Sell across borders. Settle like it's local.
Cross-border payments usually mean wires, correspondent banks, currency spreads, and days of waiting. With Zoyn, provider-supported payment methods can route to USDC settlement on Base after required confirmations. Provider availability, limits, fees, holds, disputes, and processing times vary.
What cross-border settlement looks like without the banking hop.
One dollar stablecoin
Payments settle as USDC by default — a dollar-denominated stablecoin on Base. A customer three time zones away and a customer down the street show up in your books the same way, with one settlement currency per link instead of a column of currencies.
No correspondent chain
A cross-border card payout or wire routes through intermediary banks, each adding time and cost. After required confirmations, an on-chain transfer does not use a correspondent-bank chain; checkout and on-ramp provider processing or holds may still apply before that point.
Direct to a wallet you control
Payments land in a wallet you control — not in an account we hold for you. Once the network confirms a payment, that money is yours. If you keep that wallet yourself, in your own wallet app or on your own device, we hold no key that could move it. If your customer pays by card or bank transfer, the company that takes that payment holds it first, on their own terms.
Familiar checkout for your buyers
Your customer opens a payment link and uses the methods the checkout provider makes available for their country and verification level. Card, bank, and wallet availability, limits, fees, holds, disputes, and processing times remain provider-dependent.
Money going out crosses borders the same way.
Getting paid is half of a global business; paying partners, suppliers, and your own people is the other half. Both run on the same rails here.
Once the network confirms a payment, that money is in a wallet you control. Paying an overseas partner or supplier is a USDC transfer you send from your own wallet — how long it takes depends on how busy the network is.
Paying your own people and partners stays entirely in your hands — transfers you send from your own wallet, on your own schedule. Zoyn is a payment-link platform and is not in that flow.
Every settlement and payout is publicly verifiable on Base, and the dashboard exports the full history to CSV for your accountant.
Where this works today — published, not implied.
Buyer coverage
Card payments are available wherever the payment network’s onramp providers can serve buyers, and coverage grows as those providers open new markets. Crypto wallet payments remain subject to network, compliance, and product availability. The live per-country list — payment options, limits, and settlement assets — is always on the Markets page.
Merchant coverage
We cannot onboard merchants operating from comprehensively sanctioned jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. We do not hold ourselves out as licensed anywhere.
Any conversion between a buyer’s card currency and stablecoins happens upstream with the checkout network’s regulated partners — Zoyn itself holds no funds, performs no currency conversion, and operates no exchange.
Selling abroad as a freelancer or a single storefront rather than at platform scale? The international-business use case walks through that day-to-day.
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.
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