Altcoin Daily released a full walkthrough and hands-on tutorial showing Tomi, a mobile-first crypto super app that aims to merge instant messaging, multi-chain wallets, and creator monetization into a single experience. This article summarizes that walkthrough, highlights why many are calling Tomi the next big super app for crypto, and provides a practical guide for users and creators curious to try it out.
Why Tomi is being called a “super app”
Tomi (sometimes referred to in casual conversation as “Tommy”) is designed to solve a common pain point in crypto: the friction of switching between messaging apps, wallets, decentralized apps (dApps), and creator platforms. By combining secure chat, an on-device self-custodial wallet, multi-chain support, built-in payments, and creator monetization features, Tomi attempts to eliminate context switching and bring money into the flow of conversation.
At its core, Tomi focuses on three pillars:
- Chat + Pay: Send and receive crypto directly inside private chats and groups.
- Self-custodial multi-chain wallet: Native support for major chains (Ethereum, Bitcoin, Solana, and more) with swapping, sending, receiving, and NFT handling.
- Creator monetization: Paid channels, subscriptions, tips, and referral rewards to help creators monetize their communities.
First impressions and onboarding: quick, private, and minimal
Tomi’s onboarding is intentionally lightweight. Instead of asking for an email or phone number, the app asks the user to claim a username and set a passcode. Behind the scenes a multi-chain wallet is generated automatically. This design emphasizes privacy-first access: users can create accounts without sharing personally identifiable information.
Key onboarding takeaways:
- No email, no phone number—just a username to get started.
- A self-custodial wallet is provisioned automatically during setup.
- Users can choose a profile photo and configure a passcode in minutes.
Walkthrough highlights: navigation, wallets, and chat features
The app’s user interface closely resembles modern messenger layouts (think Telegram-style channels and groups) but with wallet controls embedded. The main elements covered in the walkthrough include:
- Wallet dashboard: A tidy list of assets, with easy access to swap, receive, send, and NFT tabs. Mini-apps let users interact with popular dApps and marketplaces—Uniswap, 1inch, PancakeSwap, OpenSea-style NFT integration, Magic Eden for Solana, and Tomi’s own ecosystem features.
- AI voice assistant: Tomi includes voice-driven commands to manage crypto tasks. Users can give natural language instructions like “send 500 USDT to John on Ethereum,” and the AI assistant will handle the steps. The AI also helps prevent errors by providing context-aware confirmations.
- Multi-profile support: One device can host multiple profiles (wallets) without logging in and out. Switching between profiles provides different receiving addresses and identities while keeping convenience intact.
- In-chat transactions: In one-on-one chats or groups, users can send gifts, payments, NFTs, or request funds natively. Transactions are executed on-chain, so users must hold the asset and sufficient gas fees for the chosen network.
Creating channels and monetized groups
Tomi enables creators to build communities with monetization built into the platform. The walkthrough showed how simple it is to create a channel or group and configure access and pricing:
- Choose create channel or create group from the UI.
- Set channel visibility: public, private, or premium.
- Configure subscription tiers or one-time fees (for example, a $1 subscription tier was demonstrated).
- Share invite links to grow the community—new users only need to install Tomi and claim a username to join.
This model makes it very straightforward for creators to monetize direct engagement with fans: pay-to-enter channels, tipping in chat, and pay-to-reveal media are native features, and the sign-up friction for fans is low.
Monetization and incentive model: how creators earn
Tomi’s monetization mechanics are explicitly designed to reward creators and community builders. The high-level structure shown in the walkthrough includes:
- Platform fee: Tomi charges a 15% fee on monetized actions like subscriptions and tips.
- Tokenomics: Half of that fee is burned (reducing supply); the other half goes to the ecosystem or platform.
- Referral rewards: Tomi pays referral commissions across three levels. If someone joins via a creator’s invite link, the creator receives 50% of the referral share and can earn additional rewards if referrals refer others.
For creators, the message is clear: set up a channel, share your invite link, and you can start earning referral rewards immediately. The system encourages organic growth by rewarding those who bring new users to the platform.
AI integration: voice controls and error prevention
A differentiator for Tomi is its embedded AI. AI is used not only for voice commands (manage your wallet, send crypto, swap tokens) but also for safety: context-aware confirmations and error prevention reduce the risk of sending the wrong token or using the wrong network. This is especially useful on mobile where mistakes can be costly.
The AI assistant simplifies typical wallet flows and attempts to abstract complexity—making tasks like “swap” or “send” nearly frictionless for less technical users.
Security and privacy: self-custody and identity control
Tomi emphasizes privacy by requiring minimal personal information. Users can switch between public, private, or anonymous profiles and manage multiple profiles within one app. Tomi is self-custodial, meaning private keys are controlled by the user rather than a centralized custodian.
Important security notes for users:
- Self-custody implies responsibility: users must securely back up seed phrases or private keys. Losing access to the keys means losing access to assets.
- Because transactions are on-chain, users must hold sufficient gas to complete transfers.
- Privacy features reduce required PII (personal identifiable information) during signup, but users should still follow best practices for securing devices and backups.
How Tomi compares to MetaMask, Phantom, and other wallets
MetaMask and Phantom are excellent wallet apps focused primarily on wallet functionality and dApp interaction. Tomi’s ambition is broader: it tries to be a super app where messaging and social features are as central as the wallet. This has several implications:
- Unified experience: Instead of hopping between Messenger/Telegram and a wallet, Tomi keeps messages, groups, and crypto operations in a single interface.
- Creator-first tools: Native monetization (paid channels, tipping, subscriptions) is built into the social layer, whereas most wallets lack this social and monetization layer.
- AI features: Voice-driven wallet operations and context-aware AI are distinguishing features that many standard wallets don’t offer yet.
That said, Tomi is still early-stage compared to established wallets and wallets integrated into browser ecosystems. Users who require advanced dApp interactions or desktop browser plugins may still rely on specialized wallets for those use cases.
Limitations and things to watch
Tomi has a lot of promise but also a few realistic limitations and open questions:
- Early ecosystem: The user base and integrated apps are still growing. Some desired communities or dApps may not be present yet.
- On-chain realities: All payments are on-chain, so users must be mindful of transaction costs, network congestion, and token approvals.
- Regulatory and business model risks: Monetization and referral mechanics are subject to change as the platform scales and faces regulatory scrutiny.
- Security trade-offs: Convenience features like voice commands are great for usability but require careful implementation to avoid accidental transfers. The AI-based error prevention is useful but users should still verify transaction details manually for large transfers.
Roadmap and what’s next
The Tomi team has signaled a roadmap that includes decentralized DNS, Tomi Access, a growing suite of mini-apps, and governance via a DAO. If those elements arrive as planned, Tomi could become more decentralized and open while expanding the set of features creators and users rely on.
Who should try Tomi?
Tomi will appeal to several groups:
- Creators and community builders who want frictionless monetization and a unified space for fans to interact and pay.
- Casual crypto users who prefer a simple, privacy-first onboarding without email or phone verification.
- Mobile-first users who want wallet operations embedded in their messaging experience and who value voice-driven interactions.
- Early web3 testers who want to experiment with integrated dApps, NFT marketplaces, and referral economics rather than trading tokens speculatively.
How to get started: practical steps
- Download Tomi from your mobile app store.
- Claim a username (this is your identity—claim it early).
- Set a passcode and back up any seed phrase or recovery details provided—store them offline if possible.
- Explore the wallet dashboard to view tokens, NFTs, and mini-apps.
- Create a channel or group if you’re a creator, set access controls or subscription tiers, and share invite links.
- Try a small on-chain transaction inside chat to experience native payments—remember to hold enough gas for the network.
Conclusion: is Tomi the next super app?
Tomi brings together private messaging, multi-chain payments, and creator monetization into a single mobile-first experience. The app’s focus on privacy, self-custody, multi-profile support, AI-driven features, and native monetization sets it apart from traditional wallets and messenger apps. While the ecosystem is still early and adoption will determine how quickly it grows, Tomi is worth watching—and testing—if you’re interested in a new approach to combining money and conversations in Web3.
Tomi — where money chats.
For creators and community builders looking to stop bouncing between apps and to start monetizing directly inside their communities, Tomi may represent an important step forward. For everyday crypto users, it offers convenience and privacy without sacrificing on-chain control. As with any self-custodial product, users should prioritize secure backups and start with small transactions until they fully understand the app’s flows.