How does ZyndPay work?

For a business: connect a sale to its payment

Create a payment link or connect hosted checkout or the API to your store. Add your order reference so your team can identify the payment. Your customer chooses from the methods enabled for that payment.

For example, a shop can share a link for an order and use the same order reference to track whether payment is pending, confirmed or unsuccessful. Check the confirmed result before delivering the order.

Follow the payment and the funds separately

Your dashboard shows payment activity and balances. A payment confirmation and funds becoming available for withdrawal are separate steps. Check the status and any applicable hold before planning a payout.

If a result is delayed, keep the original reference and check its status. Do not create a second payment simply because the first confirmation has not arrived.

For an individual: start in Wallet

Use Wallet to view balances, send money to another ZyndPay user and share a payment request. The app shows the funding, conversion and withdrawal options offered to your account.

Wallet is custodial: ZyndPay maintains the account balance and controls the custody system. It is not a bank deposit or a wallet for which you hold a seed phrase. Stablecoins carry issuer, price, network and liquidity risks.

For a P2P trade: pay, verify, then release

When a P2P order opens, the seller’s stablecoins are reserved for the trade. The buyer pays using the recipient details and method shown in the order.

The seller checks receipt in their own payment account before releasing the stablecoins. A screenshot or a paid status is not proof of receipt. Use the order’s dispute process if there is a disagreement. The hold reduces some risks without eliminating them.

Check the details before confirming

Check the recipient, currency or asset, network where applicable, exchange rate, fees and amount to receive. Follow the current instructions shown to your account.

Service availability depends on your country, verification and enabled methods. Test access does not grant permission to process real business payments.

FAQ

Does ZyndPay put every money movement on a blockchain?

No. Merchant and consumer economic state is recorded in ZyndPay’s ledger. P2P escrow is an internal custodial reservation; blockchain interaction is used only where the enabled external flow requires it.

Who controls the consumer wallet keys?

ZyndPay controls on-chain key operations for the custodial consumer wallet. Users authorize actions through their accounts rather than holding a ZyndPay seed phrase.

How does P2P escrow protect an order?

The seller’s crypto is reserved in the custodial ledger during the trade, so it cannot be spent elsewhere. Release follows verified receipt and the order or dispute process.

When is a payout complete?

Only when the destination rail reaches its terminal completed state. Accepted, approved and processing are earlier states and must not be presented as delivery.