Architected for
Dominance.
ZPAY replaces legacy financial plumbing with a unified, agentic, globally distributed execution engine.
Agentic Pathfinding AI
Our artificial intelligence continuously analyzes global liquidity pools and AMMs in real-time, instantly routing your payments through the absolute cheapest and fastest path available on the Stellar network. Zero human intervention.
Universal IDs & P2P
Ditch the 56-character addresses. Send instant cross-currency payments globally to simple identifiers like alice@Zp. Settles in XLM, USDC, or INR natively in under 3 seconds.
Indian UPI Bridge
The ultimate physical-to-digital bridge. Walk into any local shop in India, scan their UPI QR code, and pay with your crypto balance. The merchant receives fiat (INR) instantly.
Soroban Smart Escrow
Trustless B2B and freelance payments. Lock funds on-chain within a smart contract, release upon delivery, and rely on our built-in decentralized arbiter resolution protocol if disputes arise.
On-Chain Bill Splitting
Split expenses with friends securely. Enjoy real-time on-chain tracking, custom or equal fractional shares, and instant one-tap participant settlements that update the ledger live.
Yield Vault & Staking
Put your capital to work. Lock ZPAY for up to 24% APR, or pool XLM with zero lock-up. Features a live compound-interest projection engine to visualize your decentralized earnings.
Gasless Transactions
Absolute zero friction. Utilizing Stellar's fee_bump_transaction, ZPAY sponsors the network fees on your behalf. You pay precisely zero gas to execute transactions.
