24-hour cards
A sender confirms an email with a six-digit code, funds a NIM, USDC on Polygon, or USDT on Polygon or Ethereum card, and Wire emails a link to the recipient. The recipient confirms their own email with another code, then chooses a receiving address or opens the usual Nimiq payment link.
Wire does not hold your personal wallet. Each card has its own address on the blockchain, the public record of payments.
A card is valid for 24 hours. An unclaimed NIM card is then refunded automatically to the address that funded it. For USDC/USDT, the sender opens Wire and recovers the funds using their browser key. If NIM was funded from an exchange or a custodial wallet, the refund returns to that funding address.
Fees and refunds
NIM has no Wire fee beyond the network fee. For USDC/USDT, the fee is the card’s network cost when created, with a margin, plus 6% of the amount. The sender sees one total amount to pay. This margin helps absorb changes in network costs.
The relay sends the card’s payment and pays its network cost. A refund retains the full relay fee: the estimated network cost, including its margin, plus 6% of the amount.
Estimates use third-party data: network nodes for network costs, Chainlink for prices, and CoinGecko as a fallback.
Final payments and risk
Once a payment is claimed, nobody, including Wire, can reverse it. Check the receiving address carefully.
The software is provided as it is, without warranty. It moves real money. A code review is not a security certification.
Sending access
Sending is by invitation unless an administrator opens access. Changing access does not change cards already sent.
Rules of use
The rules below apply to everyone who uses Phoenix Wire. They are listed with the operator and the contact details at the end of this page.
Operator and contact
Phoenix Wire is operated by the person named below. Questions and requests, including deletion requests, go to the contact address below.
Operator name: Xcoder
Contact address: [email protected]
Governing law: The laws of Québec, Canada, and the federal laws of Canada that apply there.
Minimum age: 18 years
Prohibited uses: Any illegal use: fraud, money laundering, or payments for goods or services that are themselves illegal. Paying for lawful goods or services agreed between the users is allowed.