Join 10,000+ early adopters

Crypto without
the complexity

Send money, save, earn, and borrow - all from your phone. No bank account needed.

No credit check
Works offline
Cryptographic security

Welcome back

satoshi.cellfi.xyz

Total Balance

$650.00
+4.9%
this month

Recent Activity

Received from alice.cellfi.xyz

2 hours ago

+$50.00

CUSD

Interest Earned

Yesterday

+$0.82

CUSD

Sent to bob.cellfi.xyz

3 days ago

-$25.00

CUSD

Everything You Need

Simple, powerful tools to manage your money - all from your phone

Save in Bitcoin

Store value in the world's most trusted asset

Save in CBTC - Bitcoin on Citrea blockchain. Get Bitcoin's proven security with fast transactions and low fees. Your savings backed by 15+ years of battle-tested technology.

Bitcoin
Settlement
15+ Years
Security

Send

Two ways to move money instantly

Send via online blockchain transactions or SMS-enabled wallets with no internet required. Choose your method, send money to anyone, anywhere in the world.

< 60s
Average Time
99.9%
Success Rate

Earn

Your money works for you

Earn competitive interest on your crypto holdings. Put your money to work and watch it grow.

8%
APY Up To
Daily
Compound

Borrow

Access funds without selling

Get instant loans using your crypto as collateral. Keep your assets while accessing liquidity.

Up to 50%
LTV Ratio
Instant
Approval

Ready to experience financial freedom?

How It Works

Get started in three simple steps

Step 01

Sign up and get your wallet

Create your account in minutes. No bank account or credit check required. Get instant access to your digital wallet.

Account Active
Your Wallet
CBTCCBTC
0.0025
$150.00
$
CUSD
500.00
$500.00
Step 02

Send commands via SMS

Use simple text messages to send, save, and manage your money. Works on any phone, with or without internet.

See SMS in Action

Watch how easy it is to send crypto with simple text messages

Step 03

Earn, save, and send money

Put your money to work. Earn interest, send to friends, or access loans. All from your phone.

Savings APY
8.0%
Annual Percentage Yield
This Month
+$0.00
+4.9%
Balance Breakdown
Principal
$500.00
Interest Earned
+$0.00
Total Balance$500.00

Why CellFi?

Financial freedom for everyone, everywhere - with the security and features you need

What You Can Do

Powerful features that put you in control

No bank account needed

Get started without traditional banking requirements

Works offline via SMS

Send and receive money even without internet

Send money globally

Transfer funds across borders instantly, no high fees

Earn interest on savings

Put your money to work, earn competitive returns

Security First

How We Protect You

Multiple layers of protection keep your money safe

Cryptographic Security

Bitcoin-proven cryptographic protection secures your funds and personal data

Your Keys, Your Crypto

Full self-custody means you control your private keys, no one else

Transparent & Open Source

Open-source code audited by security experts

Decentralized Infrastructure

No single point of failure, secured on blockchain

256-bit
Encryption
100%
Open Source
24/7
Monitoring
0
Breaches
Proudly Part of
Citreaorigins

Accelerated by Citrea Origins, backed by industry-leading blockchain infrastructure

Blockchain

Built on Citrea

CellFi is deployed on Citrea, Bitcoin's first zero-knowledge (ZK) rollup. Every transaction settles on Bitcoin with cryptographic proofs ensuring security, speed, and verifiability.

Bitcoin-Level Security
Every transaction settles on Bitcoin blockchain with 15+ years of proven security
Cryptographically Verified
Every transaction is mathematically verified using zero-knowledge proofs for trustless security
Lightning-Fast Transactions
ZK rollup technology batches thousands of transactions for speed and lower fees
EVM Compatible
Works seamlessly with Ethereum tooling and wallets
Accelerator

Backed by Origins

CellFi is part of the Citrea Origins accelerator program, receiving support from industry experts and the wider Citrea ecosystem.

Technical guidance from Citrea team
Access to ecosystem resources
Vetted by industry experts
CBTC - Bitcoin on Citrea

Powered by CBTC

CellFi uses CBTC (Bitcoin on Citrea blockchain), bringing Bitcoin security and liquidity to your transactions.

Learn about CitreaView Origins Program
FAQ

Frequently Asked Questions

Everything you need to know about CellFi

CellFi is a mobile-first crypto platform that lets you send, save, earn, and borrow using just your phone. You can use SMS commands to manage your crypto, even without internet access. Our platform combines the security of blockchain with the simplicity of text messaging.

No! CellFi works via SMS, so you can send and receive money even without internet access. This makes it perfect for areas with limited connectivity or when you're traveling. Simply text commands to our secure operator number to manage your funds.

Absolutely. CellFi uses cryptographic security with Bitcoin-proven cryptographic protection. You maintain full self-custody of your private keys, meaning only you have access to your funds.

No bank account required! CellFi is designed to be accessible to everyone, regardless of their banking status. All you need is a mobile phone to get started. This makes it ideal for the unbanked and underbanked populations worldwide.

With CellFi, you can: Send money instantly to anyone via SMS or blockchain, Save in stablecoins to protect against inflation, Earn interest on your crypto holdings, Borrow against your crypto as collateral, and Access your funds 24/7 from anywhere in the world.

Getting started is easy! Join our waitlist to be among the first to get access. Once you're onboarded, you'll create your wallet in minutes, receive your secure SMS operator number, and start sending, saving, and earning. No technical knowledge required.

CellFi believes in transparent pricing. We charge minimal network fees for blockchain transactions, which are passed through at cost. SMS transactions have a small fee to cover operator costs. There are no hidden fees, monthly charges, or surprise costs. You'll always know exactly what you're paying.

Currently, CellFi supports CUSD (stablecoin) and CBTC (Bitcoin on Citrea blockchain). We're constantly adding support for more cryptocurrencies based on user demand. All transactions are secured by Citrea's zero-knowledge rollup technology and settle on Bitcoin.

Still have questions?

Our team is here to help. Reach out anytime.

Contact Support