How Incognto Works

The Basics

Incognto is a platform that lets you make anonymous payments to creators, businesses, and other users. Think of it like digital cash that protects your privacy while supporting the people and content you love.

Instead of using traditional money directly, Incognto uses a credit system that keeps your transactions private and secure. Here's how it works:

Step by Step

1. Add Credits to Your Account
Purchase credits using your credit card or bank account. Credits are like tokens that you can use within the Incognto platform. They're not real money, but they represent your ability to access services and tip creators.

2. Make Anonymous Payments
Use your credits to tip creators, pay for content, or give anonymous gifts to other users. Recipients see the payment but not who sent it, protecting your privacy completely.

3. Creators Get Paid
When creators want to cash out their credits, they complete identity verification and can withdraw real money to their bank account. This keeps the platform safe while enabling real earnings.

Understanding Credits

What Are Credits?
Credits are digital tokens that work only within Incognto. Think of them like arcade tokens or gift cards - they have value on our platform but aren't real money that you can spend anywhere else. You can never hold more than $1,999 in credits at any time.

Simple example: You buy $50 worth of credits, then use those credits to tip your favorite YouTuber $10. The creator receives $10 worth of credits, which they can later cash out as real money after verification. No user can ever hold more than $1,999 in credits.

Why Use Credits Instead of Direct Money?

• Privacy: Credits break the direct link between your bank account and recipients
• Security: Your financial information stays protected
• Simplicity: One credit system works for all types of payments
• Compliance: Helps us follow financial regulations while keeping things simple

Account Types

Standard Account
Perfect for most users who want to make anonymous payments and tips. Maximum credit balance is $1,999.

✅ Can do:

• Add up to $1,999 to account
• Make anonymous payments
• Receive credits from others
• Access all platform features

❌ Cannot do:

• Withdraw credits as cash
• Exceed $1,999 funding limit

Verified Account
For creators and users who want to cash out their credits. Maximum credit balance is $1,999.

✅ Everything from Standard, plus:

• Withdraw credits as real money (never above $1,999)
• Higher funding limits
• Priority support
• Enhanced features

📋 Requires:

• Government-issued ID
• Proof of address
• Tax information (for withdrawals)

Safety and Security

Your Money is Protected
When you buy credits, your real money is safely held by Incognto. We use bank-grade security and follow strict financial regulations to protect your funds.

Privacy by Design

• Recipients never see your real name or payment details
• Transactions can't be traced back to you
• Your financial information stays private
• Optional: Add messages without revealing your identity

Fraud Prevention
We monitor for suspicious activity and have limits in place to prevent fraud while keeping the platform safe for everyone.

Common Questions

Can I get my money back if I change my mind?
Once you send credits to someone, that transaction is final. However, if you have unused credits in your account and haven't violated our terms, you may be able to request a refund by contacting support.

How do I know my payment went through?
You'll see a confirmation immediately after sending, and the transaction will appear in your history. Recipients are notified when they receive credits.

Is this legal?
Yes! Incognto operates as a closed-loop prepaid system in compliance with financial regulations. We're not a bank or money transmitter - we're more like a gift card system that works across the entire platform.

What if I lose access to my account?
Contact our support team immediately. We have account recovery procedures, but remember that we can't recover accounts without proper verification to protect your privacy.

Ready to Get Started?

Creating an account takes less than a minute. You'll just need a username and phone number to get started with anonymous payments.