Airdrops

Payy Airdrop Guide: Farm zk-Points on a Private Stablecoin Bank (10,000 for the Card)

Payy is a private (ZK-shielded) stablecoin bank with a non-custodial privacy Visa card and a zk-Points program. $6M led by FirstMark. Full playbook: hold a balance, refer, and activate the card for 10,000 points.

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Payy is one of the cleaner consumer-app airdrop prospects going: a private, stablecoin-native bank with instant free payments, a non-custodial privacy Visa card, and a zk-Points program. It is backed by a $6M seed led by FirstMark Capital, and the farming is genuinely low-effort because the actions are things you would do with any money app. This guide covers what it is, how to earn zk-Points, and how to position. Start with the invite: .

What is Payy?

Payy is a private stablecoin bank that puts a wallet, instant payments, and fiat on-and-off ramps into one app. The defining feature is privacy: every transfer is shielded using zero-knowledge proofs, so your balance and payment activity cannot be linked back to you, while you remain fully non-custodial and hold your own keys. Deposits move across Ethereum, Base, Polygon, Optimism and Arbitrum, and once value is inside Payy, transfers are instant, free, and private.

The consumer experience is the hook. You send or request money by generating a Payy link that you can share anywhere - a chat, an email, a text - and the recipient unlocks the funds instantly with no gas and no fees. In 2025 Payy launched the Payy Visa card, described as the first non-custodial stablecoin card with privacy, so you can spend your stablecoins in the real world without handing custody to anyone or broadcasting your spending on-chain.

The thesis behind it is important for judging the airdrop: public blockchains expose everything, and that transparency is the biggest blocker to using stablecoins as everyday money. Payy is a direct bet that privacy is the unlock for real-world stablecoin adoption, and it is one of the few teams shipping that in a polished consumer app rather than as infrastructure.

Is the Payy airdrop confirmed?

No token is officially confirmed, so this is a speculative positioning play - but a well-supported one. Payy runs a named points program, zk-Points, and is funded by a $6M seed led by FirstMark Capital, with Robot Ventures and DBA Crypto. A funded consumer payments app with a live points system is the exact profile that has preceded most wallet and payment-app airdrops.

zk-Points are earned by holding a balance and referring friends, with a headline 10,000 points for activating the Payy Visa card. Treat any token as upside, farm the points because the actions are cheap and useful, and remember the program is speculative until Payy says otherwise.

Payy airdrop details

Project: Payy (Payy Network)
Chain: Multichain deposits (Ethereum, Base, Polygon, Optimism, Arbitrum)
Type: Private stablecoin bank + non-custodial privacy Visa card
Privacy: zero-knowledge-shielded transfers; non-custodial
Payments: Payy links (instant, no gas, no fees); Payy Visa card
Points: zk-Points from holding a balance + referrals; 10,000 for activating the Visa card
Token: none confirmed (points speculative)
Funding: $6M seed led by FirstMark Capital (Robot Ventures, DBA Crypto)
Access: iOS and Android
Related airdrops: stablecoin and payments plays across the airdrops catalog
Join:

How to farm the Payy airdrop (step-by-step)

Download Payy through the invite. Install the app from on iOS or Android and set up your non-custodial wallet. Using the invite links you to a referrer and gets you into the zk-Points program from the start. Save your recovery securely - non-custodial means you are responsible for your keys.

Fund a stablecoin balance. Deposit stablecoins from Ethereum, Base, Polygon, Optimism or Arbitrum. Holding a balance earns zk-Points, so this is the passive base of the farm - your money sits in a private, spendable account and accrues points while it does. Only keep what you are comfortable holding in a young app.

Activate the Payy Visa card for 10,000 points. This is the single biggest one-time lever in the program. If the card is available in your region, activating it credits 10,000 zk-Points and unlocks private, non-custodial stablecoin spending in the real world. If you are going to use one privacy card, this is the one that also pays you to set it up.

Use Payy links for real payments. Send or request money by generating a Payy link and sharing it. Each is instant, gasless and free, and genuine usage is exactly the behavior a consumer-app points program is built to reward. Paying a friend or splitting a bill through Payy is farming that doubles as actually using the product.

Refer people who will use it. zk-Points are explicitly earned through referrals. Share your Payy invite with people who genuinely want private stablecoin payments, since active referrals are worth far more than dormant signups and cost you nothing but the share.

Stay consistent. Keep a balance, use the card and links for normal spending, and let points accrue over time. Consistent real usage is the most defensible footprint if a token distribution ever looks back at who actually used the product.

How much does it cost to farm Payy?

Very little. The app is free, transfers inside Payy are gasless and free, and the core point-earning actions - holding a balance, activating the card, sending links, referring - cost essentially nothing beyond the stablecoins you choose to hold. There may be small network fees to move funds onto Payy initially, and card issuance terms vary by region. The realistic "cost" is simply keeping a balance in a young app, so size that to your comfort. This is one of the cheaper farms available because the actions are things you would do with any money app anyway.

Is Payy safe and legit?

Payy is well-credentialed for a young consumer app: a $6M seed led by FirstMark Capital with Robot Ventures and DBA Crypto, live iOS and Android apps, a shipped Visa card, and real zero-knowledge privacy technology rather than marketing. Being non-custodial is a security plus - no company can freeze or lose your funds - but it also means you are fully responsible for your recovery phrase, so store it safely and never share it. The honest risks: it is a young app holding your money, smart-contract and app risk apply, no token is guaranteed, and card availability and compliance vary by jurisdiction. Only keep balances you are comfortable with, use only the official app and domain, and never share your seed phrase or recovery.

Payy Airdrop FAQ

How do I earn zk-Points? By holding a stablecoin balance, referring friends, and activating the Payy Visa card (a one-time 10,000 points). Genuine usage of payments and the card is the behavior the program rewards.

What makes Payy different from other stablecoin wallets? Privacy. Payy shields transfers with zero-knowledge proofs so your balance and activity cannot be linked to you, while keeping you non-custodial - a combination most stablecoin apps do not offer.

Is there a Payy token? Not confirmed. zk-Points are live and the app is funded by a $6M FirstMark-led seed, which is a strong pre-token signal, but treat any airdrop as speculative.

What are related airdrops? Other stablecoin and consumer-payment plays across the airdrops catalog ; pair Payy's spending layer with stablecoin-yield plays so idle balances earn too.

Related: browse the full airdrops catalog , and see how to qualify for airdrops and how to avoid airdrop scams .

Farm private-payment zk-Points on .

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