Toppa is an AI-powered financial services agent for mobile airtime top-ups, data bundles, utility bill payments (electricity, water, internet, TV), and gift card purchases across 170+ countries. It connects 800+ telecom operators and 300+ gift card brands to the Celo blockchain, letting anyone pay with cUSD stablecoins via the x402 micropayment protocol.
Available on both Telegram and WhatsApp, Toppa understands natural language and voice notes — just say what you need and it handles the rest.
Beyond individual payments, Toppa supports:
Toppa is a registered on-chain agent (ERC-8004, Agent #1870) with verifiable identity on Celo Mainnet. It exposes services through multiple interoperability standards:
All paid operations are gated by x402 HTTP payments — no API keys, no accounts, just stablecoins.
We are on a mission to make real-world digital payments — airtime, data, bills, gift cards, and group finances — accessible to both humans and AI agents everywhere, using open standards (A2A, MCP, ERC-8004) and blockchain-native stablecoin payments on Celo.
No gatekeepers, no legacy rails — just open protocols connecting crypto to the services billions depend on daily. Whether you're an individual topping up a phone, a group pooling money for shared expenses, or an AI agent executing tasks autonomously, Toppa is the bridge between blockchain and the real world.
Billions of people across Africa, Asia, and Latin America rely on prepaid mobile services. Airtime, data bundles, and utility bill payments are daily necessities, not luxuries. Yet, the infrastructure to perform these transactions across borders remains deeply fragmented:
The result: Sending $5 of airtime to a family member in another country is harder than sending $5,000 in crypto. Groups pooling money for shared expenses rely on trust and spreadsheets. And the emerging agentic economy has no bridge to essential real-world services.
Toppa solves this by wrapping 800+ telecom operators and 300+ gift card brands behind a single AI agent that accepts blockchain-native payments on Celo.
Core capabilities:
Protocol innovations:
A single HTTP request is all it takes — whether from a human, a chatbot, or another autonomous agent — to top up a phone, pay a bill, or buy a gift card anywhere in the world.
Toppa operates on a transaction fee model. Every paid operation (airtime, data, bills, gift cards) is processed via the x402 HTTP micropayment protocol, where Toppa charges a small service fee on top of the base cost. Users pay in cUSD stablecoins on Celo — no subscriptions, no API keys. Free discovery APIs (operators, billers, gift cards) are open to drive adoption and integration by other agents and developers.
Want to grow through just grant funding
Global — with primary focus on Africa, South Asia, Southeast Asia, and Latin America (170+ countries)
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