Europe's payments run on delayed clearing systems. Zenopay enables instant euro transfers using stablecoin-based settlement.
Send euros by phone number or QR code. No IBANs required.
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.
Zenopay is the infrastructure layer Europe is missing.
| Pan-European | Stablecoin Rail | No Bank Needed | Programmable | Transaction Fee | |
|---|---|---|---|---|---|
| Wero | Partial | No | No | No | Free (P2P only) |
| Revolut | Yes | No | No | No | 0.5 - 2% |
| SEPA Instant | Partial | No | No | No | €0.20 - 2.00 |
| Card Networks | Partial | No | No | No | 1.5 - 3% |
| ZenoPay | Yes | Yes | Yes | Yes | 0.5% / Free P2P |
Up to 5x cheaper than card networks.
Money that knows what to do.
Instead of sending money and then figuring things out, the money already knows what to do.
Software that can now transact autonomously
Buy credits, pay-per-call — without human intervention
Smart recurring payments. Auto-switch providers based on price.
Programmable budgets — "Don't spend more than €100/day"
Pay per API call, pay per request — impossible with cards today
Zenopay enables AI agents to transact, not just compute.
We're not just building payments for people. We're building payments for software.
Three forces are converging to make real-time euro settlement possible for the first time.
The EU's Markets in Crypto-Assets framework creates the first clear legal path for stablecoin-based payments across all member states.
27 countries, 1 frameworkCircle's EURC is a fully regulated, 1:1 euro-backed stablecoin. It provides the stable settlement asset that makes crypto rails invisible to users.
1 EURC = 1 EUR, alwaysModern L2 chains now process transactions with sub-cent fees and sub-second finality. The tech is ready for consumer-grade payment throughput.
65K+ TPS, sub-cent feesNo hidden fees. No interchange. No surprises.
Real-time euro payments on stablecoin settlement. No legacy rails. No middlemen. Just instant money.
Experience the demo