Real messaging
Replies, reactions, edits, voice notes, disappearing messages, groups, starred messages, encrypted backups — plus voice and video calls that ring even when the app is closed.
Euler is an end-to-end encrypted messenger with a multi-currency wallet built in. Talk to the people you love, and move money to them in the same breath — at real exchange rates, across borders, in seconds.
Messages, calls and media are encrypted on your device. We can't read them.
Hold AED, USD, GBP, ZMW and more. Convert at live mid-market rates.
The rate you see is the rate you get, with the fee shown before you send.
Identity checks on every wallet, so you know who is on the other side.
Everything you'd expect from a modern chat app — and a full wallet sitting underneath it, so paying someone is as ordinary as replying to them.
Replies, reactions, edits, voice notes, disappearing messages, groups, starred messages, encrypted backups — plus voice and video calls that ring even when the app is closed.
If they're already on Euler, the money lands instantly and appears right there in the conversation. If they're not, we hold it safely and send them a secure claim link — they can sign up and receive it in their wallet, or take it straight to a bank account, mobile money, or cash pickup. Unclaimed money returns to you automatically.
Live mid-market rates with the fee and the amount they'll receive shown before you confirm. No surprises after the fact.
Scan to pay in person, or share your own code. Requests, receipts and PDF confirmations come standard.
Split a dinner or a rent payment across a group chat, track who's paid, and nudge whoever hasn't — without leaving the thread.
A transaction PIN or biometrics on every send, server-side checks on every request, and identity verification before money leaves.
Find the person the way you always do — by name, in your conversations. No account numbers, no IBANs, no reference codes.
Pick the wallet to send from and see exactly what they'll receive in their currency, fee included, before you confirm with your PIN.
On Euler, it's instant and appears in the thread. Not on Euler yet? They get a secure link to claim it — to a wallet, a bank account, mobile money, or cash.
The strongest privacy guarantee is one that doesn't depend on our good behaviour. Euler is designed so that the sensitive parts simply aren't ours to read.
Messages, calls and media are encrypted with keys that never leave your phone. Our servers carry ciphertext.
Customer funds are held separately from company funds, and every movement is double-entry recorded and reconcilable.
Money sent to someone who hasn't joined yet sits in escrow with a visible expiry — and comes back to you automatically if it's never claimed.
Identity verification, sanctions screening and transaction monitoring run on every account — quietly, in the background.
Keep a balance in each currency you actually use, and convert between them when the rate suits you.
Searchable history with shareable PDF receipts for anything you need to account for.
We build financial infrastructure for people who move between countries — and for the families who stay behind. Remittance still costs the world's lowest earners the most; we think a messenger with a wallet inside it is the shortest path to changing that.
A consumer super-app for cross-border money, plus the platform beneath it:
We'd rather be boring about compliance than clever about it. Identity verification is tiered and enforced server-side, funds are segregated, sanctions screening is continuous, and every balance change is traceable to an immutable entry.
Licensing and partner-bank arrangements are market by market; talk to us for the current status in a specific corridor.
The amount leaves your wallet into escrow and the recipient gets a secure, single-use claim link by email — or one you can forward yourself over any messaging app. They can sign up and have it land in their wallet, or receive it without an account via bank transfer, mobile money or cash pickup. If nobody claims it before the expiry date shown to you, it's refunded to the wallet it came from, automatically.
No. Messages, calls and media are encrypted on your device with keys that never leave it. What reaches our servers is ciphertext, which is also why message previews and unread counts are computed on your phone rather than by us.
Chat and calls are free. Transfers show the exchange rate, the fee and the exact amount the recipient will get before you confirm — and the rate is the live mid-market rate, not a padded one.
Wallets support several currencies including AED, USD, GBP and ZMW, with receive options that vary by market. Corridor availability depends on local licensing and partner arrangements, so ask us about a specific route.
Yes — a basic verification unlocks the wallet, and higher limits need a document and a liveness check. It's a legal requirement, and it's also what lets you trust who's on the other side of a transfer.
Your wallet is tied to your verified account, not the device, so it comes back when you sign in again. Chat history can be restored from an encrypted backup that only your passphrase can open — keep that passphrase safe, because we can't reset it for you.
We're onboarding beta users and corridor partners now. Leave your details and we'll be in touch — no newsletters, no noise.