✦ Crypto payment gateway

A wallet payment gateway at 0.1%

Accept payments wallet to wallet at a flat 0.1% per transaction, with non-custodial mode letting you hold the private keys and receive funds directly on-chain.

Accept your first crypto payment today in 3 Easy Steps

Create your Zeno account with your email, pick your setup, and receive your first crypto payment the same morning.

1. Create Your Zenobank Account

Create your free account at dashboard.zenobank.io

2. Install a plugin, or integrate directly with our API

Connect through a plugin for WooCommerce, Shopify, and other platforms, or integrate directly using our SDKs and API.

WooCommerce ↗

3. Get Your API Key

In the dashboard, go to Developer and copy your API key.

Paste it into the plugin setting or use it via the API.

Depending on your integration, paste it into your plugin settings or use it directly in your code.

What wallet-based payment processing gives your business

Funds settle directly to your wallet.
Non-custodial mode
Customers pay from any major crypto wallet (MetaMask, Trust Wallet, Phantom, Coinbase Wallet, Binance, Ledger, and dozens more)

How wallet-to-wallet payments work

The customer side

Your customer connects their wallet at checkout or scans the QR code with their wallet app. They confirm the transaction in their wallet, and the payment broadcasts to the blockchain.

The settlement side

The payment confirms on-chain in seconds. The funds land in your wallet directly, and Zeno's webhook notifies your dashboard so the order shows as paid.

The custody side

In non-custodial mode, the wallet receiving funds is one you control with your own private keys. In custodial mode, Zeno manages the wallet for you and you withdraw to your bank or external wallet on your schedule. The choice is yours and switchable from the dashboard.

Supported wallets and networks

Zeno supports Ethereum, Solana, Tron, BSC, Arbitrum, Base, Polygon, Bitcoin, Litecoin, and Lightning Network across the wallet types above.

Wallet category	Examples	Networks supported
Self-custody software wallets	MetaMask, Trust Wallet, Phantom, Coinbase Wallet	All Zeno-supported networks
Hardware wallets	Ledger, Trezor	All Zeno-supported networks
Exchange-linked wallets	Binance, Coinbase, Kraken	Network depends on exchange
Mobile wallet apps	Most QR-scannable wallet apps	All Zeno-supported networks
Lightning wallets	Phoenix, Wallet of Satoshi, Muun	Bitcoin Lightning Network

FAQs

Everything you need to know before getting started

What's the difference between custodial and non-custodial mode?

In non-custodial mode, you hold the private keys to the wallet receiving payments, which means the funds are in your direct control at all times. In custodial mode, Zeno manages the wallet and you withdraw to your bank or external wallet from the dashboard. Both modes carry the same 0.1% transaction fee.

Which wallets can my customers pay from?

Customers can pay from any major crypto wallet, including MetaMask, Trust Wallet, Phantom, Coinbase Wallet, Binance, Ledger, Trezor, and most QR-scannable mobile wallet apps. The checkout displays a QR code and address, and the customer's wallet handles the rest.

Can I receive payments directly to a hardware wallet?

Yes. In non-custodial mode you can use any wallet address as your receiving wallet, including addresses controlled by hardware devices like Ledger or Trezor. Funds settle directly on-chain, which means they land at the address you specify regardless of how that wallet is custodied on your end.

How quickly do payments arrive in my wallet?

Between 2 seconds and 2 minutes depending on the blockchain. USDT on Tron confirms in 3-5 seconds, USDC on Base or Solana in under a minute, and USDT on Ethereum in 1-2 minutes. The funds appear in your receiving wallet the moment the network confirms the transaction.

Can I switch between custodial and non-custodial modes?

Yes. The custody mode is a setting in your dashboard that you can change at any time. Existing balances stay where they are when you switch, and new incoming payments route according to your current setting.

How do I cash out to fiat?

Three main options. Hold stablecoins (USDT, USDC, PYUSD) as USD-equivalent balances. Transfer to a fiat bank account directly through Zeno. Or send to any external wallet, including exchange wallets that handle fiat conversion themselves.

Do my customers need a Zeno account to pay?

No. Customers pay from their own wallets without creating any account on Zeno's side. The payment flow runs entirely through their existing wallet, which means there's no signup friction on the customer side of the transaction.

Is there a difference in fees between wallet types?

The 0.1% Zeno fee is the same regardless of which wallet your customer pays from or which wallet you receive to. Network fees on the blockchain are paid by the customer at the moment of payment and vary by network (Tron and Solana sit at fractions of a cent, Ethereum mainnet runs higher).

Receive payments straight to your wallet

Take payments wallet to wallet at a flat 0.1% per transaction with non-custodial mode keeping the private keys in your hands.

Team

Hugo Pino —
founder of the zenobank

The only time I leave my house is to go to the gym

Built a decentralized exchange that reached $27M in deposits.

I got a UAE Golden Visa for my work in Web3