Scan to pay
Merchants price in local currency; you scan and pay. Across currencies, the system converts at the published rate — each side sees exactly one price. No exchange-rate anxiety.
Local price → published rate → one price
Scan. Confirm.
Settled.
Mpay is the everyday payment app of the Meridian Special District — fast as a message, certain as cash. Local-currency pricing, automatic conversion, person-to-person transfers free forever. And when a payment lands, it is final.
Interface mockup · not a product screenshot
P2P transfersFree forever · not a promo
SettlementT+0 on-chain finality
PricingOne price, in local currency
SecurityBiometric co-signing, every time
The experience
Three things, made effortless
The whole point of a payment app is that you forget it exists. Mpay compresses everyday paying and getting paid into three gestures — the complexity sinks into the system, where it belongs.
Transfer like chat
Send to anyone by handle, or straight from a conversation. Person-to-person transfers are free forever — that's not a promotion, it's a commitment.
@handle → instant → zero fee
Settled means settled
Single-slot on-chain finality. No "processing", no money in transit. When you see "settled", the money has actually moved — and you never pay gas.
Confirm → final ≤ 5s → zero gas
This section describes mechanisms; it is not an offer of services. Each experience opens with the pilot, per formal announcements.
One payment's journey
Four steps, each one protecting you
Every phone screen below is a concept mockup — fictional merchant, fictional amount, not a screenshot of an existing product.
01
Scan
The merchant hangs a static code; the instant you scan it, the app looks up who that code is registered to.
02
Confirm
The name on the payment page comes only from the system registry — a code can be swapped, a name can't be faked. The amount is exactly what the merchant priced.
03
Co-sign
Your biometrics and your MID account sign together. A stolen phone, on its own, cannot move your money.
04
Receipt
Settlement is final the moment it lands, and a receipt follows — independently verifiable, even fully offline.
Mockup notice: every phone interface in this section is a concept mockup with fictional merchants and amounts — not a screenshot of an existing product. Final product form subject to release.
The money in your wallet
Two balances, one price
USDM + local M-currency · dual balance
Your wallet holds two balances: USDM, the ecosystem's settlement asset, and your jurisdiction's local digital currency (such as XCDM). Merchants price in local currency; pay from either balance — the system converts at the published rate, and the conversion line is printed on every bill.
Ecosystem settlementUSDMReferenced to 1 USD · ecosystem-wide
Jurisdiction localLocal-Me.g. XCDM · circulates in-ring only
How rates are set and reserves are reconciled — that evidence hangs on the gateway's wall: mex.ms →
Security design
Safe by structure, not by caution
None of these protections ask you to memorise a safety rulebook — they are built into the shape of every payment.
Co-signed, every payment
Every payment needs your biometrics and your MID account signing together — lose the phone, and the money still can't be signed away.
Attested names beat swapped codes
The payee name always comes from the system registry. A swapped sticker can't fake a name — unfamiliar name, no payment.
Limits and risk checks, per payment
Every payment passes limit and risk checks; anomalies go to human review — not to a blanket freeze of your money.
Receipts that prove themselves
Every payment issues an independently verifiable receipt — verifiable even offline. Prove you paid without asking anyone's permission.
For the people getting paid
A word for shopkeepers Illustrative
Fast to open, fast to settle, fees you can read. Forward this section to anyone who runs a shop.
Open in minutes
A phone and basic ID, fully online, minutes to start accepting. Trade within limits, upgrade whenever the business grows.
Licence + basic checks
Registered operators submit a business licence; limits widen, and staff sub-accounts mean you never hand over your own phone at the till.
Chains & institutions
Full KYB, reconciliation files and batch operations — built for chains, hotels and institutional acquiring.
Static QR · T+0 settlement
Print one code and tape it to the counter. Money settles with finality and Chat notifies you instantly. The code is dead, the name is alive: payers see your attested registry name — swapping stickers achieves nothing.
| Tier | Listed | Note |
|---|---|---|
| P2P transfers | 0 | Free forever |
| T0 stallholder | 0.3% | Launch waivers apply |
| Standard | 0.8% | Listed standard price |
Listed standard − launch waiver = amount charged, itemised on every statement. Figures are illustrative.
A real backstop
Refunds always return along the original route; disputes go to human arbitration, raised within 30 days, fully logged.
Merchant partnerships · hello@mpay.msThis section describes mechanisms with illustrative figures; it is not an offer. Final fees, limits and onboarding conditions follow formal announcements.
Where it sits
Identity is the door, the gateway guards the funds —
Mpay is the hand that reaches for the phone
MID tells the system who you are. Meridian One is the service gateway that carries it all. M Exchange controls how funds enter and leave. Mpay owns the three seconds a day when you actually pay.
FAQ
The eight questions we hear most
Can I download Mpay now?
Not yet. The system is at concept stage, with legal and regulatory arrangements being structured with the relevant partners and authorities. Services open progressively with the pilot, per formal announcements — and this site deliberately has no download or sign-up of any kind.
What money do I pay with?
Two balances: USDM, the ecosystem settlement asset, and your jurisdiction's local digital currency. Merchants price in local currency; pay from either balance and the system converts at the published rate — you only ever see one price.
What are the fees?
Person-to-person transfers are free forever. Merchant acquiring follows one elastic rule: listed standard price − launch waiver = amount charged, itemised on every statement. Figures on this site are illustrative; final rates follow announcements.
How long does settlement take?
T+0, single-slot on-chain finality — typically seconds. No "processing", no money in transit. Once you see "settled", that payment's state will never change again.
If I lose my phone, do I lose my money?
No. Every payment needs your biometrics and your MID account signing together — a phone alone cannot move money. A new device goes through identity recovery, with a protection window after restore.
What if the QR code was swapped?
The name on the payment page comes from the system registry, never from the sticker. A swapped code shows a stranger's name — stranger's name, no payment. That's structural protection, not sharp eyesight.
How do I prove I paid?
Every payment issues a receipt anchored to the ledger — independently verifiable by anyone, including fully offline. The verification service lives on its own domain and opens with the pilot.
I run a shop — how do I sign up?
Three tiers: T0 stallholder opens in minutes fully online; T1 registered adds a licence and basic checks; T2 full serves chains and institutions. See the merchants section above and write to us.
Fast, and certain
The experience of payment is speed; the substance of payment is certainty. Mpay puts both in the same transaction: fast as a message, certain as cash — with the evidence always hanging on the wall.