The wallet
Like cash, but digital
Bitcredit eCash is the reference wallet for the protocol: non-custodial, peer-to-peer, private by default, like banknotes. Your keys stay on your device: no mint, and nobody else, can spend or freeze what you hold. Built on Bitcoin and Nostr.
Best used with Bitcoin. USD, EUR, CNY and others coming soon.
- Send
- Pay anyone instantly, in person or across borders.
- Request
- Ask to be paid, now or scheduled for later.
- Tap
- Pay in store with NFC or QR. Contactless, instant.
- Simple
- Only 1 sat per transaction. No monthly fee, no hidden charges.
- Secure
- Your keys, your Bitcoin.
The problem e-cash solves
A bill is good. It is not small.
An accepted e-bill is sound value, but it comes in one lump with one maturity. You cannot pay eleven workers and a diesel bill with a single instrument due in ninety days.
A mint solves the shape problem. It takes the bill, holds it to maturity, and splits it into e-cash you can spend in any denomination, the same job specialist houses did for merchant bills two centuries ago, without the building.
What a mint quotes
The whole bill, priced by time
Illustrative figures, not a quote
A bill is minted whole: it is one instrument and it changes hands in one piece. What you negotiate is the minting fee, and that fee is a function of how long the mint has to wait.
Bill face value
$42,000
Days to maturity
90 days
E-cash today
$41,379
Spendable in any denominationMinting fee
$621
6% a year on $42,000 for 90 daysFee as a share of face
1.5%
for 90 days at 6% a yearThe rate is whatever you and the mint agree, and competing mints quote against each other, the 6% above is illustrative, so bring your own quote. The e-cash transfer fee is 1 sat per transaction, which does not move these figures at this scale.
One satoshi per transaction
Not a percentage. A flat, near-zero transfer fee, so eleven payments cost eleven satoshis with no monthly fee and no hidden charges. Melting e-cash back into Bitcoin is priced by the mint itself, so compare that fee when you choose one.
Good anywhere, whoever minted it
Every unit keeps two attributes of the bill it came from, who owes it and when it falls due, which is what lets Wildcats recognise each other’s units. Clowders settle between themselves, so e-cash minted in Austria pays a supplier in China. It is bearer money you hold yourself, swappable to Bitcoin on-chain whenever you choose. Live on Bitcoin mainnet or rehearse the whole flow first on the Testnet playground.
The mint cannot touch your money
E-cash is non-custodial: payment splits into Bitcoin outputs only your own key can spend, so a mint going under does not touch what you hold. The backing is two-deep. Every unit of e-cash is fully backed in Bitcoin and Bitcoin-denominated bills, and that floor is mandatory. Above it a Wildcat locks separate guarantee capital, and the ratio it holds against its own liabilities is verifiable on the Bitcoin mainchain at any moment. If the buyer defaults, that capital is sold to redeem you while recovery runs its course. An unpaid bill also blocks it from minting anything further until the guarantee is honoured. The point of the whole arrangement is that your way out into ordinary Bitcoin stays open at all times.
It redeems one for one
At the maturity of the bill it came from, e-cash redeems 1:1 into outright Bitcoin on the mainchain. You take the minting fee once, at the start; what you hold afterwards does not decay.
Run a mint
Minting good bills is a business
Mints here are called Wildcats: download the software, lock your guarantee, and compete on industry specialisation, minting fees, service levels and guarantee ratios. If you understand a trade corridor better than a bank does, you can price bills in it.
Talk to us about running a mint (opens in a new tab)Turn a bill into this week's money
The app holds your bills, your e-cash and your endorsement history in one place.