Works in US & Canada
Works like cash.
Moves like a text.
Create, send, or receive money in under 10 seconds.
It works the way you already do — simple, fast, and straight from your phone.
SIMPLIFIED
Easy does it. Feels like cash, not a computer.
PRIVACY
Privacy first. Use your wallet. Skip the interrogation. We only ask when we have to.
24/7 and 365
Always on. No "pending." No waiting. Weekends and holidays included.
SECURITY
Your keys. Your money. You're the only one with access.
What's in it for you?
Everyday benefits that make money easier to use, easier to share, and easier to trust.
Money, as fast as your messages.
Send money and see it arrive instantly — no waiting, no delays.
Bye-bye, passwords.
Log in with a code we text you. One tap and you’re in.
Just @username. Nothing else.
No account numbers. Just a username that’s safe and easy to share.
Your wallet, your rules.
You stay in control of your money — always.
Need cash? You're covered.
Move money back to your bank whenever you want.
A wallet that works like you do
Money should fit into your day — not the other way around. Caplito keeps things simple, available, and easy to use whenever you need it.
No Days Off Wallet
It's still pixels on the screen—but nobody can freeze it, stop it, or access it but you. Works weekends. Works holidays never sleeps—not even on Sundays fully in your control
Nobody Likes Homework
Control your wallet the way you already know how. No manuals. No learning curve.
Split That Slice Of Pizza
Adding, subtracting, dividing dinner on the first date—we got you covered
Somebody Call Security?
Your wallet. Your phone. Your rules. We can't move your money. We can't freeze it. We can't even look at it. Only your phone or device can unlock your wallet. That's it. No one else—not even us.
Interested to Try?
Phone. Username. Done.
Getting started takes less than 10 seconds. No passwords, no forms, no waiting around.
STEP 1
Sign up with your phone or email
We don't store your logins. Only you have access through your phone or email. We text you a code. Type it in. No passwords to forget
STEP 2
Choose a username that’s yours
Your username is how people find you and send you money. Share it with anyone, anytime — just like you would on your favorite apps.
STEP 3
Your wallet is ready to use
Add money with your card, bank transfer, or crypto. Send it out, or share your username and let money come to you instantly.
Add it. Send it. Spend it.
Everything you need for everyday payments — in one simple wallet.
Add money your way
Top up with your card, bank, or crypto — whenever you need.
Pay or get paid instantly
Use your balance to pay people or receive money in seconds.
Request & track easily
Ask for money, see your activity, and stay in control.
Cash out anytime
Move your money to your bank or crypto balance whenever you want.
Have questions? We've got answers!
Cap- = Capital (your money, your leverage, your power) -lito = A small, approachable suffix from Spanish/Italian Caplito = Literally “Little Capital.” But in your hands? It’s power with teeth. You don’t need a fortune to feel in control of your finances. You need Caplito—your own personal pot of money that’s easy to access, simple to manage, and smart by design. Built for those who want big control over even the smallest stash.
Caplito is a wallet for your phone. Think of it like a digital wallet that lets you send, receive, and hold money — fast. When you sign up, your account is connected to your phone number. Every time you log in, we text you a quick code to keep your account safe. That's it. No passwords to remember, and you can access your digital money from any device.
Your money in Caplito is held as digital dollars. These digital dollars are backed one-for-one by real US dollars — meaning for every dollar in your Caplito account, there's a real dollar sitting in reserve. It works just like cash, but lives on your phone and moves at internet speed.
When someone accepts a Caplito payment, they get the full value instantly — no waiting days for the money to "clear." Business owners can keep the money in their Caplito account or move it straight to their regular bank account whenever they want. It's their choice.
Yes — and here's the important part: your money belongs to you, not us. Caplito doesn't mix your funds with other people's money or hold it in some company account. Your balance sits in a wallet that only you control. We just give you the tools to move it around safely. You decide when to add money, take it out, or send it to someone else.
Sending money to friends, family, or anyone else is completely free. If you want to add money to your Caplito account, our partner services may charge a small fee. And if you want to move money from Caplito back to your bank account, there's a 5% fee — which is standard in the industry.
Right now, Caplito works in the United States and Canada.
Caplito doesn't put limits on your money. You can send or receive as much as you want. However, your bank or card company might have their own daily limits. So if a payment doesn't go through, check with your bank first — it's usually on their end, not ours.