Payments should land in your pocket, not ours.
Zoyn exists because accepting digital dollars shouldn't require crypto expertise — and shouldn't require handing your money to yet another middleman. We build the software; the money goes straight to you.
The problem we couldn’t ignore.
Digital dollars like USDC settle in moments, work across borders, and can be verified by anyone. But for a normal business, using them has meant one of two bad options: become a crypto expert, or hand your money to an intermediary and hope it comes back out.
Zoyn is the third option. We build the software layer — payment links, a clean dashboard, team access, exports — while the money itself moves directly from your customer to a wallet you control. Your customers pay by card in the countries listed on our Markets page, or crypto, on a secure hosted checkout. If your customer pays by card or bank transfer, the company that takes that payment handles it first, under its own rules. Once the network confirms it, the money arrives in your wallet — and you never run anything crypto yourself.
Three principles we don’t bend.
Never hold the money
Most payment companies sit between you and your money. We decided not to. Payments settle directly from your customer to a wallet you control. You should not have to trust your payment layer with your balance.
Say only what is true
Our pricing page shows the real fee model, our Markets page lists where we actually operate, and our status page reads live system health — not a curated uptime badge. Where we have limits, we publish them.
Grow deliberately
We screen every merchant application, open new countries only after legal review, and keep a public list of the industries we support. We publish the boundaries so you can check whether Zoyn fits your business before you apply.
What Zoyn is — and what it isn’t.
- A software platform that lets your business accept USDC through simple payment links.
- A dashboard for tracking, reconciling, and exporting your payment history.
- The wiring in between — we connect the checkout your customer pays on to the contract that sends your share to your own wallet, using specialists for each part.
- A bank, money transmitter, or payment processor — we never hold your funds.
- A wallet provider — your wallet, and your money, stay yours.
- A place where customer card numbers live — cards are handled by the checkout network's regulated partners.
The formal versions of these statements live in our legal documents.
A person answers.
Questions about whether Zoyn fits your business, your country, or your industry get a direct answer from our team — not an auto-responder. Reach us through the contact page.
Build on a platform that never holds your money.
The application works the same way as everything above — no black box. It takes minutes, we screen it against our published requirements, and we agree your fee with you in writing before you go live.