The wallet
A multi-currency wallet, stable dollars included — deposits, withdrawals, conversion and savings in one place.
Discover the walletMoney in.Money out.One ledger.
Collect payments, hold stable dollars, trade P2P — three products on one ledger.
System stateledger: balancedescrow: activesettlement: < 2snetworks: 5USDT · USDC
3acceptance rails — mobile money, card, crypto
2stablecoins — USDT · USDC
5networks, one balance
0fees on internal transfers
Every outflow of funds is verified before it leaves.
One platform, three faces
Three products. One ledger watching them all.
A stable-dollar wallet, a P2P market, payment collection — three faces of one book of accounts.
01
The wallet
A multi-currency wallet, stable dollars included — deposits, withdrawals, conversion and savings in one place.
Discover the walletWallet — one balance, multiple currencies
AvailableUSDT · USDC
845.50USDT
Vaults
250.00 USDT
Tontines
3/6
mobile moneycardcrypto
02
P2P
Buy and sell USDT with other people, under instant escrow from the moment an order opens.
See escrow in actionP2P order — escrow active, timed window
SellerBuyer
Escrow
25.00 USDT
escrow: active
escrow engaged · 25.00 USDTProof of payment
03
Payments & API
Accept mobile money, cards and crypto — settled to your own order reference.
Explore payment collectionMerchant dashboard — payments settled to the order
PaymentsPOST /v1/payins
order ref.
ORD-284125.00 USDTSettled
PLK-094760.00 USDTSettled
ORD-2842120.00 USDTPending
debit · 25.00 USDTcredit · 25.00 USDTΔ = 0
Follow the money
Every movement leaves two entries.
Real double entry: every movement posts a debit and a credit — always balanced, always visible in your history.
Payments
Accept everything. Settled to your reference.
Mobile money, cards, crypto — every payment is tracked and credited to the exact order, from checkout to settlement.
PaylinksCrypto settlementOutbound payments
Paylinks
A no-code payment link, with hosted checkout.
checkout.zyndpay.io/link/7f3kq2
order ref. · CMD-1042
125.00 USDT
- mobile money
- card
- crypto
l/7f3kq2
Paymentsorder ref.
- CMD-103984.00 USDTSettled
- CMD-1040210.50 USDTSettled
- CMD-1042125.00 USDTSettledPending
- CMD-104356.25 USDTPending
- CMD-1044310.00 USDTSettled
Payments API
Create payins tracked to your order reference, behind structured KYB verification.
POST /v1/payins
Idempotency-Key: 8f42-c1d7-a903
→ 201 · reference: CMD-1042
Crypto settlement
Get paid in USDT or USDC — final settlement, no chargebacks.
USDT · USDC✓
Outbound payments
Payouts to mobile money or on-chain — every outflow verified before it leaves.
→ mobile money→ on-chain
Typed refunds
Refunds with states and guardrails — not an email to support.
createdapprovedsettled
Live FX
Convert at live market rates — the rate you see is the rate applied.
Teams, roles & KYB
Multi-user accounts, invites, structured business verification, e-signed agreements.
KYB ✓
Merchant app
Payins, paylinks, payment requests and refunds — in your pocket.
iOSAndroid
Also in the platform:In-store QRInvoicingHosted PDF receiptsCard disputes handled as casesSub-merchantsCSV & PDF exportSubscriptions via Telegram
The wallet
Your money, in local currency and stable dollars.
A multi-currency wallet where every movement is recorded in double entry — and visible in your history, line by line.
Vaults
64%
320.00 / 500.00 USDT
38%
95.00 / 250.00 USDT
82%
205.00 / 250.00 USDT
Tontines
$300.00
6 × $50.00
Available
$1,254.20
≈ 1,254.45 USDT
USDT830.00$830.02
USDC424.20$424.18
USDT ⇄ USD
1 USDT ≈ $1.00021 USDT ≈ $1.0001
+120.00 USDT12:04
60.00 USDT10:32
−45.00 USDT09:12
Pay requests
+ $25.00
zyndpay.io/r/8f3a…
+200.00 USDT13:20
−40.00 USDT09:12
60.00 USDT08:47
+75.00 USDT08:31
−12.50 USDT08:02
+18.00 USDT07:44
Vaults
Locked sub-wallets with goals. Withdrawing takes your PIN — savings stay savings.
Tontines
Rotating savings circles: automatic round settlement, a pseudonymous private mode, explicit rules from the first round to the last.
The discipline of automatic settlement, between friends.
Conversion at the shown rate
Local currency ↔ USDT in one move — the rate you see is the rate you pay.
Crypto deposit
Your personal address — USDT and USDC credited automatically.
Pay requests
Request money from anyone with a sharable link.
Instant, free transfers
User to user, inside the platform, at no cost.
Mobile money & card deposit
Top up from your mobile money or your card.
Withdrawals
To mobile money or an external wallet — fees shown before you confirm.
QR pay
Scan to pay — merchant QR, in-store or between people.
PIN + biometrics
Every money action is locked by PIN, unlocked by your fingerprint.
Tiered KYC — your limits grow with youSecurity alerts — new device, brute-force lockoutfr / eniOS & Android — continuously updated
A balance is not a number. It is proof.
P2P marketplace
P2P, with an incorruptible referee: the ledger.
The seller’s crypto goes into escrow the instant an order opens — instantly, on the ledger — and is released only when payment is proven.
Block Trade for large amountsReputation & completion ratesAd conditionsVerified-name payment methodsProtection against third-party paymentsFees shown before every order
Networks
Two stable dollars. Five networks. One balance.
USDT on TRON, BNB Smart Chain and Ethereum. USDC on Polygon, Base and Ethereum. Deposit with the address we issue for that exact pair — the balance is the same whichever network it came in on.
USDT · USDC
TRONEthereumPolygonBaseBNB Smart Chain
The network changes. The balance doesn’t.
The trust layer
Security, by design.
No marketing vault: accounting principles, applied to every movement, across all three products.
Double entry, everywhere
Every movement is recorded in double entry — two entries, always balanced.
Compliance built in
KYC and KYB, sanctions screening and AML — built into the product, not bolted on.
Encrypted data
Your sensitive data is encrypted.
Controlled outflows
Multi-level controls on every outflow of funds.
The ledger, live
Three movements, as the ledger writes them.| Movement | Debit | Credit |
|---|---|---|
| payment received | 120.00 | 120.00 |
| conversion | 45.00 | 45.00 |
| withdrawalcompliance ✓ | 25.00 | 25.00 |
Δ = 0balanced — as always
Developers
An API that assumes the network fails.
Retry any call safely: idempotency isn’t an option, it’s the contract.
- zynd_test_* keys to integrate before going live
- An idempotency key on every money endpoint
- Signed webhooks, typed event catalog
- Realtime over SSE
- Server-to-server crypto payins — no redirect
- Documented rate limits, backoff built into the official patterns
POST /v1/payins
curl -X POST https://api.zyndpay.io/v1/payins \-H 'Authorization: Bearer zynd_test_…' \-H 'Idempotency-Key: order-1042-payin' \-d '{"amountMinor": 12000,"currency": "USD","reference": "order-1042"}'# 201 — the same envelope, every time{ "success": true, "data": { "status": "pending", "reference": "order-1042" } }
Signed webhook — every event is verifiable · One error envelope — success · error.code · error.message
Global reach
One balance. Four paths.
Mobile money, cards, crypto and P2P flow in and out of the same balance.
Mobile moneyCardsCryptoP2P
Mobile money
Deposits and withdrawals on mobile wallets, where they are the norm.
Cards
Card payments and balance top-ups.
Crypto
USDT and USDC on-chain — five networks, one stablecoin balance each.
P2P
Where no rail reaches, people settle with each other — under escrow.
Multiple currencies, one balanceFrench + English, everywhereSecurity: PIN, biometrics, 2FAiOS & Android, continuously updated
Pricing
Hidden fees are impossible.
Every fee is a ledger entry: it shows up in black and white, or it doesn’t exist.
In the app
- Internal transfers — free and instant
- P2P — 0% for advertisers, fees shown before every order
- Conversion — the shown rate is the paid rate
- Deposits & withdrawals — fees shown before you confirm
Payments & API
- Per-rail pricing, visible in your dashboard
- No monthly fee
- A clear contract after KYB verification
- Free test keys while you integrate
FAQ
The objections, head-on.
Is my money safe?
Your balance lives in a ZyndPay custodial wallet, backed by a double-entry ledger: every movement posts two balanced entries, visible in your history. Your sensitive data is encrypted, and every outflow of funds passes multi-level controls before it leaves. ZyndPay is not a bank — it’s a custodial wallet, and it says so.
What does it take to start collecting payments?
Structured KYB verification: your business registration and its representative’s identity, tracked in a dedicated review thread. While the review runs, you’re already integrating with zynd_test_* keys — no day lost.
What is withdrawing like?
You choose the rail — mobile money or an external wallet — fees are shown before you confirm, and you follow the withdrawal’s state in the app, from request to settlement. Every outflow is verified before it leaves: that’s the price of a platform where money never leaves by accident.
What about chargebacks?
On stablecoin rails, settlement is final: no chargebacks, no surprise reversal three months later. On cards, refunds are typed objects with states and guardrails — you refund cleanly before a dispute is born, and every dispute is handled as a case, not a lost email.
What if my P2P counterparty doesn’t pay?
They can’t run with the crypto: it’s in escrow inside the ledger from the moment the order opens. Payment windows are timed — no order stays open forever. If there’s a disagreement: response windows, escalation, human arbitration, then appeal. And third-party payments are not accepted.
Why trust an app with a tontine?
Because the ledger settles the rounds for you: every contribution is recorded, every settlement is automatic, and the rules are explicit from the first round to the last — nobody “holds the pot”. A pseudonymous private mode protects members’ identities.
Are you serious about compliance?
Compliance is built into the product: progressive tiered KYC for individuals, structured KYB for businesses, sanctions screening and AML across the platform. Your limits grow with your verification level — and it’s all visible in the app.
Which currencies, which cryptos, which networks?
Your local currency, plus stablecoins only — and each runs on its own networks: USDT on TRON, BNB Smart Chain and Ethereum; USDC on Polygon, Base and Ethereum. Always deposit using the address we issue for that exact stablecoin and network. The P2P marketplace settles in local currency, between verified-name payment methods — with new markets opening continuously.
One ledger. All your money.
Open the app, or plug in the API — both write to the same book.
Available in French and English, on iOS and Android.
© 2026 ZyndPay. All rights reserved.ZyndPay provides custodial wallets and payment services. ZyndPay is not a bank.