consumer payment UX with onchain finality.

Temvy hides addresses, keys, and gas logic. Users send to email or phone while backend policies control signing and Tempo handles settlement.

Identity as routing layer

Backend-authorized settlement

Social ledger reconciliation

Unified stablecoin balance

product story

why this feels consumer-native

Send to email or phone, not wallet addresses.

Recipients without accounts get secure claim windows.

Balances update per contact with memo-aware netting.

analytics surface

Day / Transaction graph

Sun

Inflow $360.00

Outflow $181.00

runtime log

auth/privy-upsert -> linked

recipient/resolve -> found-or-claim

payments/send -> signed-by-policy

ledger/netting -> updated

live scenarios

Team reimbursements

Event split payments

Freelancer payouts

Creator community treasury

ready to run