Back to products
World Chat

World Chat

Connect and send money to real humans on world network

Website world.org
Overview

What it is

World Chat combines World ID, Contacts and the World App wallet to showcase the power and potential of Mini Apps. All World Chat conversations are end-to-end encrypted to preserve your privacy.

Intent

I need it when

Send money internationally to friends and family without fees or delays

World Chat enables borderless, instant, fee-free payments directly within message threads. Users can send or request payments across continents, split bills in group chats, and wrap payments as gifts—all without traditional banking delays or intermediary fees.

Receive international payments and deposits without traditional banking infrastructure

World Chat works with World App's virtual accounts (available in 18 countries including US, Japan, Singapore) to receive paychecks directly and convert USD to USDC instantly. Users can hold and convert between 8 local stablecoins and 100+ tokens with no additional fees.

Communicate securely with verified real humans and avoid bot/synthetic interactions

World Chat displays blue bubbles for verified World ID holders and gray bubbles for unverified users. Profile pictures are verified against Orb photos, ensuring the person you're messaging is genuinely human. End-to-end encryption and zero metadata collection provide privacy and authenticity.

Access financial services and mini-apps without leaving a messaging interface

World Chat integrates Mini Apps (prediction markets, games, savings tools) directly into message threads, enabling interactive experiences without switching apps. Users can also access Earn rewards (15-18% APY), currency conversion, and access to 100+ crypto assets from within chat.

Prove identity and access age-restricted or human-verified services online

World Chat leverages World ID's verified human badge and privacy-preserving age assurance. Users can prove they are unique humans and above certain ages without revealing personal identity, enabling access to dating platforms, gaming, and event ticketing integrations.

Drop

Not a fit when

  • User requires traditional SMS or phone-based messaging without blockchain integration
  • User is in a restricted territory (e.g., New York) where WLD token distribution is prohibited
  • User needs messaging without World ID verification or proof-of-human requirements
  • User requires advanced enterprise messaging features beyond peer-to-peer chat and group messaging
  • User operates in jurisdictions where stablecoin or virtual account services are not legally available
Commercials

Pricing

Free messaging and payments; optional Earn feature with variable APY rewards (15-18% on first $1,000 USDC/WLD for verified humans)