MyFriendlyWallet (MFW) is a non-custodial multi-chain crypto wallet that makes sending stablecoins feel as simple as sending a text. Pick a @username, tap send, the money lands in seconds. The 54 blockchains underneath stay hidden — users never pick a chain, never pay gas, never handle a 0x address. Only when you flip on power mode do the chains, tokens, and advanced controls surface.

## The problem

Crypto payments today are hostile to normal people. A single transaction can go wrong a dozen ways — wrong chain, wrong address, not enough native token for gas, unsupported token on the destination — and in most failure modes the money is gone forever. Non-technical users bounce, and the "crypto payments" promise never materializes for the billions of people who could actually use it.

MFW's thesis: hide the complexity. A wallet that feels like Venmo but settles on-chain, works globally, and never touches user funds.

## How it works

Send by @username, not 0x address. Every user picks a human-readable username. To send, you type @alice — MFW resolves it to the right address on the right chain automatically.

Stablecoin-first. The three defaults are USDC, USDT, and EURC. Everything else is tucked behind power mode.

Gasless where it matters. On Base (USDC, EURC) and Solana (USDT), MFW runs a pool of relayer wallets that pay gas on the user's behalf. Users never hold a native token. Senders just see "$50 sent" in ~3 seconds.

Non-custodial. Keys are generated and stored on the user's device. The backend never sees a private key and never holds user funds.

No app install. MFW is a Progressive Web App. Runs in any modern browser, installs to the home screen on iOS and Android with one tap. No app store review cycles.

## The stack

Frontend: Single-file React PWA. Installs to the home screen on iOS and Android with one tap, works in any modern browser, no app store review cycles.

Backend: 100% Cloudflare Workers. RPC proxying for 54 chains, fee enforcement, gas relayer orchestration, transaction broadcasting. Sub-100ms cold starts at every edge make gasless sends feel instant.

On-chain mechanics: No custom smart contracts — by design. Sends go through each chain's native transfer paths or standard token contracts (ERC-20, SPL). The gasless UX on Base uses EIP-3009 transferWithAuthorization on Circle's USDC and EURC contracts, with the relayer pool handling nonce coordination server-side. Zero custom contract surface area means zero audit risk and zero protocol-level lock-in.

Keys: PBKDF2-derived seeds, device-only. Hardened service worker. No key material ever crosses the Cloudflare boundary.

## Free embeddable widgets

Five free payment widgets, copy-paste HTML, no signup or API key:

- Coffee shop / tip jar

- Donate button (nonprofits, open source, newsletters)

- Checkout (single fixed-price product)

- Pay button (generic CTA pre-filled for send flow)

- Invoice (single-use payment link, amount, reference, tax)

Recipient configures the widget once, pastes the snippet on their site, done. When a payer clicks pay, the widget guides them into creating an MFW wallet and completing the send in a few seconds. Receivers pay nothing — MFW only takes 0.25% from the sender.

## For developers and partners

Runs on the same Cloudflare Workers infrastructure:

- Developer API — REST endpoints for send/receive flows, balance lookups, fee quoting across chains, payment intents. Bearer auth.

- Partner API — for fintechs and platforms embedding MFW under their own brand. Per-partner fee splits, custom branding, account-level reporting.

Docs at myfriendlywallet.io/mfw-developers.html.

## Chain coverage

54 active chains, 156 tokens. Includes Bitcoin, Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain, Avalanche, zkSync, Scroll, Linea, Mantle, Solana, TRON, Cardano, Stellar, XRP, NEAR, MultiversX, Tezos, VeChain, Polkadot, Cosmos IBC, TON, and more.

## Pricing

Free to receive. 0.25% fee on sends (min $0.02). No subscription, no freemium trap. The fee is the entire business model.

## Who's building this

Built solo by Svein-Erik Bjørnstad, operating through Crypteria AS (Norwegian limited company). Bootstrapped — no external funding, no token, no speculative upside. Live today at myfriendlywallet.io and app.myfriendlywallet.io.