Agentic
Payment
Router
Send money to anyone worldwide in seconds. Your AI agents transact 24/7 on your behalf, with sub cent fees and zero friction.
Trusted by builders, traders & enterprises worldwide
See itin action.
Not a mockup. Not a prototype. A fully deployed product running live on Stellar Mainnet. Explore key features below.
Your Financial Command Centre
Real-time balance, live transaction feed, and quick actions in one unified view. Built for speed, designed for clarity.
QuickActions
All major actions are just a tap away. Frictionless payments for the modern age.
Transfer
Send money instantly to anyone, anywhere in the world.
Request
Request payments with a simple shareable link.
Savings
Grow your wealth with high-yield DeFi savings.
Split
Split bills effortlessly with your group.
Agentic
AI Protocol
ZPAY exposes a standard Model Context Protocol (MCP) server. Connect it with any AI environment like Claude Desktop or Cursor to give your AI agents the capability to execute payments, query balances, and manage on-chain contracts autonomously.
Trustless Escrows.
Zero Counterparty Risk.
Lock capital on-chain inside audited Soroban smart contracts. Release funds programmatically when milestone deliverables or API triggers are cryptographically verified with zero humans in the loop.
Soroban WASM Architecture
Written in Rust and compiled to WebAssembly. Executes with sub-second finality and formal verification on the Stellar network.
Milestone-Based Verification
Connect API webhooks or multi-sig arbiter keys. Funds unlock programmatically when cryptographic proof conditions pass.
Sub-Cent Settlement Fees
Execute enterprise escrows or freelance milestones for $0.00001 in network gas regardless of contract size or capital locked.
Every step is immutably recorded on the Stellar ledger. No human can override, delay, or intercept the capital release once conditions are met.
The Native
x402 Protocol
Eliminate API subscriptions. Let your AI agents pay fractions of a cent per call autonomously via native HTTP 402 header interception with zero humans, zero credit cards, and zero friction.
Agent Makes Request
Agent calls a paid API endpoint without a pre-purchased subscription or credit card.
Server Issues 402
Server responds with a standard 402 header specifying micro-fee: 0.001 USDC via Stellar.
ZPAY Auto-Settle
The ZPAY SDK intercepts the 402, signs a Stellar payment in milliseconds, attaches proof to the retry.
Resource Unlocked
Verified payment unlocks the data payload, delivered instantly to the LLM agent context.
import { ZPay } from '@zpay/sdk';
const client = new ZPay({ apiKey: process.env.ZPAY_SECRET_KEY });
// 3 lines. Your agent now pays per API call autonomously.
const response = await client.x402.fetch('https://api.data-vendor.com/v1/query');
// ZPAY intercepts HTTP 402, settles 0.001 USDC via Stellar in 1.8s,
// and retries the request with zero human intervention.Three steps tosmarter payments
From setup to autonomous AI transactions across the entire stack in three steps.
Create Your ZPAY ID
Link any bank account or UPI handle in under 60 seconds. Your universal identity on the Stellar network for every payment on Earth.
Send or Request
Transact with anyone worldwide including a colleague in Tokyo, a contractor in Lagos, or a merchant in São Paulo. Instant settlement, sub cent fees, and zero friction.
AI Agents Transact
Deploy autonomous AI agents that pay, collect, and reconcile on your behalf 24/7 with full programmability and cryptographic receipts for every action.
Say byeto cards
No more juggling multiple cards. One universal ID replaces them all. Pay anywhere, anytime.
Bank grade security
256 bit encryption
Instant transfers
No waiting period
•••• 4532
Card Holder
ZPAY USER
Expires
12/28
•••• 8847
Card Holder
ZPAY USER
Expires
12/28
•••• 3782
Card Holder
ZPAY USER
Expires
12/28
•••• 6011
Card Holder
ZPAY USER
Expires
12/28
You're sending
$0
USD
LargePayments
Send payments over $1,000,000 USD with ease. Experience unmatched security for high-value transactions.
Max Transfer
Unlimited
Settlement
3 seconds
Fee
$0.01
Trusted by50+ BetaUsers
Join the growing community trusted for reliability and security.
Rahul Sharma
Indie Developer
Bangalore, India“Sent 45000 rupees to my contractor in 3 seconds flat. No bank transfer delays and no excessive processing fees. ZPAY on Stellar is genuinely what modern payments should feel like.”
Priya Krishnan
Startup Founder
Chennai, India“Used the escrow feature to pay a freelancer across three milestones. The smart contract released funds automatically on verified delivery. Zero disputes and total peace of mind.”
Vikram Patel
CFO
Mumbai, India“Our finance team settled vendor payments across multiple countries. ZPAY handled currency conversion and routing automatically, saving us substantial exchange fees.”
Sneha Reddy
Product Manager
Hyderabad, India“The autonomous agent paid our recurring cloud subscriptions right on schedule this month. I funded the balance once and it took care of everything seamlessly.”
Aryan Singh
Web3 Builder
Delhi, India“Integrated the x402 payment endpoint into my web application in under an hour. The first transaction confirmed in seconds with effortless developer tools.”
Integrate withany apps
Connect with your favorite payment platforms, banks, and crypto networks seamlessly.
Request AccessCommon Questions
Everything you need to know about the product and billing.
ZPAY is built natively on the Stellar consensus protocol. Instead of expensive Proof-of-Work networks or congested Layer 2s, we leverage Stellar's built-in order books and ultra-low fee structure. We also utilize 'fee bump transactions' to sponsor network fees for you, effectively making your transactions gasless.
GetStarted.
Fast, secure, and borderless payments powered by ZPAY on Stellar.
Connect
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