Plain words, before you give

What Crisp is

A website that helps you give USDC: hidden in a photo, as a link, in an emoji, in a paper card, face to face, or sent to a wallet. It can also ask for money. Every key is made in your browser. Crisp has no server that holds your money or your keys.

What Crisp is not

Not a bank, a broker or a payment company. There is no account, no deposit insurance and no support desk that can move money for you. Nobody, us included, can freeze, reverse, refund or recover a payment.

Your wallet lives in this browser

• The wallet Crisp makes is kept in this browser. Whoever controls this device or browser can spend it.
• Clearing site data, losing the phone or removing the browser deletes the wallet and the money in it.
• On iPhone, Safari can clear a site’s data after 7 days without a visit. Add Crisp to your Home Screen.
• Save your secret key (Wallet, then secret key) somewhere safe, and keep bigger amounts in a wallet you control.

Photos, links, emojis and cards

• Whoever opens one first takes the money, unless you added a lock.
• A lost photo, link, emoji or card can’t be recovered. If nobody opened it, you can take the money back from the browser that sent it.
• “Comes back to you” returns the money the next time Crisp is open after the day you chose. There is no server to do it sooner.
• Chat apps change photos. Our photo tests simulated WhatsApp, Instagram, X, screenshots and prints. They were not real uploads.

Locks

• A question is only as strong as its answer: an easy answer can be guessed. The question itself is public on Solana.
• A date uses drand, a public network that publishes a time signature every few seconds. If drand can’t be reached, a dated gift opens once it is back.
• One person means one Crisp browser wallet. If they lose that wallet, they can’t open the gift, and you can still take it back.

Face to face, with no signal

A gift handed over with no signal stays pending until one of the two phones is back online. A browser is not a secure chip: a modified app can pay the same bill to two people, and the first to settle wins. That is why a bill holds at most $20, and a browser holds at most $100 of bills during the beta.

Fees

Solana network fees are paid in SOL and shown before you pay. A photo or a link also carries about 0.003 SOL so whoever opens it needs no SOL of their own; most of it goes to them. Crisp adds no fee of its own.

USDC and Solana

USDC is issued by Circle, and Solana is run by its own network. Crisp controls neither of them.

No warranty

Crisp is new and provided as is, without warranty of any kind. It may have bugs: start with small amounts. To the extent the law allows, the makers of Crisp are not liable for any loss that comes from using it.

Changes

These terms may change. The date at the top says when they last did.