What Is A Payment Handle And Why It Matters

Most people can remember a username but not a bank account number

Think about how people communicate online today.

Most people know:

Very few people know:

Yet traditional payments still depend heavily on these identifiers.

This is why payment handles are becoming increasingly important.

A payment handle is a simple identifier that allows users to send or receive payments without sharing complex banking information.

Instead of remembering:

users can share a simple identity.

Examples around the world include:

The concept is simple.

A person remembers a name far more easily than a string of financial details.

“Payment handles simplify the connection between identity and payments.”

Modern commerce increasingly happens online.

People receive payments through:

Sharing banking details repeatedly creates friction.

Payment handles reduce that friction by providing a simpler way to identify where a payment should go.

This is especially important for:

The internet runs on usernames. Payments are increasingly moving in the same direction.

Spondula introduces the S-Handle as a portable payment identity.