Send money to anyone.
No app on their phone.
Type a name + phone. Pick an amount. Done. They get a text, claim it in 60 seconds, get a @handle for life. The first money app where the recipient doesn’t need to install anything.
$5 minimum · $5,000 maximum · Free for senders, recipient pays nothing.
How it works
Pick a name & amount
Type their phone or @handle. Pick an amount. Add a card design (sorry / birthday / sympathy / thanks / just because). 30 seconds.
Drop sends a text
Recipient gets an SMS with the card preview + a one-tap claim link. They click; the page is already pre-themed for them.
They claim with @handle
Sign in or mint a new @handle in 30 seconds. Money lands in their Loadit balance + their phone-number-as-handle is theirs forever.
Every Drop you send is a friend joining Hylaq.
The hard part of any new internet is getting people on it. Drop solves it: you don’t convince people to sign up — you send them money, and they sign up to keep it.
Why every prior “send money” app fails the first hop
Cash App / Venmo / Zelle
Both sides need an account. If your mom doesn't have it, you can't send. We invert: recipient mints the account ON the receive.
Real money in 60 seconds
FedNow / RTP / Lightning / USDC — Loadit picks the rail per-Drop. Recipient picks how to take it: bank, debit, crypto, or hold in @handle balance.
@handle is permanent
The handle they mint to claim the Drop is theirs forever. Use it for shipping, signing, calling, every other Hylaq feature. One identifier.
Cross-border by default
Send to a phone in Lagos, Lisbon, or LA. Loadit routes the cheapest legal rail. No SWIFT, no Western Union, no MoneyGram middlemen.