Settley Send Back to Settley Send

How your money is protected.

When you send with Settley, your money doesn't sit in someone's account. It sits on the blockchain until the person you're sending to claims it. Here's how that works.

Held safely onchain until claimed

Your payment goes to a settlement wallet and stays there until your recipient collects it. It isn't mixed with anyone else's money.

onchain escrow

Every payment is onchain-verified

We confirm your payment by reading the blockchain directly. You and your recipient can both track it on a public explorer.

blockchain-verified

Payment links expire in 5 minutes

Every payment link works for 5 minutes. After that it closes, and you make a new one in Telegram.

5:00 expiry

Exact-amount matching

Only the exact amount shown confirms a payment. If you send less, it stays pending. If you send more, it goes to review instead of completing on its own.

exact match enforced

No double-claiming

Each payment has its own transaction ID. We check it, so the same payment can't be used twice to claim money.

tx-hash tracked

The receiver chooses when to act

Money only moves when your recipient claims it and picks how to receive. It doesn't go anywhere on its own.

receiver-initiated
What this is, and isn't. These protections are built into the software. But stablecoins are digital assets, not bank deposits — they aren't government-insured, and blockchain transfers can't always be reversed. Bank payouts run through third-party partners. Read the full Risk Disclosure and Regulatory Status.