The gasless stablecoin wallet for Sui

01

Thesis

Every dollar on Sui should be money people can use: sent to a name, spent with a card, cashed out to a bank, without ever touching a seed phrase or a gas token.

Talise is the gasless stablecoin wallet for Sui users, powered by USDsui. People hold dollars as USDsui and send them to a name instead of an address. Payments are final in under a second, and there is no gas token to hold: USDsui transfers are gasless on the Sui Network.

Sign-in is Google or Apple through zkLogin, so there is no seed phrase, and every payment is signed on the user’s own device. Around that core, Talise connects Sui to the rest of the money world: USDC in from EVM chains, yield from Sui DeFi, a virtual dollar card, and cash-outs to bank accounts and mobile money in more than 30 countries.

Sui already moves dollars in under a second. Talise makes those dollars feel like a bank account, without a bank holding them.

02

Why now

Stablecoins have become the internet’s dollar, but the chains that settle them best are the hardest for ordinary people to use.

Sui finalises a payment in under a second and supports zkLogin natively, yet holds a sliver of stablecoin supply. The gap is not settlement; it is the experience. USDsui, already the second-largest stablecoin on Sui after USDC ($319.8M), gives Talise a native dollar to build that experience on.

03

The problem

Each step a wallet asks of a newcomer loses people, and a dollar that can’t be spent stays a crypto asset.

• Seed phrases. Twelve words to write down, and the money is gone if they are lost.
• Gas. Buying and topping up SUI before any dollar can move.
• Addresses. 66 characters copied without a typo, for every payment.
• Dead ends. No simple way from on-chain dollars to a bank account or a card.

Talise removes each step. Balances are USDsui, which moves gasless on Sui. Every user can claim name@talise and be paid by it. zkLogin turns a Google or Apple sign-in into a wallet whose key stays on the device. And rails at the edges reach banks, cards and other chains, while Talise’s servers can never move a user’s money on their own.

04

The product

One wallet on three platforms, sharing one backend: native iOS, Android and the web.

1. 1

   Sign in

   With Google or Apple. zkLogin creates a Sui wallet whose key stays on the device. No seed phrase.

2. 2

   Hold and send

   Dollars as USDsui, sent to a name like maya@talise. Gasless on Sui, final in under a second.

3. 3

   Spend or cash out

   With the Talise card, or to banks and mobile money in more than 30 countries.

Every app has light and dark modes, a PIN, biometric confirmation for each payment and auto-lock the moment it is left. Every card payment and cash-out opens a receipt, and cash-outs abroad are named for where they go: “Cash out to US bank”, “Cash out to M-Pesa”.

05

How Talise compares

Talise combines what people value in exchanges and remittance apps with the self-custody and speed of a Sui wallet.

YesPartlyNoTypical capabilities of each category; individual products vary.

06

Architecture

The design rule: a compromised Talise server cannot spend a user’s money.

07

Money rails

Inside Talise everything is USDsui; every rail converts at the edge, and each can be switched off in seconds without shipping an app.

The card is the bridge between the two worlds: it turns on-chain dollars into a regulated US-dollar account, which pays out to banks abroad. Inside the network, sends and swaps stay on Sui and final in under a second.

08

Identity and compliance

One identity check unlocks the card, cash-outs abroad and higher limits, and a tier only ever goes up.

The check asks for name, date of birth, address, phone and an ID document. A passport can be scanned instead of typed: the app reads its machine-readable zone on the device, verifies every check digit and fills the form, and it never guesses a document number. Every fiat rail runs through a licensed partner, with a $1,000 daily cash-out cap, a per-deposit cap on local add-money, and bank account numbers encrypted at rest.

09

Security

Keys never leave the device, and the server can prepare a payment but never make one.

10

On-chain programs

Where money must wait, it waits in a contract on Sui, not in a Talise account.

Permissionless by design. Scheduled payments need no server: execute_due can be called by anyone, but it can only send the owner-set amount to the owner-set recipient once the on-chain clock says it is due.

Private transfers. A shielded pool hides amounts and the link between sender and receiver with zero-knowledge proofs (Groth16, Poseidon commitments). The first private round-trip on mainnet ran on 21 June 2026; a multi-party trusted setup comes next, before limits rise.

11

AI and agents

Talise is built for a world where people ask an assistant to move money, and the assistant still needs their approval.

Talise Copilot answers questions about the account and turns a request into a payment the user confirms. The Talise connector lets Claude, ChatGPT and Grok check a balance and prepare cash-outs over OAuth 2.1; a stolen connection can only ever prepare requests the owner must approve. The Talise CLI gives developers and agents the same wallet from a terminal, including agent-to-agent payments. Connect an assistant.

12

Traction

Usage keeps compounding after the launch wave: October was the busiest month on record.

The Talise card and cash-outs abroad launched on 2 November 2026. Figures as of 4 November 2026.

13

Business model

A small, visible fee where money touches the outside world; nothing on dollar-to-dollar transfers inside the network.

Fees are shown before the user confirms, added on top so the recipient gets exactly what was asked, and paid in the same signed transaction to Talise’s treasury on Sui. Talise does not compete on being cheapest. Its edge is the network (a name anyone can pay, final in under a second, no seed phrase) and business flows, where margin comes from volume.

14

Progress

Six months from the first settled transaction to a multi-rail wallet on three platforms.

1. November 2026

   • 4AI connector live for Claude, ChatGPT and Grok, with approve-in-Talise for every cash-out
   • 4Cash-outs abroad named for their destination; receipts for every card payment
   • 4Settings and auto-lock; the identity check raises verified accounts to tier 1
   • 4Passport scan fills the identity application on iOS, Android and web
   • 3Fees on cash-outs and card top-ups switched on
   • 2Talise card and cash-outs abroad launched; add money opened to everyone

2. October 2026

   • 27Android app moves to the new design
   • 21Bridge delivers to any Sui wallet
   • 16Rebrand: one monochrome system across the site and apps
   • 14Product focused on payments; about 16,000 lines removed
   • 10Monthly send cap removed; $1,000 daily cap

3. September 2026

   • 23TALISE TECHNOLOGIES LIMITED incorporated
   • 14Bridge from EVM chains live at talise.io/bridge
   • 4All eight core Move packages republished on mainnet with version gating
   • 2Secrets exposure audit (clean) and Move remediation

4. August 2026

   • 31Move smart-contract polish

5. July 2026

   • 26Hardened shielded pool published
   • 25One Android client, built in React Native
   • 10Earn moves to Sui's gRPC interface; Talise CLI released as source
   • 1Application security audit and remediation

6. June 2026

   • 28Scheduled payments made permissionless on-chain
   • 21First private $1 round-trip through the shielded pool on mainnet
   • 10Launch at app.talise.io; 2,019 sign-ups in June
   • 8First cash-out to a bank account
   • 2Web wallet beta

7. May 2026

   • 31Cross-border strategy written
   • 19First settled transaction

15

Roadmap

Now finishes what November started, Next puts Talise in the app stores, and Later depends on Talise’s own licence and float.

16

Risks

The largest risks are regulatory and partner concentration, not technology.

17

Company

Talise is built by TALISE TECHNOLOGIES LIMITED, incorporated on 23 September 2026 (CAC RC 9881980).

Sources

• Product figures: talise.io/analytics and the Talise production database (read-only), 4 November 2026.
• Market figures: DefiLlama stablecoins, 4 November 2026.
• On-chain: the published-at ids of the nine Move packages on Sui mainnet.