The dollar wallet
for Latin America
Sippy turns WhatsApp into a USDC wallet on Arbitrum One so you can send, receive, and hold dollars through messages without downloading an app, managing seed phrases, or learning anything about crypto.
How it works
Create wallet
SMS verification. 30 seconds. You get your own smart wallet.
Fund wallet
Buy USDC with local currency. Funds land directly in your wallet.
Send money
Type “send $20 to +573001234567” on WhatsApp. Arrives in seconds.
Why this matters
WhatsApp has 90%+ penetration across Latin America. Hundreds of millions of people open it before breakfast, and most of them want dollar stability because local currencies keep losing value. But nobody is downloading a new app to get it. Sippy puts a dollar wallet inside the app they already use, powered by an AI agent that speaks their language.
Architecture
WhatsApp message in, on-chain transaction out
WhatsApp Business API
User interface via Meta Cloud API
Coinbase CDP Wallets
Non-custodial embedded smart accounts
AI Agent
AI-powered payments in Spanish, English, and Portuguese
USDC on Arbitrum One
Stable, regulated, deep liquidity
Arbitrum One
Low-cost settlement, ~$0.01 per transaction
GasRefuel.sol
Gasless transactions for users
Trust & Security
Users own their wallets. Sippy operates through spend permissions that users set and can revoke at any time.
Non-custodial
Coinbase CDP Embedded Wallets. Users control their own smart accounts and can export their private keys.
User-controlled limits
Daily spend limits enforced on-chain via SpendPermissionManager. Users set and revoke these anytime.
Fully transparent
Every transaction is verifiable on Arbiscan. Amount, recipient, timestamp, all on-chain.
Traction
ETHOnline 2025 Finalist
Selected from hundreds of submissions at ETHGlobal.
View showcase(opens in new tab)Arbitrum Grants Program
Funded through Arbitrum New Protocols and Ideas 3.0 via Questbook.
Live on mainnet
Smart contracts deployed and operational on Arbitrum One. End-to-end payment flow validated.
Money as fast as your messages.
Launching Q2 2026 in Colombia.
Built to scale across Latin America.