Cycles Pay
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New · The Cycles Pay assistant

An assistant for your money

Chat in plain English with an AI agent to make payments, move money around, check who owes you, and more generally answer any kind of question about your account.

Download on the App StoreGet it on Google Play
Read about us in the press
We raised$8.7M
Users rate us4.9 ★
Coinbase VenturesBlockchangePrimitiveCompound

No more clicking around

The usual way of interacting with an app is tedious: open it, navigate to the right screen, fill in some fields, tap next, fill in some more fields, tap send.

With Cycles Pay, you can type one sentence, and the assistant handles the rest.

The usual way
  1. 1Open an app
  2. 2Navigate to the right screen
  3. 3Fill in some fields
  4. 4Tap next
  5. 5Fill in some more fields
  6. 6Tap send
With the assistant
How it works

From connecting your account to staying on top of it, in four steps.

01Connect your accountGive the AI assistant permission to access your account.
02Tell it what you needStart chatting with it in plain language. There are no commands to memorize.
03Approve transactionsAny actions that move money still require your authorization.
04Stay informedThe assistant will notify you of account events like new invoices and payments.

Security first

You set the level of access.Nothing is switched on by default. You decide what the assistant can access, and you can revoke permission anytime.
You choose what it can see.Read access lets the assistant answer questions about your account, such as balances, invoice statuses, and transaction history.
You choose what it can do.Write access lets the agent queue invoices and payments, but transactions still have to be approved by you first.
You can leave it switched off.Using the assistant is totally optional. If you'd prefer not to use it at all, you can continue using the app the usual way.

Ask it anything

Plain sentences, the way you would ask a colleague.

It prepares invoices.
“Send a $1,000 invoice 🧾 to Oak LLC for consulting services, due November 1st, with a 2% late fee.”“Create an invoice 📝 for Upcharge Inc., $5,000 for design work, 1% discount for paying early.”
It moves money.
“Send $300 💸 to Mark.”“Move 🔄 $5,000 from my main account to my vault.”“Withdraw 💵 $1,500 to my bank.”
It answers questions.
“How much revenue have I earned 📈 in 2026?”“How much am I owed 📥?”“How much money 💰 is in my account?”
It sets reminders.
“Remind me ⏰ to run payroll next week.”“Schedule 📅 a $500 payment to Tom for September 15th.”“Set a reminder 📌 for 4pm to invoice Aether for this month.”

For business and personal use

One assistant, whichever account you are chatting from.

PersonalFor your everyday moneyYour own money, handled in chat.
Send money to a family memberMonitor your vault returnsContribute to a savings circleTrack expenses with your friends
BusinessFor your business's cash flowYour operating account, handled in chat.
Invoice clientsPay billsFollow up on late paymentsManage your treasuryRequest an advance on pending receivables

The stablecoin app for you and your business

USD accountsHold your money in dollars, and withdraw to a local currency anytime.
Instant transfersSend money to anyone in seconds, whether they're local or abroad.
Return on balancesOptionally allocate balances to third-party DeFi strategies with variable returns.
CreditGet paid early on an invoice or borrow funds from a friend.
Ethan Buchman, co-founder of Cosmos and founder of Cycles
About us

Built by a blockchain pioneer

Ethan Buchman co-founded Cosmos, often called the "Internet of Blockchains." The Cosmos technology powers over 150 blockchains with more than $70b value, and is foundational infrastructure for the blockchain industry. Ethan is now focused on how money actually moves between people and businesses, and Cycles Pay is built on a decade of that research.

Read the full story

Assistants are already helping manage money

Here's what members say about using the assistant.

App Store4.9App Store ratingGoogle Play4.8Google Play rating
“Really impressed by Cycles Pay. Everything feels seamless, you're using blockchain without the usual complexity.”Cedrik L · via Play Store
“Excellent app! Finally, a payment app that brings together simplicity and genuine innovation. Transfers are super fast, the UI is clean and modern, and I especially love how private the transactions feel.”Guinch R · via Play Store
“I was able to easily send an invoice and get paid in stablecoins, exactly what I needed. The onboarding was very quick too.”Luka P · via Play Store
“A glimpse into the future. Rapid settlement with total privacy and self custody. It's just the way every payment should be.”Phil R · via Play Store
“Amazing app, the future of payments is here.”Max F · via Play Store
Cycles Pay app: accounts

Cycles in the press

See what people are saying about what we're building.

The BlockCosmos co-founder's new startup Cycles raises $6.4 millionForbesWhy Instant Settlement Won't Revolutionize Capital MarketsCCNCycles CEO Says Hidden Liquidity Could Be Unlocked Without Clearing Houses

Frequently asked questions

What people ask us most about the assistant. Have another question? Message us.

The assistant is available through multiple popular messaging platforms, including Telegram, WhatsApp, and Slack.

Activate your assistant today

Connect your account in seconds and start chatting.

Sign up
Download on the App StoreGet it on Google Play