Dubai
Kochi
Bills back homePay it in full, straight to the biller.
Electricity, water, phone, school fees and insurance, paid from wherever you are.
35,000+ billers worldwideFounding Households·10,000 placesFree for life.
Free for life.
For the first 10,000.
Money is an emotion — nobody should pay a tax on love. The first 10,000 on the waitlist pay no MuffinPay transfer fee, ever. The next 100,000 get a full year free.
- Places 1–10,000Free for life
- Next 100,00012 months free
- EveryoneGenesis Karmic Points
— Founding places leftof 10,000
Life Payments — pay bills, send money and spend across borders, with reach to 35,000+ billers in 180 countries.
What is MuffinPay
Life Payments. Wherever life is.
MuffinPay lets you pay the bills of the people you love in another country, from wherever you live: for example, from Dubai pay Mum’s electricity in Kochi, or from London pay school fees in Pune.
Your family, your bills and your money don’t live in one country. MuffinPay brings them into one place, so looking after the people you love takes a tap, not a trip to the bank.
Bills back home
Money to familyStraight to their bank account.
See the exchange rate before you send. Founding Households pay no MuffinPay transfer fee.
180 countries reached
One cardSpend at home, abroad and online.
One card for everyday spending, wherever life takes you.
Coming soonFounding Household benefits
Early believers get the front seat.
The earlier you join, the more you keep. Every reward is earned by your place in line — no draw, no luck needed.
Places 1 – 10,000
Freefor life
Founding Households
No MuffinPay transfer fee on bills and money home — for as long as you're with us. First through the door at launch.
The next 100,000
12months free
Early Households
A full year with no MuffinPay transfer fee, starting from your first payment — not from the day you sign up.
Everyone on the waitlist
Genesispoints
Genesis Karmic Points
Earn points for joining and for every friend you bring. When $MUFFIN launches, your points convert into $MUFFIN.
Invite friendsBring your people.
Bring your people.
Get free for life.
After you join, you get a personal invite link and code. Every friend who joins with it moves you up the line and earns you Genesis Karmic Points.
1each friend
Move up 100 places
Every friend who joins with your link moves you 100 places up the line — and both of you earn Genesis Karmic Points.
3friends
Your first bill home, on us
We pay your first bill back home at launch — up to $10. Electricity, phone, school fees: your pick.
10friends
Founding, guaranteed
Free for life, wherever you are in line. Ten friends makes you a Founding Household — no matter when you joined.
Get your invite link
Join the waitlist and your personal link appears here and in your welcome email.
Your invite link
Every friend who joins with this link counts towards your rewards.
waitlist.muffinpay.comA friend counts when they join through your link — or type your invite code in the form — with their own name, email and mobile. We email you each time one joins, and your count updates here.
How it works
Three steps to paying nothing.
No payment details and no commitment. Just hold your place.
1
Claim your place
Join with your name, email and mobile. Your place in line decides your reward — free for life or a year free.
2
Share your link
Send your personal invite link to family and friends. Each one who joins moves you 100 places up.
3
Pay, with zero fees
When your invite arrives, pay bills and send money home with no MuffinPay transfer fee. Your points convert to $MUFFIN at launch.
Questions
Good to know.
Anything else? Write to info [at] muffinpay.com.
What is MuffinPay?
MuffinPay is building Life Payments — one place to pay bills, send money and spend across borders, with reach to 35,000+ billers in 180 countries. It was founded by Dileep Seinberg, Founder & CEO. Contact: info [at] muffinpay.com.
Who founded MuffinPay?
Dileep Seinberg, Founder & CEO, founded MuffinPay. He has built bill payments, wallets and payments infrastructure since 2010.
Who becomes a Founding Household?
The first 10,000 places in line — or anyone who brings 10 friends, wherever they are in line. Founding Households pay no MuffinPay transfer fee on bills and money transfers, for life. Each friend who joins with your link moves you 100 places up.
What does free for life mean?
No MuffinPay transfer fee on your personal money transfers and bill payments, for as long as your account is active. You always see the exchange rate before you send. Fair-use limits are published at launch, and card or third-party fees are not included.
What do the next 100,000 get?
Places 10,001 to 110,000 become Early Households: 12 months with no MuffinPay transfer fee, counted from your first payment, not from the day you sign up. Invite friends to climb into the first 10,000.
What are Genesis Karmic Points?
Points you earn on the waitlist — for joining, and for every friend who joins with your link. When the $MUFFIN token launches, your points convert into $MUFFIN, where local law allows and on terms we publish at launch. Points have no cash value before then.
How do invite rewards work?
After you join you get a personal invite link and code. Every friend who joins with it moves you 100 places up the line and earns you both Genesis Karmic Points. At 3 friends we pay your first bill back home at launch, up to $10. At 10 friends you become a Founding Household — free for life — no matter when you joined.
Can I pay bills in India or another country from where I live?
Yes. MuffinPay is built for paying the bills of a home in another country — electricity, school fees, phone and insurance — from wherever you live, with reach to 35,000+ billers in 180 countries.
When will I get access?
Invites roll out in order of place in line, country by country. We message you by email and WhatsApp as soon as your invite is ready.
What do you do with my details?
We use them only to hold your place, send your invite and share launch updates. We never sell your data. To leave the list at any time, write to info [at] muffinpay.com.
What are the conditions?
One place per person, confirmed when you verify your identity at launch. Rewards depend on MuffinPay being available in your country. A friend counts when they join with their own name, email and mobile through your link or invite code; duplicate or fake sign-ups are removed.
Founding Households10,000 places.
10,000 places.
Free for life.
Then a year free for the next 100,000. Take your place today, then bring your people.
Claim my Founding place