Peer-to-Peer Payments Without an App
Send money to anyone via tweet, text message, Telegram, WhatsApp, or your AI assistant. Card, bank transfer, or USDC crypto. Fees start at 0.8%.
Five Ways to Send a P2P Payment
Twitter / X
Tweet @canath12 send $50 to friend@email.com — get a confirm link in 60s.
SMS Text
Text +1 (854) 777-8929 — works from any phone, any carrier, no smartphone needed.
Telegram
Message @CanathBot — reply YES to confirm, no website visit needed.
WhatsApp
Text the Canath WhatsApp number — same commands, same confirmation flow.
AI Assistant
Paste canath.io/ai.html into ChatGPT, Claude, or Gemini — your AI sends the payment.
Transfer Fees — Transparent, No Monthly Cost
0.8%
ACH Bank Transfer
1–3 business days via Stripe. Cheapest option.
1.49%
USDC Crypto
Via Circle on Polygon. Near-instant.
1.49%
EURC Crypto
Euro stablecoin via Circle on Polygon.
2.49%
Instant Card
Arrives immediately via Stripe.
How Canath Compares
| Feature | Canath | Venmo | PayPal | CashApp |
|---|---|---|---|---|
| No app needed | ✓ | ✗ | ✗ | ✗ |
| Works via SMS | ✓ | ✗ | ✗ | ✗ |
| Works via Twitter | ✓ | ✗ | ✗ | ✗ |
| Works via Telegram | ✓ | ✗ | ✗ | ✗ |
| AI agent compatible | ✓ | ✗ | ✗ | ✗ |
| USDC crypto P2P | ✓ | ✗ | ✓ | ✓ |
| ACH fee | 0.8% | 1% | up to 3.49% | up to 3% |
Frequently Asked Questions
How do peer-to-peer payments work on Canath?
Send a payment command through any channel — tweet, text, Telegram, WhatsApp, or AI chat. Canath sends back a secure confirmation link. You review the amount, fee, and recipient, then confirm. Money moves via Stripe (for fiat) or Circle (for USDC/EURC).
Is there a monthly fee?
No. Canath charges only a percentage fee on each transfer. There is no subscription, monthly fee, or minimum balance required.
Who can receive money from me?
Anyone with a free Canath account. Accounts can be created in under 2 minutes at www.canath.io or directly by SMS, Telegram, or WhatsApp — no website visit required for the recipient.
Ready to send your first peer-to-peer payment?
Create a free account in under 2 minutes. No credit card required to sign up.
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