From 8b0464aa79b1fc6d5076ac93d77105a647dd0711 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 15:11:52 +0700 Subject: [PATCH 1/7] docs(minipay): refresh stats to Q3 2026 and add what MiniPay prioritises Update MiniPay figures to the MiniPay Update Q3 2026 forum post (20M+ wallet activations, 70+ countries) and add a short section on the categories MiniPay prioritises, with the bar for payment apps from the Celo team (own licensing, own liquidity, 1,000+ MAU for 6+ months). Source: https://forum.celo.org/t/minipay-update-q3-2026/13926 Co-Authored-By: Claude Opus 5.5 --- AGENTS.md | 2 +- build/build-with-usat.mdx | 2 +- build/mini-apps/overview.mdx | 10 +++++++++- learn/celo.mdx | 2 +- learn/protocol/index.mdx | 2 +- 5 files changed, 13 insertions(+), 5 deletions(-) diff --git a/AGENTS.md b/AGENTS.md index 7b4442f359..65a43c1066 100644 --- a/AGENTS.md +++ b/AGENTS.md @@ -118,7 +118,7 @@ Numbers and addresses live on one canonical page; every other page links there i | Transaction cost | `/operate/specification/transaction-fees` | "below $0.01 for a typical transaction" | | Fee abstraction | `/build/fee-abstraction/overview` (guide), `/build/tools/contracts/fee-currencies` (addresses), `/operate/specification/fee-abstraction` (protocol) | pay gas in USDm, USDC, USDT or another allowlisted token from any EOA; no paymaster; 6-decimal tokens use the **adapter** address as `feeCurrency` | | Stablecoins | `/build/build-with-local-stablecoin` | 15 Mento stablecoins (USDm, EURm, BRLm, KESm, …) plus USDC, USDT, USA₮ and other issuers — "30+ stablecoins" in total | -| MiniPay | `/build/mini-apps/overview` | stablecoin wallet, 10M+ activations, Mini App discovery page, Celo only | +| MiniPay | `/build/mini-apps/overview` | stablecoin wallet, 20M+ wallet activations in 70+ countries, Mini App discovery page, Celo only | | Token duality | `/operate/specification/token-duality` | CELO is both the native token and an ERC-20; no wrapping | | Data availability | `/operate/specification/eigenda` | EigenDA | | Architecture | `/learn/network/architecture` | Ethereum L2 on the OP Stack | diff --git a/build/build-with-usat.mdx b/build/build-with-usat.mdx index 9ff55012b0..651753ec2c 100644 --- a/build/build-with-usat.mdx +++ b/build/build-with-usat.mdx @@ -64,7 +64,7 @@ For a full implementation guide, see [Using Fee Abstraction](/build/fee-abstract **Compliant remittance** — Use USA₮ as the regulated on-ramp leg, then convert to a local stablecoin via Mento (USDm, BRLm, KESm, NGNm, and more), Ripio wFIAT (wBRL, wARS, wMXN, wCOP), or VNX (VGBP, VCHF) depending on the destination corridor. -**MiniPay Mini App** — USA₮ launched with MiniPay as a Day One integration partner. MiniPay has 18M+ wallet activations across 66+ countries — a built-in distribution channel for any USA₮-denominated Mini App. +**MiniPay Mini App** — USA₮ launched with MiniPay as a Day One integration partner. MiniPay has 20M+ wallet activations across 70+ countries — a built-in distribution channel for any USA₮-denominated Mini App. ## Related diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index 450ab47995..f4fab01950 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -6,7 +6,7 @@ description: What is Celo-specific about building a MiniPay Mini App — stablec This page is for developers building a Mini App for [MiniPay](https://www.opera.com/products/minipay), the stablecoin wallet from Opera. It covers only what is specific to Celo. The build, test and submit lifecycle is documented by the MiniPay team at [docs.minipay.xyz](https://docs.minipay.xyz/); the index at the end of this page lists every page there so you — or your coding agent — can see what is available without leaving this site. -MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than 10M activations, a built-in Mini App discovery page, and ships inside the Opera Mini Android browser and as a standalone app for [Android](https://play.google.com/store/apps/details?id=com.opera.minipay) and [iOS](https://apps.apple.com/de/app/minipay-easy-global-wallet/id6504087257?l=en-GB). Balances are shown in the user's local currency, the wallet is 2 MB, and phone numbers can stand in for addresses. Mini Apps connect to the wallet automatically on page load; there is no connect button and no sign-in step. +MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than 20M wallet activations in 70+ countries, a built-in Mini App discovery page, and ships inside the Opera Mini Android browser and as a standalone app for [Android](https://play.google.com/store/apps/details?id=com.opera.minipay) and [iOS](https://apps.apple.com/de/app/minipay-easy-global-wallet/id6504087257?l=en-GB). Balances are shown in the user's local currency, the wallet is 2 MB, and phone numbers can stand in for addresses. Mini Apps connect to the wallet automatically on page load; there is no connect button and no sign-in step. ## Prerequisites @@ -15,6 +15,14 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than - Testnet funds: CELO from the [Celo Sepolia faucet](https://faucet.celo.org/celo-sepolia), swapped to a stablecoin in the [Mento app](https://app.mento.org/) - To scaffold: `npx @celo/celo-composer@latest create -t minipay` (the [MiniPay template](https://github.com/celo-org/minipay-template)), or follow the [MiniPay quick start](https://docs.minipay.xyz/getting-started/quick-start.html) +## Choose what to build + +MiniPay prioritises utility over games. The categories that perform best are the ones tied to everyday money: bill payments, savings, local payments, microwork and utilities. Games can still be listed, but they are not what MiniPay is prioritising. Source: [MiniPay Update Q3 2026](https://forum.celo.org/t/minipay-update-q3-2026/13926). + + +Payment apps have a higher bar. You must hold the licences required in every market you operate in, provide your own liquidity, and show maturity and consistency: at least 1,000 monthly active users sustained for at least 6 months before a payment app is considered. + + ## What is Celo-specific ### Stablecoins are the only assets diff --git a/learn/celo.mdx b/learn/celo.mdx index 51009968cd..c795221e8c 100644 --- a/learn/celo.mdx +++ b/learn/celo.mdx @@ -14,7 +14,7 @@ This page is for anyone arriving at the Celo docs, whether you build apps and ag Give an AI agent a wallet, charge for an API with x402 or MPP, and register an onchain identity with ERC-8004. - Ship a web app inside MiniPay, the stablecoin wallet with 10M+ activations. + Ship a web app inside MiniPay, the stablecoin wallet with 20M+ wallet activations. Take USDC, USDT, USA₮ and Mento local stablecoins, and let users pay gas in a stablecoin. diff --git a/learn/protocol/index.mdx b/learn/protocol/index.mdx index 0237d6cbe9..6ac650e5e8 100644 --- a/learn/protocol/index.mdx +++ b/learn/protocol/index.mdx @@ -41,7 +41,7 @@ Celo's original mission — payments that work on a phone — left it with an id ## What the protocol is optimized for -Put together — sub-cent fees, 1-second blocks, gas in stablecoins, phone-number identity, proof-of-human — the protocol is built for two audiences: **people using mobile-first apps** like MiniPay's 10M+ activated wallets, and **AI agents** that pay, get paid, and prove who stands behind them using [x402, ERC-8004, and the rest of the agent stack](/build/agents/overview). +Put together — sub-cent fees, 1-second blocks, gas in stablecoins, phone-number identity, proof-of-human — the protocol is built for two audiences: **people using mobile-first apps** like MiniPay's 20M+ activated wallets, and **AI agents** that pay, get paid, and prove who stands behind them using [x402, ERC-8004, and the rest of the agent stack](/build/agents/overview). ## Related From 04b96fee9822bab3242d12c0ee015ea445dde3a3 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 15:13:44 +0700 Subject: [PATCH 2/7] docs(minipay): US spelling, and cite the forum post only for the category list Co-Authored-By: Claude Opus 5.5 --- build/mini-apps/overview.mdx | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index f4fab01950..22c1405f36 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -17,10 +17,10 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than ## Choose what to build -MiniPay prioritises utility over games. The categories that perform best are the ones tied to everyday money: bill payments, savings, local payments, microwork and utilities. Games can still be listed, but they are not what MiniPay is prioritising. Source: [MiniPay Update Q3 2026](https://forum.celo.org/t/minipay-update-q3-2026/13926). +MiniPay prioritizes utility over games. The categories that perform best are the ones tied to everyday money: bill payments, savings, local payments, microwork and utilities ([MiniPay Update Q3 2026](https://forum.celo.org/t/minipay-update-q3-2026/13926)). Games can still be listed, but they are not what MiniPay is prioritizing. -Payment apps have a higher bar. You must hold the licences required in every market you operate in, provide your own liquidity, and show maturity and consistency: at least 1,000 monthly active users sustained for at least 6 months before a payment app is considered. +Payment apps have a higher bar. You must hold the licenses required in every market you operate in, provide your own liquidity, and show maturity and consistency: at least 1,000 monthly active users sustained for at least 6 months before a payment app is considered. ## What is Celo-specific From 1e361c017c3ef81af83a638dc71074231045db27 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 17:27:01 +0700 Subject: [PATCH 3/7] docs(minipay): point to MiniPay's quarterly forum update instead of listing categories, and limit payment apps to DeFi-background projects Per review: the page should not need a quarterly edit. Co-Authored-By: Claude Opus 5.5 --- build/mini-apps/overview.mdx | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index 22c1405f36..3c46962de6 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -17,10 +17,10 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than ## Choose what to build -MiniPay prioritizes utility over games. The categories that perform best are the ones tied to everyday money: bill payments, savings, local payments, microwork and utilities ([MiniPay Update Q3 2026](https://forum.celo.org/t/minipay-update-q3-2026/13926)). Games can still be listed, but they are not what MiniPay is prioritizing. +MiniPay shares the kinds of Mini Apps it is prioritizing, and where it is heading, in its quarterly updates on the [Celo forum](https://forum.celo.org/). Check the latest MiniPay update there before you pick what to build. -Payment apps have a higher bar. You must hold the licenses required in every market you operate in, provide your own liquidity, and show maturity and consistency: at least 1,000 monthly active users sustained for at least 6 months before a payment app is considered. +Payment apps are for projects with a long-term background in DeFi only, to ensure the highest quality and security for users. They must also hold the licenses required in every market they operate in and provide their own liquidity. ## What is Celo-specific From b15143852a2120919c978e8894ab5cd8b8569e18 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 17:53:11 +0700 Subject: [PATCH 4/7] =?UTF-8?q?docs(minipay):=20list=20USA=E2=82=AE=20amon?= =?UTF-8?q?g=20MiniPay's=20stablecoins,=20scope=20the=20payment-apps=20gui?= =?UTF-8?q?dance,=20and=20link=20the=20latest=20MiniPay=20update?= MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit The USA₮ page no longer claims a launch-day integration; it says what holds today and links the Mini Apps page. The payment-apps warning now names which apps it covers and says it is Celo's guidance, not a MiniPay listing rule. Co-Authored-By: Claude Opus 5.5 --- build/build-with-usat.mdx | 2 +- build/mini-apps/overview.mdx | 9 +++++---- 2 files changed, 6 insertions(+), 5 deletions(-) diff --git a/build/build-with-usat.mdx b/build/build-with-usat.mdx index 651753ec2c..acd0422573 100644 --- a/build/build-with-usat.mdx +++ b/build/build-with-usat.mdx @@ -64,7 +64,7 @@ For a full implementation guide, see [Using Fee Abstraction](/build/fee-abstract **Compliant remittance** — Use USA₮ as the regulated on-ramp leg, then convert to a local stablecoin via Mento (USDm, BRLm, KESm, NGNm, and more), Ripio wFIAT (wBRL, wARS, wMXN, wCOP), or VNX (VGBP, VCHF) depending on the destination corridor. -**MiniPay Mini App** — USA₮ launched with MiniPay as a Day One integration partner. MiniPay has 20M+ wallet activations across 70+ countries — a built-in distribution channel for any USA₮-denominated Mini App. +**MiniPay Mini App** — MiniPay holds USA₮ alongside its other stablecoins, so a USA₮-denominated Mini App reaches MiniPay users directly. See [Mini Apps](/build/mini-apps/overview). ## Related diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index 3c46962de6..d6b2a4a80b 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -17,26 +17,27 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than ## Choose what to build -MiniPay shares the kinds of Mini Apps it is prioritizing, and where it is heading, in its quarterly updates on the [Celo forum](https://forum.celo.org/). Check the latest MiniPay update there before you pick what to build. +MiniPay shares the kinds of Mini Apps it is prioritizing, and where it is heading, in its quarterly updates on the Celo forum. Check the [latest MiniPay update](https://forum.celo.org/search?q=%22MiniPay%20Update%22%20%40opera_minipay%20order%3Alatest) before you pick what to build. -Payment apps are for projects with a long-term background in DeFi only, to ensure the highest quality and security for users. They must also hold the licenses required in every market they operate in and provide their own liquidity. +Celo's guidance for payment apps (local payments, QR pay, transfers), separate from MiniPay's listing requirements: build one only if your project has a long-term background in DeFi, to ensure the highest quality and security for users, and only with the licenses required in every market you operate in and your own liquidity. ## What is Celo-specific ### Stablecoins are the only assets -MiniPay holds USDm, USDC and USDT — no CELO balance is shown to the user. Price and settle in one of these. +MiniPay holds USDm, USDC, USDT and USA₮ — no CELO balance is shown to the user. Price and settle in one of these. | Token | Celo mainnet (42220) | Decimals | |---|---|---| | USDm | [`0x765DE816845861e75A25fCA122bb6898B8B1282a`](https://celoscan.io/address/0x765DE816845861e75A25fCA122bb6898B8B1282a) | 18 | | USDC | [`0xcebA9300f2b948710d2653dD7B07f33A8B32118C`](https://celoscan.io/address/0xcebA9300f2b948710d2653dD7B07f33A8B32118C) | 6 | | USDT | [`0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e`](https://celoscan.io/address/0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e) | 6 | +| USA₮ | [`0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771`](https://celoscan.io/address/0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771) | 6 | -USDC and USDT use **6 decimals**; USDm uses 18. `parseUnits(amount, 18)` on a USDC transfer sends 10¹² times the intended amount. Pass the token's decimals explicitly. +USDC, USDT and USA₮ use **6 decimals**; USDm uses 18. `parseUnits(amount, 18)` on a USDC transfer sends 10¹² times the intended amount. Pass the token's decimals explicitly. ```ts From da26b9f4d65a1167e52d2c8a05221f8132e6c5e2 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 18:02:07 +0700 Subject: [PATCH 5/7] docs(minipay): drop the attribution from the payment-apps warning until its owner confirms it Co-Authored-By: Claude Opus 5.5 --- build/mini-apps/overview.mdx | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index d6b2a4a80b..51f9c6f840 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -20,7 +20,7 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than MiniPay shares the kinds of Mini Apps it is prioritizing, and where it is heading, in its quarterly updates on the Celo forum. Check the [latest MiniPay update](https://forum.celo.org/search?q=%22MiniPay%20Update%22%20%40opera_minipay%20order%3Alatest) before you pick what to build. -Celo's guidance for payment apps (local payments, QR pay, transfers), separate from MiniPay's listing requirements: build one only if your project has a long-term background in DeFi, to ensure the highest quality and security for users, and only with the licenses required in every market you operate in and your own liquidity. +Payment apps (local payments, QR pay, transfers) are for projects with a long-term background in DeFi only, to ensure the highest quality and security for users. They also need the licenses required in every market they operate in and their own liquidity. ## What is Celo-specific From 9caf28556abefd2f33319b4650a9bba94e9a85f4 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 18:04:59 +0700 Subject: [PATCH 6/7] docs(minipay): apply the stricter bar to DeFi apps, not payment apps Per review: lending, borrowing, savings and similar. Co-Authored-By: Claude Opus 5.5 --- build/mini-apps/overview.mdx | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index 51f9c6f840..bf8401cc3b 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -20,7 +20,7 @@ MiniPay runs only on Celo (mainnet) and Celo Sepolia (testnet). It has more than MiniPay shares the kinds of Mini Apps it is prioritizing, and where it is heading, in its quarterly updates on the Celo forum. Check the [latest MiniPay update](https://forum.celo.org/search?q=%22MiniPay%20Update%22%20%40opera_minipay%20order%3Alatest) before you pick what to build. -Payment apps (local payments, QR pay, transfers) are for projects with a long-term background in DeFi only, to ensure the highest quality and security for users. They also need the licenses required in every market they operate in and their own liquidity. +DeFi apps (lending, borrowing, savings and similar) are for projects with a long-term background in DeFi only, to ensure the highest quality and security for users. They also need the licenses required in every market they operate in and their own liquidity. ## What is Celo-specific From 983fde6f7ea9a8db55c8a4d8a34d863a799b63e5 Mon Sep 17 00:00:00 2001 From: ghoza Date: Thu, 22 Oct 2026 18:07:02 +0700 Subject: [PATCH 7/7] docs(minipay): keep Mini App tokens to USDT, USDC and USDm, as MiniPay's docs require MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit MiniPay wallets hold USA₮, but MiniPay asks Mini Apps to use USDT, USDC and USDm only. The USA₮ page now says both and links MiniPay's supported-tokens section; the Mini Apps stablecoin table is back to MiniPay's list. Co-Authored-By: Claude Opus 5.5 --- build/build-with-usat.mdx | 2 +- build/mini-apps/overview.mdx | 5 ++--- 2 files changed, 3 insertions(+), 4 deletions(-) diff --git a/build/build-with-usat.mdx b/build/build-with-usat.mdx index acd0422573..68f457091c 100644 --- a/build/build-with-usat.mdx +++ b/build/build-with-usat.mdx @@ -64,7 +64,7 @@ For a full implementation guide, see [Using Fee Abstraction](/build/fee-abstract **Compliant remittance** — Use USA₮ as the regulated on-ramp leg, then convert to a local stablecoin via Mento (USDm, BRLm, KESm, NGNm, and more), Ripio wFIAT (wBRL, wARS, wMXN, wCOP), or VNX (VGBP, VCHF) depending on the destination corridor. -**MiniPay Mini App** — MiniPay holds USA₮ alongside its other stablecoins, so a USA₮-denominated Mini App reaches MiniPay users directly. See [Mini Apps](/build/mini-apps/overview). +**MiniPay** — MiniPay wallets can hold USA₮, but MiniPay asks Mini Apps to price and settle in USDT, USDC or USDm only ([supported tokens for Mini Apps](https://docs.minipay.xyz/technical-references/retrieve-balance.html#supported-tokens-for-mini-apps)). Build a USA₮ app for other wallets, or check MiniPay's docs before pricing a Mini App in USA₮. See [Mini Apps](/build/mini-apps/overview). ## Related diff --git a/build/mini-apps/overview.mdx b/build/mini-apps/overview.mdx index bf8401cc3b..4a95b48f28 100644 --- a/build/mini-apps/overview.mdx +++ b/build/mini-apps/overview.mdx @@ -27,17 +27,16 @@ DeFi apps (lending, borrowing, savings and similar) are for projects with a long ### Stablecoins are the only assets -MiniPay holds USDm, USDC, USDT and USA₮ — no CELO balance is shown to the user. Price and settle in one of these. +MiniPay holds USDm, USDC and USDT — no CELO balance is shown to the user. Price and settle in one of these. | Token | Celo mainnet (42220) | Decimals | |---|---|---| | USDm | [`0x765DE816845861e75A25fCA122bb6898B8B1282a`](https://celoscan.io/address/0x765DE816845861e75A25fCA122bb6898B8B1282a) | 18 | | USDC | [`0xcebA9300f2b948710d2653dD7B07f33A8B32118C`](https://celoscan.io/address/0xcebA9300f2b948710d2653dD7B07f33A8B32118C) | 6 | | USDT | [`0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e`](https://celoscan.io/address/0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e) | 6 | -| USA₮ | [`0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771`](https://celoscan.io/address/0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771) | 6 | -USDC, USDT and USA₮ use **6 decimals**; USDm uses 18. `parseUnits(amount, 18)` on a USDC transfer sends 10¹² times the intended amount. Pass the token's decimals explicitly. +USDC and USDT use **6 decimals**; USDm uses 18. `parseUnits(amount, 18)` on a USDC transfer sends 10¹² times the intended amount. Pass the token's decimals explicitly. ```ts