PAYY Airdrop - Tutorial. Another Easy Neobank Airdrop?
- comsilbronze4
- 4 hours ago
- 3 min read
Payy is a stablecoin-native banking platform built for privacy, integrating a non-custodial mobile wallet, private payments, and fiat ramps into one app for iOS and Android. It supports deposits and transfers across Ethereum, Base, Polygon, Optimism, and Arbitrum, with instant, fee-free, private transactions using zero-knowledge proofs. Users hold private keys and can spend stablecoins (e.g., USDC) via the Payy Visa Card, which separates spending activity from wallet balances for privacy. Backed by Robot Ventures, 6th Man Ventures, DBA Crypto, and Protocol Labs, Payy launched its beta in August 2025, focusing on everyday stablecoin use without exposing full transaction histories. The zk-Points system rewards activity for potential future incentives.
Start earning PAYY points here: https://payy.link/invite/M689UD
See video insight:
Payy Airdrop Overview
The airdrop is speculative and points-based, with no confirmed $PAYY token or TGE date as of December 1, 2025. zk-Points (also called Payy points) track eligibility, earned via holding balances, card spending, and referrals; higher points improve chances for token allocation, raffles, merchandise, and event tickets. Total supply allocation details are TBA, but points are non-transferable until potential TGE. Retroactive from beta launch; sybil detection via KYC and wallet patterns. Referrals grant 10,000 zk-Points per successful invite after card activation. No minimum points threshold, but 100,000 zk-Points unlocks the limited-edition physical card. Points accrue automatically—no manual daily claims are required or mentioned in official sources.
How to Qualify for the Payy Airdrop
Eligibility requires app installation, KYC verification, wallet funding, and zk-Points accumulation through verifiable activity. Points scale with engagement (e.g., $100 balance holds earn base daily accrual; spending adds spend-to-earn). Key factors:
KYC and Onboarding: Complete identity verification with documentation for card issuance and compliance.
Wallet Funding/Deposits: Hold USDC or stables; supports fiat from U.S./Argentina banks, crypto from exchanges (e.g., Binance), or bridges (e.g., Rhino for Solana/L2 assets).
Card Usage/Spending: Spend via virtual Visa Card (immediate post-KYC) for online/in-store purchases wherever Visa is accepted; earns zk-Points per transaction volume.
Holding Balance: Daily accrual based on wallet balance (e.g., 1 point per $1 held, scaled by duration).
Referrals: 10,000 zk-Points per friend who activates their card; unlimited.
Platform Engagement: Use for transfers, ramps; no separate tasks beyond core activity.
Sybil Protection: KYC ties to one account; multi-wallet farming risks disqualification via activity snapshots.
Points auto-compound; dashboard tracks totals. No gas fees for in-app actions.
Step-by-Step Guide to Participate
Visit https://payy.link/invite/M689UD to join via referral for potential bonus tracking; download the app from iOS App Store or Google Play.
Create Account: Use email for registration; enable recovery (backup phrase or iCloud/Google/Face ID)—no initial signup beyond this.
Complete KYC: Submit identity documents (e.g., ID, selfie); approval takes 1-3 days for virtual card issuance.
Receive Virtual Card: Post-approval, access Visa card details in-app for immediate online use (e.g., Apple Pay/Google Pay compatible).
Fund Wallet: Deposit via fiat on-ramp (U.S. banks live, Argentina beta), USDC on Polygon, or transfers from Ethereum/Base/Polygon/Optimism/Arbitrum. Minimum: $10-50 for testing; bridges like Rhino.fi for cross-chain.
Start Earning zk-Points: Hold balance for daily accrual; spend with card (e.g., $50 purchase = proportional points via spend-to-earn). Monitor in dashboard.
Refer Friends: Share your unique invite link post-funding; earn 10,000 zk-Points after their card activation (24-hour verification).
Unlock Physical Card (Optional): Accumulate 100,000 zk-Points via combined activity; features limited-quantity light-up logo for in-store use.
Optimize: Maintain consistent balance/usage; check app for updates on raffles or bonuses.
Setup: 10-15 minutes + KYC wait; daily: 1-2 minutes for spends/checks. Non-custodial; transactions private via ZK proofs.
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