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Who can read my chats?

Only you and the other wallet. Chats are end-to-end encrypted, and Morsel cannot read them.

Updated October 5, 2026

Chats in Morsel are wallet-to-wallet messages, end-to-end encrypted. Only you and the other wallet can read them. Morsel stores them encrypted and cannot read them.

  • Notification previews are decrypted on your phone, not on our servers.
  • You can send money and payment requests right in a chat. The payment itself is a normal on-chain transaction, and it is public like any other.