety Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026