Real-time settlement on programmable rails

Pay anyone in Europe.
Instantly. For almost nothing.

Zenopay abstracts stablecoin settlement into a payment experience as simple as sending a text. Phone number. QR code. Done. No banking hours, no FX fees, no waiting.

<3s
Settlement time
~0%
Cross-border fees
24/7
Always on
How it works

Three seconds from send to settled

You see euros. The network handles everything else. Stablecoin rails settle instantly while fiat on/off-ramps keep your experience entirely in EUR.

01
Enter a phone number or scan a QR code
No IBANs, no routing numbers, no card details. Just the person you want to pay.
02
Stablecoin rails settle the payment
EUR is converted to a MiCA-compliant stablecoin, transferred on-chain, and converted back. Under the hood. You never see it.
03
Recipient gets euros. Instantly.
No pending status, no 3-5 business days, no "available by tomorrow." The money is there.
Why Zenopay

Legacy rails weren't built for this

SEPA is fast within borders. Cards are expensive. Wire transfers are slow. Zenopay is none of those things.

Settlement Cross-border Cost 24/7
SEPA Transfer 1-2 days EU only Free-ish ✗
Card Networks 2-3 days ✓ 1.5-3% ✓
Wero ~10 sec Limited Free ✓
Wise / Revolut Minutes-hours ✓ 0.4-1.5% Partial
Zenopay <3 seconds ✓ Near zero ✓
Built different

What the payment layer should have been

☎
Phone number payments
No IBANs, no wallet addresses, no card numbers. Pay anyone with their phone number. If they're not on Zenopay yet, they get an instant invite to claim their funds.
▢
QR merchant payments
Merchants generate a QR code. Customers scan and pay. Settlement hits the merchant's account in seconds, not days. No terminal hardware needed.
€
EUR-native experience
Users see euros. Send euros. Receive euros. The stablecoin settlement layer is completely invisible. No wallets, no gas fees, no seed phrases.
⚖
MiCA-compliant from day one
Built on regulated EUR stablecoins under the EU's MiCA framework. Full KYC/AML. Licensed settlement. This isn't crypto cowboy territory.

Europe deserves a payment network built for now, not patched from the past

Zenopay is building the layer between what users expect and what banks deliver. Instant. Borderless. Invisible infrastructure, visible results.