Live on Celo · x402 Protocol

Pay bills and buy airtime with a simple message

Toppa is an AI agent on Telegram that handles airtime, data, utility bills, and gift cards across 170+ countries. Type a message or send a voice note — Toppa understands both. Payments settle on Celo via the x402 protocol — instant, transparent, on-chain.

Try on Telegram → API Docs
170+
Countries
800+
Operators
2,000+
Products
Trusted by users across Africa, Asia & beyond
ToppaBot online
0:04
MTN Nigeria
₦2,000 airtime → +234 802 •••• 4521
2.85 cUSD
Confirm payment?
Yes, send it
✓ Airtime sent!
TX: 0x7f3a...82b1 · Celo
Features

Everything you need, one chat away

No apps to download, no forms to fill. Type a message or send a voice note — Toppa understands both.

Airtime & Data

Top up any phone in 170+ countries. 800+ operators supported. Local currency or USD.

Utility Bills

Pay electricity, water, TV (DStv, GOtv), and internet bills. One message, done.

Gift Cards

Global discovery — Amazon, Steam, Netflix, Binance, Spotify, PlayStation, Xbox, and more.

Smart Memory

Remembers your contacts, preferences, and habits. Schedules recurring payments.

Group Wallets

Pool funds in Telegram or WhatsApp groups. Spend with democratic poll voting. No single person controls the money.

Multi-Currency Swaps

Deposit CELO, USDC, USDT, or cEUR. Toppa swaps everything to cUSD via Uniswap V3 automatically.

2,000+ products & 800+ operators
Amazon MTN Netflix Airtel Steam Vodafone Spotify Safaricom PlayStation Glo Xbox Orange Apple Jio Google Play T-Mobile DStv Claro Fortnite Etisalat Roblox Globe Nintendo Digicel Amazon MTN Netflix Airtel Steam Vodafone Spotify Safaricom PlayStation Glo Xbox Orange Apple Jio Google Play T-Mobile DStv Claro Fortnite Etisalat Roblox Globe Nintendo Digicel
Razer Gold Ooredoo iTunes Telcel Uber Turkcell Nike Zain Airbnb 9mobile eBay Movistar GOtv Telenor Discord Telkom Twitch Econet Hulu Grameenphone Crunchyroll STC EA Play Three Razer Gold Ooredoo iTunes Telcel Uber Turkcell Nike Zain Airbnb 9mobile eBay Movistar GOtv Telenor Discord Telkom Twitch Econet Hulu Grameenphone Crunchyroll STC EA Play Three
How it works

Three steps. No sign-up required.

1

Open the Bot

Start a chat with @toppa402Bot on Telegram. A crypto wallet is created for you instantly.

2

Say What You Need

Type a message or send a voice note — "Send $5 airtime to my brother" or "Buy a Netflix gift card." Just talk naturally.

3

Confirm & Done

Review the order, confirm payment in cUSD. Toppa handles everything else.

Autonomous

Not a chatbot.
A personal agent.

Toppa doesn't just respond to commands — it thinks, remembers, and acts on your behalf.

  • ✓
    Remembers EverythingYour contacts, preferences, payment history — saved across sessions.
  • ✓
    Proactive AlertsReminds you when bills are due, spots promotions, suggests recurring payments.
  • ✓
    Scheduled Payments"Send airtime every Friday at 5pm" — set it once, Toppa handles the rest.
  • ✓
    Voice InputSend a voice note on Telegram — Toppa transcribes and acts on it instantly.
  • ✓
    MultilingualEnglish, French, Yoruba, Swahili — Toppa responds in your language.
// Heartbeat engine — checks every 15 min

User goals:
  1. [contact] Sister's number: +234...
  2. [recurring] DStv bill on the 15th
  3. [preference] Always MTN, local currency

Decision: shouldMessage: true
  priority: HIGH
  reason: "DStv bill due in 2 days"

→ "Hey! Your DStv subscription renews
  in 2 days. Want me to pay it now?"
Office Squad 8 members · 12.40 cUSD
Amara buy a $10 Netflix gift card for movie night
Netflix USA
$10.00 gift card
10.25 cUSD from group wallet
Should we buy this?
Yes — 6 votes
No — 2 votes
✓ Approved · 75% threshold reached
✓ Netflix $10 gift card purchased!
Code: NFLX-8K2M-R4P1 · Group balance: 2.15 cUSD
Group Wallets

Pool money together.
Spend with a vote.

Enable a shared wallet in any Telegram or WhatsApp group. Members contribute cUSD, and every spend goes through a democratic poll. No single person controls the money.

  • ✓
    Democratic PollsEvery purchase needs group approval. Configurable threshold (default 70%). Native Telegram and WhatsApp polls.
  • ✓
    Contribute & TrackMembers contribute from their personal wallet. Everyone gets a private DM with deduction details.
  • ✓
    Admin ControlsAdmins can bypass polls for urgent purchases, configure poll expiry, export group wallet keys, and withdraw funds.
  • ✓
    Group ReportsGenerate PDF or Excel statements of all group transactions. Full transparency for every member.
Real examples

Just say what you need

Toppa handles complex requests in plain language. Here's what real users say.

"Send my brother 500 naira airtime, pay mom's DStv bill, and buy me a $25 Steam gift card"
3 operations Toppa parses this into three parallel tool calls — detects MTN Nigeria, finds the DStv biller, searches Steam gift cards — and creates all three order confirmations in a single turn.
"Set up weekly airtime for my wife every Friday — 1000 naira to her MTN line"
Recurring Creates a scheduled task that runs every Friday. The heartbeat engine checks every 15 minutes and auto-sends when it's due. Retry with backoff if delivery fails.
"Everyone pitch in 5 cUSD for the office WiFi bill this month"
Group wallet Posted in a group chat. Members contribute from their personal wallets. When someone says "pay the bill," a poll goes out. Once 70% approve, Toppa pays the ISP directly.
Voice note: "Buy a 2GB data bundle for this number 0802..."
Voice Transcribed via Deepgram in under a second. Toppa detects the operator from the number, finds the best 2GB plan, and creates the order confirmation. Works in English, French, Yoruba, Swahili.
"Swap all my CELO and USDC to cUSD"
Uniswap V3 Routes through the Uniswap Trading API for the best rate. Falls back to direct SwapRouter02 if the API rejects the quote. Shows a before/after breakdown of all balances.
"Give me a report of everything I've spent this month"
Reports Generates a PDF or Excel file with every transaction — airtime, data, bills, gift cards, swaps, group contributions. Delivered as a document right in the chat.
Protocol

Powered by x402 on Celo

Toppa uses the x402 HTTP payment protocol on the Celo blockchain. No API keys, no subscriptions — just pay per request with cUSD.

x402 HTTP Payment Protocol

The x402 protocol turns HTTP 402 into a machine-readable payment flow. Any agent or app can call Toppa's API — payment happens inline with a single cUSD transaction on Celo. No sign-up, no API keys.

1
Request Agent calls the API
2
402 Response Server returns price
3
Pay cUSD On-chain via Celo
4
Delivered Result returned

Celo Blockchain

Fast finality (~5s), sub-cent gas fees, mobile-first. cUSD stablecoin means no price volatility.

ERC-8004 Identity

On-chain agent registration with verifiable reputation. Agent #1870 on the Celo registry.

No API Keys

No accounts, no OAuth, no rate limits. Your wallet is your identity. Pay and go.

Developers

Built for agents & developers

Integrate Toppa into your own agents, apps, and workflows.

MCP

Model Context Protocol

14 tools available via Streamable HTTP. Connect any MCP-compatible client directly.

POST api.toppa.cc/mcp
A2A

Agent-to-Agent Protocol

Google's A2A standard. Send tasks to Toppa from other agents via JSON-RPC.

POST api.toppa.cc/a2a
x402

Pay-Per-Use API

REST endpoints with x402 payment headers. Pay in cUSD, no API keys needed.

POST api.toppa.cc/send-airtime
ERC-8004

On-Chain Identity

Registered agent on Celo with on-chain reputation tracking and verifiable identity.

GET api.toppa.cc/registration.json
Discovery

Free Discovery APIs

Browse operators, billers, gift cards, and promotions by country. No auth required.

GET api.toppa.cc/operators/NG
Self Protocol

ZK Identity Verification

Proof of humanity via passport NFC. Agent #48 on Celo Sepolia. Users verify to unlock $200/day limits.

POST api.toppa.cc/api/verify
Agent Card

Auto-Discovery

Standard agent card for automated discovery by other agents and platforms.

GET api.toppa.cc/.well-known/agent-card.json
Playground

Explore the API

Browse live data from Toppa's free discovery endpoints. No auth required.

GET https://api.toppa.cc/operators/NG
Response
Select an endpoint and click Send

Ready to try Toppa?

Open Telegram, send a message, and let Toppa handle the rest.

Open in Telegram →