The Companion app shows your live numbers. Redemption rates and minimums are configured by us and can change. Your balances, the current rates and the status of every payout are always visible in the app; the figures here are the rates in effect at the date above.

1. The two balances

Coins to redeem. Earned from the conversations and calls you take, at the companion per-message and per-minute rates shown in the app. Credited as the conversation is billed.
Hearts to redeem. Credited when a user chooses to send you a heart. A heart lands in your balance the moment it is sent — see pricing, coins & hearts for the full mechanics.

Both are earnings balances, not points. Neither expires while your account is active.

2. Redemption rates

Coins — redeemed at the companion coin redemption rate, currently ₹1.00 per coin.
Hearts — redeemed at the heart redemption rate, currently ₹0.50 per heart.

A rate change is announced in the Companion app before it takes effect and never applies retrospectively to a payout already recorded.

3. Minimums

At least 100 coins to redeem a coin balance.
At least 10 hearts to redeem a heart balance.

Below the minimum the balance simply stays in your account and keeps growing. If you are leaving Amigify with a balance under the minimum, email payouts@amigify.com and we will pay it out.

4. How to request a payout

Add your bank account in the Companion app. Indian accounts need the account number, holder name and IFSC; Nepali accounts need the SWIFT code and branch. The name on the account must match your verified identity.
Tap Redeem on your profile once you are above the minimum. This raises a redeem request covering your available balances.
We record and process the payout against your bank details, redeeming hearts first and then coins for the remainder of the amount.
Your balances go down and the payout appears in payout history, with its status and every status change logged.

5. Timing

Payouts run on a monthly cycle. A request made during a cycle is settled in that cycle's run, and bank transfers typically land within 5–10 business days of being initiated. Bank holidays, an IFSC or SWIFT mismatch, or a name that does not match the account will delay it.

6. Payout statuses

Requested — you have asked; we have not sent money yet.
Initiated — the transfer has been sent to the bank.
Completed — the money has left us and your balance is settled.
Bank issue — the transfer failed, usually wrong or mismatched bank details. Fix them in the app and we will retry.
On hold — paused pending a check. We will tell you why.
Canceled — the payout will not proceed; any balance it covered returns to your account.

7. Currency and bank charges

Payouts are made in INR to Indian bank accounts, and in NPR to Nepali bank accounts using the conversion rate applied at the time the payout is recorded.

Bank charges may apply, and they come out of the payout. Transfer fees, intermediary or correspondent bank fees on an international payment, and any fee your own bank charges for receiving money are deducted from the amount that reaches your account. These charges are set by the banks, not by us, and we do not receive any part of them — so the amount credited to your account can be slightly lower than the payout amount shown in the app. Currency conversion on a cross-border transfer is done at your bank's rate and may cost you a further spread.

8. Tax

You are an independent contractor and responsible for declaring and paying your own tax. We keep transaction records as tax law requires, may withhold or report amounts where we are legally obliged to, and may ask for tax details before releasing a payout.

9. Holds, deductions and disputes

We may hold a payout while a safety investigation, a fraud check or a chargeback involving your conversations is open. Earnings not connected to the issue are still paid.
Earnings from activity found to be fraudulent — self-dealing, fake accounts, padded calls, soliciting hearts — can be reversed.
If you think a payout is wrong, email payouts@amigify.com within 60 days with the payout ID from your history. We respond within 5 business days.

10. Leaving

Deleting your companion account does not forfeit money you have earned. Request your payout before you delete the account where you can; if you have already deleted it, email payouts@amigify.com from your registered address and we will settle what is owed.

Payout Policy