Every tool you need, none of the complexity
CellFi is a complete crypto platform that makes saving, sending, earning, and borrowing as simple as using your phone — no crypto experience required.
The Core Experience
Three foundational innovations that make CellFi different from every other crypto wallet
No Seed Phrases. No Gas Fees.
CellFi uses Account Abstraction (ERC-4337) to eliminate the biggest barriers to crypto. No 12-word seed phrases to lose, no gas fees to calculate. Your first 5 transactions each day are completely sponsored — you just send and receive.
Traditional Crypto
- Memorize seed phrases
- Calculate gas fees
- Manage private keys
- Complex wallet setup
CellFi
- Login with email or social
- First 5 txs/day free
- Keys secured automatically
- Ready in 30 seconds
Your Keys, Your Crypto
Powered by Dynamic.xyz's TSS-MPC technology, your private key is split into multiple encrypted shares — distributed across your device and secure servers. No single point of failure, no one else can access your funds. True self-custody with the simplicity of a login.
Human-Readable Addresses
Forget copying and pasting 42-character hex addresses. Every CellFi user gets a free ENS subdomain — yourname.cellfi.xyz — making it as easy to send crypto as it is to send an email. Powered by our own CCIP-read gateway.
0x7a3b...9f2calice.cellfi.xyzMove Money Freely
Whether sending to a friend or bridging across chains, every transaction is fast, secure, and simple
Send & Receive
Instant peer-to-peer transfers
Send crypto to anyone using their ENS name or wallet address. Sub-60 second settlement on the Citrea network with zero gas fees for your first 5 daily transactions.
Cross-Chain Bridging
Move assets between chains
Bridge your assets across multiple blockchains seamlessly. Powered by the Squid protocol for automated routing — find the fastest, cheapest path for every transfer.
DeFi, Simplified
Powerful decentralized finance tools wrapped in an interface anyone can use
Lending & Borrowing
Access a full DeFi lending protocol built on an Aave V3 fork. Supply assets to earn interest, borrow against your collateral, or provide liquidity to earn rewards — all without leaving CellFi.
Token Swaps
Swap between supported tokens directly on the Citrea network. Our DEX integration through Satsuma gives you access to multiple trading pairs with no intermediary — your swap, your terms.
Banking by Text Message
Send money, check your balance, and manage your wallet with simple SMS commands — no smartphone or internet connection required
Watch how easy it is to send crypto with simple text messages
Text to Send
Send crypto with a simple SMS command
Check Balance
Text to see your balance instantly
Offline Access
Works without internet or smartphone
Built on Bitcoin. Powered by Citrea.
Citrea is a ZK rollup that settles on Bitcoin — giving you Ethereum-level programmability with Bitcoin-level security. For you, that means fast, cheap transactions backed by the most trusted blockchain in the world.
Bitcoin Settlement
Final settlement secured by Bitcoin's proof-of-work
ZK Proofs
Zero-knowledge proofs for scalable verification
EVM Compatible
Full Ethereum tooling and smart contract support
Low Fees
Fraction of the cost of L1 transactions
Ready to get started?
Experience all of these features today — no downloads, no seed phrases, no gas fees.