One payment in. Your share lands in your own wallet.
Zoyn is built for platforms that pay operators and partners, and for merchants selling across borders. One payment link takes the money; once the network confirms it, your share arrives in a wallet you control, in USDC by default. If your customer pays by card or bank transfer, the company that takes that payment sets what they can pay with and any holds, reserves, disputes, fees, limits or delays on that side — not us.
How a payment settles.
One link takes the payment
Your customer opens a fixed-amount payment link and pays on a secure hosted checkout — by card in the countries listed on our Markets page, or from their own crypto wallet. Card-funded payments are handled upstream by the checkout network's regulated partners, so you never touch card data.
A contract routes it at settlement
An on-chain settlement contract carries proportions fixed when it is deployed: your share and the platform fee. Every payment follows them exactly, with no lump sum sitting anywhere in between.
Your share lands in your own wallet
The money goes directly to a wallet you control — no intermediary balance, no holding account. Zoyn is not in the path of funds and never holds them.
Settlement you can verify
Every payment settles on Base, so each settlement — and each split — is publicly verifiable on-chain. The dashboard tracks every payment, with CSV export for your books.
Pick the shape of your business.
Looking for something narrower?
These pages describe two business shapes end to end. If you want the story for your role, your industry, or your country instead, those live on their own pages.
Zoyn is a non-custodial software platform — not a payment processor, payment gateway, money transmitter, or merchant of record. Funds settle on-chain directly to wallets the recipients nominate after required confirmations; Zoyn does not custody those settled funds. Checkout and on-ramp providers operate under their own terms before settlement.
See where your business fits.
Apply in minutes. We screen every application and agree your fee with you in writing before you go live.