Send money to the people already in your life.

You should not need an account number to pay a friend. Add each other once by scanning a code, and from then on they are just a name and a face in your app.

THREE STEPS AND YOU ARE SET UP

1. Install the app and pick a password. That is the whole setup — no long list of words to write down.
2. Add a friend. Hold your phones together and scan. You are both added at once, and neither of you types an address.
3. Send money. Pick them from your list and send.

FIVE WAYS TO MOVE MONEY, ALL FREE

• Send it now — pick a friend, pick an amount, done. It arrives in seconds, not business days.
• Send a check you can take back — picked the wrong person, or changed your mind? Cancel it any time until they cash it.
• Send a pass — a coffee you owe someone, a favor, a thank-you. No money attached; they just keep it.
• Send an invoice — bill someone properly. They pay to accept it, and they keep it as the receipt.
• Ask for money — show a code, they scan it, and the amount is already filled in. For when you are standing right there.

YOUR MONEY STAYS YOURS

Your money is locked with your password, on your phone. That password never reaches us, so nobody here can move your money — and neither can anyone who breaks into our systems.

We would rather say the other half of that plainly than bury it: because we cannot reach your money, we cannot get it back for you either. The app will offer you a Recovery Kit. It takes about ten minutes and it is
worth doing.

HOW IT WORKS UNDERNEATH

Payments run on the XRP Ledger, a public payment network, and usually arrive in about four seconds. You can keep dollars here as well as XRP — RLUSD, a US-regulated digital dollar. We help run that network ourselves
rather than leaving it to somebody else.

ALSO WORTH KNOWING

• Open it with your fingerprint. Your password always works as a backup.
• Your friends see a name and a photo, never a wallet address — and neither do you.
• We take no cut of what you send. The network itself charges a fraction of a cent.
• Invite a friend by email — FriendCode works better once the people you know are on it.
• The same account works at franzencrypto.com if you ever want the bigger desktop tools.

FriendCode is for adults, and you look after your own money in it. We are not a bank and we never hold what is yours, so it is not covered by government insurance the way a bank account is.

Questions, or a hand getting started: xrpcorey@gmail.com