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We Provide Simplicity

Paying with digital GOLD-BACKED coins is simple for consumers

  • Marketplace With Videos
  • Aid Payroll System
  • Instant Transfers
  • Online Coin Bank
  • ATM Withdraws
  • Safe Coin Escrow

We link your phone number to your account and nothing else is required to transfer coins to others

We provide a simple Digital Gold Coin payment solution that works uses cell phone text messages to transfer digital gold coins using a simple text message. This patent-pending payment solution is targeted for users who typically pay with cash and want to buy items online, send funds worldwide to family, or pay bills without travel and paying with cash. In addition to leading the digital gold coin payment revolution, our platform also replaces the traditional and expensive money transfer services. For a small fee of only one percent on transfers, users can redeem coin transfers for local currency with any of our local agents located worldwide. Ecommerce websites can escape credit card chargebacks and pick up new customers who do not use credit cards. Another great advantage of paying with your phone (or using our website) is that it is the same as paying with cash in that all sales are final. We are "Telco-Agnostic" in that the system works on all phone networks worldwide by using simple SMS messages to transfer coins.

This Sovereign Indian Nation bank and is outside of the United States jurisdiction

All Digi-Gold coins are 100% backed by hard currency and may be redeemed for cash at anytime. This coins are a new form of currency issued in denominations of USD, EUR, Pound and are all backed by gold certificates. You may purchase these coins below and trade them worldwide with others.

Utilities and other public services can also start accepting payments from cell phones

Merchants also benefit from TxtCoinsNow by providing locals a place to spend coins and with the free listing in our merchant gallery even more new customers are sure to follow. By accepting digital gold payments with TxtCoinsNow, local merchants stay ahead of this latest major consumer trend and attract a whole new set of customers.

Charities no longer have the nightmare of managing and collecting cash from volunteers and workers

The organizations can receive donations 24/7 from anyone who has a cellphone, directly deposited into the organization’s bank account. After fundraising, TxtCoinsNow can also serve to track payroll and fund disbursements to the workers the charities contract with.

We also offer a cell phone / PRIVATE COIN based payroll system that safely delivers wages in rural areas from anywhere in the world using simple text messages. Bulk payments for payroll distribution, contractors, are all delivered directly to the end recipient, bypassing many hands and the corruption that comes with them.

Purchase Digi-Gold Coins Here

Pay with Bank account, Wire transfer, Credit card or PayPal

Amount and Recipient

Credit Card Details

Please enter your credit card details exactly as they appear on your card.

Bank Account

Where can I find it?
Where can I find it?

Bank Account Holder


You will continue to PayPal to enter your payment details.
You will have the opportunity to review your payment before it is completed.

Services Offered For Digital Gold Users

We make using coins mainstream for consumers

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ATM Instant Cash Out Phone PIN
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Buy Now Coin Button Use Coins Online
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Free Phone Coin Account Send Funds
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Worldwide Listing of Agents Marketplace

Coin Payroll Solution

Digital Gold Coins, Rewards Coins, Private Coins

We provide a one stop, cloud bank, for many types of coins

Crypto-Coin are unstable with wild fluctuations of value

  • Visit Nxtcoin Visit Bitcoin Visit Namecoin Visit Litecoin Visit Peercoin Visit Darkcoin Visit Dogecoin Visit Bitcoindark Visit BitSharesX Visit Nubits

Why would anyone use crypto coins that can lose their value overnight when you can use a stable, GOLD backed coin?

Different types of coins


Use Phone SMS, Website, Phone App, you decide

  • SMS coin transfers
  • Marketplace for coins
  • Coin phone application
  • Send a simple SMS to send funds worldwide

    Simple commands listing amount to send in local currency, " " and then phone number, user name or account #

  • Video Marketplace, account history, secure all your coins in one bank

    Our friendly consumer driven marketplace with video profiles for agents and merchants allow simple communication and understanding of services offered

  • Phone App for IPhone, Android, Windows Phone, BlackBerry

    Same interface as web but on a smaller scale allows users fast payments at retailers who accept coins and rewards

Our simple escrow protects our buyers and sellers

We escrow only the coins and NOT the items or payments for a 1% fee

1- The buyer and seller agree to amount, currency and duration of escrow

Users agree to escrow fee of 1% and terms at signup. Fee is removed from the coins held in escrow.

2- Coins are removed from user's account and placed in escrow until approval

The users agreed upon a payment method provided for the item or the purchase of coins. Payments and deliveries are made outside of our system and buyer and seller are notified of escrow with an SMS

3- Payments or deliveries are made outside of the system

Buyers and seller should save documentation for shipping or conformations for money transfers used for the purchase of coins.

4- Buyers or Seller confirms satisfaction by returning SMS code

System waits for the satisfaction code to be returned to release coins and subtracts a 1% fee from coins.

5- Transaction is now recognized as complete and escrow of coins is released

Coins are released to recipient when the correct authorization code is returned. Again, if the escrow duration expires an additional text message is sent to request release code. An additional 12 hours is allowed for authorization code before the transaction enters into arbitration forcing human intervention.

We provide unlimited arbitration over the phone or email to resolve all disputes within 24 hours and will return or release coins promptly.

We remove all of the risk from making payments with coins

Simple safe Coin Escrow

  • It's to late to realize that you should have used escrow when your coins are gone.

    -Frustrated buyer-
  • We now have a steady stream of new customers paying with coins almost every day.

    -Happy Merchant-
  • I just sent my father 1400 Euros in coins using my cell phone and he understood how to spend them!

    -Amazed Loving Daughter-
  • Sign up was automatic after receiving coins from my brother. Seconds later, I used some coins to pay online for a new pair of shoes.

    -New Online Shopper-

Payroll system for rural areas using cell phones

A new way to end the corruption involved with payroll and payment distributions

  • 3rd world payment solutions
  • Amraf Aid Payrolls
  • Native American Aid payments with cell phone
  • World Bank Aid

Problem: Massive Corruption When Distributing Aid Payroll

More than 400 Million dollars each year is lost from theft of funds targeted to help the impoverished. We offer a turn-key solution for cell phone bulk payments that transparently secures funds allocated for aid, construction projects, worker’s wages and micro-loans. This new payroll system while it secures all payments with tokens-coins, it also transparently adapts to an organizations current payment process. In addition to making sure workers and contractors get paid on time and in full, it greatly reduces the work for administration and distribution of payments for all Aid projects.

Pay With Coins And Cellphones In Place Of Cash

This simple solution ends skimming, reduces theft, and detects the presents of ghost employees by removing the risk involved with paper money passing through multiple hands. Cell phone coins make instant payments and are only redeemed for cash at banks or agents approved by the funding agency.

Auto-Scales as User Demand Increases

This world-class system supports nine world currencies, 34 Languages, is cloud based, closed loop and completely secure. Users can pay for goods and services locally and the cell phone account doubles as a bank savings account for the unbanked populations. System is “Telco-Agnostic” in that our system works on all phone networks worldwide by using simple SMS messages to transfer coins.

Payroll Can Be Administrated Directly By Aid Organizations

Payroll with cell phones

No Middlemen Are Introduced Into Your Payment Process

Coins are used and your current payment process stays exactly the same Except that payments are issued AFTER the return of coins to funders account. The system generates wire transfer reports for accounting as the coins returned by banks and agents with bank accounts.

Some of Our Team

Reach out to us with your ideas and comments

Accepting digital gold coins is now easier than accepting cash

Customers purchase, transfer, trade using Digi-Gold coins and a cell phone

TxtCoinsNow automatically converts the purchase amount into the amount of coins required each transaction so insert the amount and wait for customer to approve transaction with phone call or text message. Unlike credit cards and PayPal transactions, all sales are final with TxtCoinsNow so no more chargebacks after the goods have been shipped.

Merchants can now accept payment at retail locations over the counter because unlike typical crypto-coin purchases where everyone needs to wait for the block chain to resolve, TxtCoinsNow digital gold transactions are instantaneously transferred between users with no wait. Payments are simple, quick and same as cash can never be revoked.
No more calculator, looking up conversion rates and determining coin values to accept a payment.

Look at our merchant API and start taking digital gold coins on your website

Short Attention Span? Then Watch This Video

Take three minutes to understand what we do

Pricing for Our Services

We securely move coins from party A to party B

Digi-Gold coins

1% per trans
  • Free Account
  • Free Marketplace
  • SMS transfers

Rewards Coins

Pennies per load
  • No Ongoing Cost
  • Reward Marketplace
  • Confidential

Coin Escrow

1% per trans
  • Automated
  • Mediation
  • SMS Released

Private Coins

Price per quote
  • Supported
  • Worldwide
  • Confidential

Use your cell phone to send funds instantly

Simple text message commands work with all types of phones

Text Message Commands


Commands that are used to send coins to others. Processing fees apply for transfers @ 1% / Escrow @ 1% / Retailers @ 1%. Placing a "-" in front the currency amount is requesting funds from that phone number and they will be prompted to approve the transfer. This means that users can send or request funds from other users with user# if user does not want to share their phone number.

Local Transfers

amount (space) Phone# is how to send funds to others

"41.04 8187735546" = Sends 41.04 Dollars to 8187735546

"-341.45 3052234462" = Will request 341.45 dollars from 3052234462

International Transfers

Add a "+" and country code in front of the local number

"512 +44839333202" = Sends 512 Dollars to 839333202, code of 44(UK)

"673.12 +418983646600" = Sends 673.12 Euros to 839333202, code of 41 (Switzerland)

External Coin Transfers

“OUT 320.12” – This will move coins equal to $320.12 from our bank to your default external wallet

“IN 502” – This will load COINS from your default external wallet into your TxtCoinsNow bank account

“5200 NXT-U38J-46EQ-M2V7-35CL2” – This will transfer $5200 (user’s default currency) in NXT coins to wallet NXT-U38J-46EQ-M2V7-35CL2 into from the user’s TxtCoinsNow account

“-8400 NXT-U38J-77EQ-M2V7-99CL2” – This will request 8400€ (user’s default currency in NXT coins FROM wallet NXT-U38J-77EQ-M2V7-99CL2 into the user’s TxtCoinsNow account

Addtional SMS Commands

"bal" = balance of coin types, amount of coins and total value in your local currency

"hist" = Displays the last three transactions

"no$" = Return the LAST payment received to the sender

"*e" = escrow is enforced for the transaction. 380 2484841121*e These transaction will hold COINS, not the local currency amount, for approval from buyer and will incur an additional 1% fee.

"#" = used to send a note attachment with payment. 170 8185551212#For Invoice 3526 for 2 tires and wheel alignment

"nc" = No Call for conformation of transfers. User will now need to verify with SMS code. (default)

"yc" = Yes Call for requesting the user enter your PIN is required for ALL transfers.

"whois XXXXXXXXXX" = Account Number and Nickname - if you send the phone or account number you will receive funds ,whois 9545018625 -> returns "Thomas Jones", whois 8003324454 -> returns "March of Dimes"

"co NXT" = will set the DEFAULT currency to NXT coin. This will transfer and set default to NXT Coins. This coin type will ALWAYS be announced in phone call PIN request to approve transfer.

"cu USD" = (3 letter code*) Sets the default currency. "23 8183328232" = in the $23 USD transferred to account 8183328232 "cur GPB" changes your default currency to POUNDS

"lang fr" = (2 letter code**) Sets the language be used for all incoming SMS messages regardless.

"help" = List of commands is returned

"setpin" = System will call and prompt you to create a new pin # and to record your voice.



Send Coins Step By Step

  • Cyrpto coin wallet
  • Cyrpto coin wallet for newbees
  • Multiple Cyrpto coin wallet
  • Cyrpto coin bank
  • 1% Cyrpto coin wallet
  • Free Cyrpto coin wallet
  • Free Cyrpto coin wallet
  • Free Cyrpto coin wallet

Local Text Message Numbers SMS

Location Number Language
United States + Phone & WhatsApp +19543206484 English
United States +14158150169 Spanish
Australia +61418414380 English
South Africa +27872405097 English
Switzerland +41798070047 French
Russian Federation +79023501879 Russian
United Kingdom +447860041141 English
Mexico +525549998386 Spanish
Germany +491771784371 German
Canada +12042899533 English
Italy +393202041707 Italian
WhatsApp to send Coins - Is also supported to provide coin transfers worldwide

ar->arabic, bg->bulgarian, ca->catalan, zh-chs->chinese simplified, zh-cht->chinese traditional, cs->czech, da->danish, nl->dutch, en->english, et->estonian, fi->finnish, fr->french, de->german, el->greek, ht->haitian creole, he->hebrew, hi->hindi, mww->hmong daw, hu->hungarian, id->indonesian, it->italian, ja->japanese, tlh->klingon, tlh-qaak->piqad, ko->korean, lv->latvian, lt->lithuanian, ms->malay, mt->maltese, no->norwegian, fa->persian, pl->polish, pt->portuguese, ro->romanian, ru->russian, sk->slovak, sl->slovenian, es->spanish, sv->swedish, th->thai, tr->turkish, uk->ukrainian, ur->urdu, vi->vietnamese, cy->welsh

NOTE: As an alternative to texting, you can call TxtCoinsNow at 954-320-6484 (in the USA) from your cell phone and select option 2 to receive a callback that will prompt you to send Coins or local currency.

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We are a real company located here in Florida, USA.