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Non-custodial payment infrastructure

Get paid in USDC.
Your wallet. Always.

Accept stablecoin payments with a simple link. Your buyers pay in their local currency — by card or crypto on a secure hosted checkout — and you settle in USDC, directly in a wallet only you control. No crypto knowledge needed.

64
Markets
0
Custodied funds
  • We never touch your money
  • One fee, agreed in writing
  • Customers pay by card or crypto
  • Settles in USDC
Why Zoyn

Built for merchants who want control

No intermediary wallets. No opaque fees. No lock-in. A clean rail between your store and your wallet.

Non-custodial by design

Every payment settles directly to your wallet. Zoyn never holds, touches, or controls your funds — not even for a second.

Set up in one session

Once your application is approved, connect your checkout partner account, set your payout wallet, and create your first payment link — all in one onboarding session.

Transparent, flat fee

One fee, set at onboarding, visible on every payment. No hidden spreads, no exchange markups, no monthly minimums.

  • No wallet custody
  • No refund liability
  • No Zoyn lock-in
  • 64 supported markets
  • Flat fee, no surprises

Your customers pay on a secure hosted checkout

VISA
Pay
Pay
SEPA
Bank Transfer
Crypto Wallet

VISA and Mastercard are registered trademarks of Visa Inc. and Mastercard International. Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. SEPA is a trademark of the European Payments Council. All marks are property of their respective owners and are displayed solely to indicate accepted payment methods on the hosted checkout. Payment method availability varies by buyer country.

Ready to accept USDC payments?

Applications are reviewed by a person, typically within one business day. You keep full control from day one.

Legal & regulatory disclosures

Zoyn is a software provider operating a non-custodial payment orchestration platform — not a payment gateway, money transmitter, payment processor, or financial institution. Zoyn never takes custody of funds, holds rolling reserves, or acts as a merchant of record or money services business. Payments settle directly into settlement contracts the merchant controls.

Direct merchant account onboarding supported across 64 verified global jurisdictions; merchant onboarding is not currently available in the US states of NY, LA, or CA. Global buyer checkout (USDC settlement) supported across 130+ countries via integrated on-ramp bridges; buyer-checkout coverage is determined by the third-party on-ramp providers, not by Zoyn, and may change without notice. Not available in sanctioned jurisdictions: CU, IR, KP, and the Crimea, Donetsk, and Luhansk regions of Ukraine.

© 2026 Zoyn. All rights reserved.