Zenopay replaces legacy settlement with stablecoin rails. Send euros instantly by phone number or QR code. No blockchain visible. Just fast money.
Try the payment flowThe same simplicity as UPI, built for European euros.
Select from your phonebook or scan a QR code. No IBANs, no routing numbers.
Type the euros you want to send. What you see is what they get.
Enter your PIN. Payment settles in seconds, not days. Recipient gets notified instantly.
Every fintech in Europe builds a prettier interface on top of SEPA and card networks. The rails underneath are still slow, expensive, and fragmented across 36 countries. Zenopay doesn't add another layer of paint. It replaces what's underneath.
Transactions settle on Circle's EURC stablecoin, fully MiCA-regulated and backed 1:1 by euros. You never touch crypto.
No T+1, no batch processing, no business hours. Money arrives in seconds, 24/7/365.
No interchange fees, no card network middlemen. Merchant fees dramatically lower than Visa or Mastercard.
Send euros from Berlin to Lisbon as easily as across the street. Same speed, same cost. One network.
| SEPA / Cards | Zenopay | |
|---|---|---|
| Settlement speed | Hours to days | Seconds |
| Availability | Business hours | 24/7/365 |
| Cross-border friction | High (FX, fees, delays) | None (single EUR network) |
| Merchant fees | 1.5 - 3% | Under 0.5% |
| User sees blockchain | N/A | Never |
UPI moves 14 billion transactions a month in real time. Europe's turn is next, and the settlement layer won't be legacy rails.
Experience the demo