inside nimiq pay

saving is not
a decision.
it’s a side effect.

you keep spending exactly as you do now. every payment quietly builds the thing you're actually saving for. no reminders, no discipline, no willpower required.

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not everyone finishes.

most people intend to save. then they forget, or spend first, or lose the thread three weeks in. the goal was never the problem. the method was. saving that depends on discipline eventually runs out of discipline.

the proof writes itself.

choose your stride.

four ways to save without ever deciding to save. round-up is on by default. change it any time.

01

round-up stride

recommended

every payment is rounded up. the spare change lands in your milestone before you've put your phone away.

coffee47 NIM
charged50 NIM
saved3 NIM
02

income stride

a percentage of everything you receive is set aside the moment it arrives. built for creators and freelancers who get paid in bursts.

freelance invoice220 NIM
your rate15%
saved on arrival33 NIM
03

weekly stride

a fixed amount moves every week. the most boring one, and the one that quietly wins over a long enough horizon.

every friday10 NIM
per monthβ‰ˆ 43 NIM
decisions requirednone
04

balance stride

draw a line under your spending money. anything that floats above it gets swept into the goal without you noticing.

keep spendable500 NIM
balance today641 NIM
swept141 NIM

some goals were
never yours alone.

share a milestone and anyone can move it. every contribution lands on chain instantly, carries a message, and stays attached to the goal forever.

it doesn't manage
your money.

it builds your momentum. one useful line at a time, read from what you actually did, ending in something you can act on in a single tap.

at your current pace, you'll reach your laptop goal in 8 weeks.
increasing your income stride from 15% to 20% would help you finish two weeks earlier.
apply this

a finished goal shouldn't
vanish into a ledger.

when a milestone completes it stays with you, with everyone who helped and everything they said. your wallet stops being a list of things you bought.

contributors keptwho helped, and how much.
messages keptthe words, not just the amounts.
the next goal starts itselffinishing one promotes the next automatically.
STRIDEtestnet
spendable
1,664NIM
hackathon trip
round-up stride
120of 300 NIM40%
stride coach
at your current pace, you'll reach this in 13 days.

without the wallet,
none of this works.

the round-up has to happen as the payment is signed. the cut of your income has to be taken by the thing that receives it. spending and savings are separate addresses, and only the wallet holds the keys to move between them. stride isn't an app that watches your money. it's the layer that moves it.

stop deciding to save.

every stride, contribution and sweep in this product is a real signed transaction on the Nimiq testnet. nothing here is a mock.