What is a non-custodial crypto wallet?

A non-custodial crypto wallet is a wallet where you, and only you, control your private keys. Unlike custodial wallets (like those at exchanges), your funds are never held by a third party. LigaPay uses a non-custodial architecture where your private keys are encrypted and stored only in your browser - LigaPay's servers never have access to your funds or keys. This means you have complete control and ownership of your cryptocurrency at all times.

How do I send USDC with a QR code?

To send USDC with a QR code in LigaPay: 1) Open the LigaPay app and go to Send, 2) Enter the amount of USDC you want to send, 3) Scan the recipient's QR code or have them scan yours, 4) Review the transaction details including network fees, 5) Confirm and sign the transaction with your wallet password. The USDC is sent directly from your wallet to the recipient's wallet on the blockchain - no intermediaries involved.

Is USDC Halal compliant?

USDC (USD Coin) is generally considered Halal-compliant by many Islamic finance scholars because it is a stablecoin backed 1:1 by US dollars and short-term US Treasury bonds, making it a digital representation of fiat currency rather than a speculative asset. LigaPay's LigaIndex™ provides Halal compliance screening for USDC and 50+ other cryptocurrencies, giving each a score based on multiple Islamic finance criteria. Always consult with a qualified Islamic finance scholar for personal rulings.

What is LigaIndex and how does it work?

LigaIndex™ is LigaPay's proprietary ethical screening technology for cryptocurrencies. It analyzes each cryptocurrency across multiple ethical frameworks including Halal compliance, ESG (Environmental, Social, Governance), and values-based investing criteria. Each crypto receives a score from 0-100, where higher scores indicate better alignment with ethical standards. LigaIndex currently covers 54+ cryptocurrencies and helps investors make informed decisions aligned with their values.

How is LigaPay different from Coinbase or other crypto exchanges?

LigaPay is fundamentally different because it's non-custodial - we never hold your funds. When you use Coinbase or similar exchanges, they hold your crypto in their wallets and you trust them with custody. With LigaPay, your private keys are encrypted and stored only in your browser. You sign transactions locally, and we only broadcast the pre-signed transaction to the blockchain. Additionally, LigaPay offers LigaIndex™ ethical screening, which no major exchange provides, helping you invest according to your values.

Can I buy crypto with LigaPay?

Yes, LigaPay integrates with trusted providers like MoonPay, Transak, Ramp, and Coinbase to let you buy cryptocurrency directly within the app. When you purchase, the crypto is sent directly to your non-custodial LigaPay wallet address. You can buy USDC, ETH, MATIC, and other supported cryptocurrencies using credit/debit cards, bank transfers, or Apple Pay depending on the provider.

What networks does LigaPay support?

LigaPay supports multiple blockchain networks including Polygon (recommended for low fees), Ethereum, Arbitrum, Optimism, Avalanche, Base, Solana, Stellar, and Algorand. For USDC transfers, we recommend Polygon network as it offers the lowest transaction fees while maintaining security and speed.

Is LigaPay safe and secure?

LigaPay uses industry-leading security practices. Your private keys are encrypted using AES-256-GCM encryption with PBKDF2 key derivation (100,000 iterations) and stored only in your browser's secure storage - never on our servers. All transactions are signed locally in your browser before being broadcast. We use HTTPS encryption for all communications, and our non-custodial architecture means even if our servers were compromised, attackers could not access your funds.

LigaPay™ - Non-Custodial Blockchain Application

Your crypto, your values, your control