Sollpay

SollPay is a non-custodial mobile wallet built on Solana that replaces seed phrases and wallet addresses with phone numbers and email logins, using account abstraction and zero-knowledge proofs to keep transactions simple without sacrificing self-custody.

The Problem It Solves

Mainstream adoption of crypto wallets stalls at the same two friction points: the complexity of seed phrases and the risk of sending funds to an incomprehensible 44-character address. SollPay targets both. Users log in with a phone number or email, send crypto to a contact the same way they would send a message, and never touch a private key directly. The wallet is still non-custodial — the project describes it as giving users "bank-grade security with Web3 freedom."

Core Mechanism

SollPay's architecture centers on Solana account abstraction: every user has a smart-contract wallet deployed on-chain through a Wallet Factory Program. The flow from signup to transaction involves seven distinct components working in sequence.

Authentication layer. Users authenticate via Google Firebase OAuth, which returns a JWT containing their phone number or email. This JWT is passed to a ZK Proving Server running in a trusted execution environment. The server generates a zero-knowledge proof confirming the user controls the claimed identity without exposing the underlying personal data to the blockchain or anyone else in the system.

Identity hashing. Phone numbers are hashed using the Poseidon hash function — chosen specifically because it is ZK-friendly — to create a deterministic user identifier. An Administration Program on Solana maps these hashed identifiers to wallet account addresses, enabling the "unknown recipient" flow: if you send to a phone number that has no wallet yet, the system calculates the would-be address and creates the wallet on arrival.

Key management. Private keys are generated inside the mobile app and stored exclusively in the device's Secure Enclave (iOS) or Trusted Platform Module (Android). They are never exported. Signing uses ECDSA over the secp256r1 curve, and transactions include an incrementing nonce to prevent replay attacks.

Gasless onboarding. Wallet creation fees are covered by Octane, a gasless transaction relayer integrated into the stack. New users do not need SOL in hand before their first transaction.

Transaction execution. When a user initiates a transfer, the app fetches the current blockchain nonce, bundles it with transaction data, signs inside the Secure Enclave, and submits to the Wallet Program for on-chain verification and execution.

Key Features

• Contact-based sending. Select a name from your contacts, enter an amount, done. No address copying required.
• No seed phrases. Account recovery flows through re-authenticating with the same phone number or email and generating a new key pair, with the Administration Program linking the new public key to the existing wallet.
• Biometric authentication. Face ID and equivalent Android biometrics gate app access and transaction signing.
• Staking. The app surfaces yield-generating staking functionality directly within the wallet interface.
• Buy in-app. A built-in on-ramp offers 24/7 crypto purchasing.
• AI assistant (forthcoming). The project has flagged an AI-powered feature to assist users with in-wallet decisions, listed as coming soon on the marketing site as of mid-2025.
• Cross-device recovery. Moving to a new device generates fresh keys, re-authenticates via OAuth, looks up the existing wallet via the Administration Program, and updates the stored public key — all without seed-phrase entry.

Tokens and Assets

SollPay is built on Solana and, given its smart-contract wallet architecture, is positioned to support any SPL token. The marketing site and documentation do not enumerate a specific list of supported assets beyond the general Solana token ecosystem. SOL itself is referenced throughout for gas and staking.

Security and Audits

The project's documented security model rests on four pillars: hardware-isolated private keys (Secure Enclave / TPM), zero-knowledge proofs for identity verification, nonce-based replay protection, and a trusted execution environment for the ZK proving server. No independent third-party audit is referenced in the available documentation. Given that SollPay launched in February 2025, a formal audit engagement may still be forthcoming.

Team and Background

SollPay, Inc. (copyright 2025) is the entity behind the project. No individual founders or team members are named on the website or in the documentation. The project's Twitter handle (@SollpayHQ) is active and the documentation stack uses Docusaurus hosted on Vercel, consistent with a small, technically focused founding team moving quickly.

Solana Ecosystem Fit

SollPay lands squarely in the account-abstraction and consumer-wallet segment of the Solana ecosystem — an area that has grown more crowded but remains unsolved for mainstream users. Solana's fee structure (typically under $0.01 per transaction) makes gasless relaying economically practical, and the chain's throughput means the ZK proof verification and smart-contract wallet overhead does not noticeably delay user-facing transactions. The architecture borrows patterns proven on EVM chains — account abstraction, ZK identity, Poseidon hashing — and adapts them to Solana's program model. If adoption scales, SollPay's phone-number-to-wallet mapping layer could also serve as infrastructure for other applications that need to resolve human-readable identifiers to on-chain accounts.