Direct-to-wallet stablecoin payments

Stablecoin payments
without custody.

Accept USDT and USDC with hosted checkout, direct-to-wallet settlement and signed payment events. One integration handles four networks while your funds remain yours.

Networks

Ethereum · BSC · Polygon · Solana

Custody

Funds never touch our wallet

Finalized

Verification

Independent RPC agreement. Network timing varies.

HMAC

Signed webhooks

SHA-256, per-merchant secret

The difference

Custodial gateways vs. Zynost Pay

Typical custodial gateway

Zynost Pay

×Funds sit in the provider's wallet until payout

Funds go directly to your wallet. Confirmation follows network finality.

×Payout schedules, minimums, and delays

No payout step — there's nothing to release

×Provider can freeze or hold your balance

Zynost has no custody of your funds. Token issuer restrictions can still apply.

×You trust their custody + security practices

You trust your own wallet, same as always

For developers

One API call to create a checkout.

Full request/response reference, webhook payloads, error codes, billing, and the withdraw-your-funds tool — all explained step by step.

Read the docs

Security

Built so we can't touch your money.

Watch-only key derivation

Your xpub lets us mint addresses under your wallet, never spend from it — the same math hardware wallets use for read-only address books.

HMAC-signed webhooks

Every webhook is signed with a secret only you and we know, so you can reject forged or replayed requests.

Direct chain reads

We confirm payment by reading the blockchain itself — no third-party indexer that could go down or lie about your balance.

Zynost Paymaster · BNB Chain

Let customers pay stablecoins without holding BNB.

Zynost Paymaster sponsors the final ERC-4337 transfer from a recoverable smart account. Customers sign; Zynost covers the network gas; settlement still lands directly in the merchant-owned address.

Read gasless flow Open merchant account

Signed approvals

Every sponsored operation is authorized for one sender, one cost ceiling and a short validity window.

Hard spending caps

Independent per-wallet and global daily limits are enforced by the deployed contract, not a dashboard counter.

Abuse circuit breaker

Rate limits and repeated-failure protection stop bad operations before they consume the gas tank.

Simple, usage-based pricing.

Free

Up to 50 checkouts / month
Non-custodial, all 4 networks
Signed webhooks

Pay as you go

0.3% / volume

No monthly fee, no checkout cap
Only pay on what actually settles
Everything in Free

Most merchants

Pro

$19/mo

Unlimited checkouts
Everything in Free
Priority support

Billed through your existing Zynost account's checkout — no separate payment system to manage.

Questions

Customer payments go to addresses you control. EVM invoice addresses are derived from your xpub. Solana payments use your wallet with an invoice-specific reference. We confirm payment after independently verifying finalized transaction evidence.

An extended public key lets us derive receive addresses without holding your spending keys. It reveals wallet activity and must be treated as sensitive. Never share your seed or private keys. Exposure of a non-hardened child private key together with its parent xpub can compromise the wallet.

Automatic confirmation requires at least 99% of the invoiced amount in a supported asset and verified finalized transaction evidence. Smaller payments do not trigger partial fulfilment. Contact the merchant to resolve an underpayment or incorrect network transfer.

Not yet — every checkout is a single one-time invoice today. You can call POST /v1/checkout again each billing cycle from your own backend to build recurring billing on top of it.

Upgrade any time from your dashboard — paid through this same gateway, so it's just another non-custodial checkout, confirmed automatically.

Stablecoin payments
without custody.