A self-custody stablecoin wallet
Digital dollars,
simplified.
Zen Pay is the easiest way to hold, send, and own USDC. Sign in with your email, top up with a card, and keep full control of your private key — no seed phrases, no app downloads, no middleman.
USDC by Circle · Runs on Base · Non-custodial by default · No seed phrase
- Received from 0x8f2a…4b1c+200.00 USDC
- Sent to 0x3d91…77e0−50.00 USDC
- Card top-up+500.00 USDC
Product preview
What you get
A wallet that feels like a banking app, built like crypto.
Zen Pay pairs the frictionless sign-in of a neobank with the openness of a self-custody crypto wallet. Email UX on top, real ownership underneath.
Sign in with an email
No seed phrases, no twelve-word recovery cards, no app downloads. One email and a verification code — your wallet's ready in under thirty seconds.
Top up with a card
Buy USDC directly into your wallet with any debit or credit card through our regulated onramp partner. The dollars land in your own wallet — not ours — in minutes.
Move money on Base
Send USDC to anyone, anywhere on the Base network. On-chain transfers settle in seconds for a fraction of a cent — faster than a wire, cheaper than Western Union.
Your keys, always
Zen Pay is fully non-custodial. Your private key lives in a secure enclave only you can access — and you can export it to MetaMask or any other wallet at any time.
Who uses Zen Pay
For anyone who wants dollars without the bank.
A handful of the most common reasons people open a Zen Pay wallet.
A stable reserve that follows you anywhere
Hold value in US-dollar-pegged USDC without needing a US bank account. A steady base layer for your savings — especially if your local currency swings.
Money from overseas, in your pocket
Friends, family and remote clients can send USDC straight to your wallet address. Settlement is minutes, not days — and there are no correspondent bank fees in the middle.
Transfers to any Base wallet, in seconds
One click, one signature, done. Your wallet, your transfer — Zen Pay never acts as a middleman, so nothing gets held up in review queues.
A real on-ramp to crypto — with an exit
Start in Zen Pay with an email, then export your key whenever you want. Take your wallet into MetaMask, Rainbow, or any DeFi app. You are never locked in.
Three steps
From nothing to a funded dollar wallet in 30 seconds.
Sign in with email
Enter your email, paste the one-time code. A self-custody wallet is provisioned for you instantly.
Top up with a card
Use any debit or credit card to buy USDC. The dollars land directly in your wallet on Base — we never touch them.
Hold, send or withdraw
Keep it as a stable reserve, send it on-chain to anyone on Base, or export your private key and take the wallet anywhere.
Your keys. Your wallet. Full stop.
Zen Pay is not a bank, not an exchange, and not a payment processor. It is a wallet — your wallet. We cannot freeze your account, reverse your transactions, or move your funds on your behalf.
Held in a secure enclave
Your private key is generated and signed inside Privy's SOC 2 Type II enclave. Zentech Innovation Ltd never has access to it.
Exportable, anytime
One click reveals your private key in a secure window. Take it to MetaMask or any EVM wallet whenever you want.
Onramp goes direct
When you buy USDC with a card, the purchase is between you and our regulated onramp partner. The coins land in your wallet directly.
Transfers are peer-to-peer
Every send is an on-chain transfer signed by you and broadcast to Base. Zen Pay does not route, settle, or intermediate transactions.
Frequently asked
Good questions, honest answers.
Is my money safe?+
USDC is a US-dollar-pegged stablecoin issued by Circle, a US-regulated money issuer. Your USDC is held in a non-custodial wallet secured by Privy's SOC 2 Type II-audited enclave infrastructure. Zen Pay never sees or holds your private key, and cannot move your funds.
Do I need to know about crypto?+
No. If you can use email, you can use Zen Pay. There are no seed phrases to memorise, no browser extensions to install, and no networks to configure. Everything runs on the Base network in the background.
Can I move my wallet out later?+
Yes. Zen Pay is fully self-custody. Your wallet's private key can be exported to MetaMask, Coinbase Wallet, Rainbow, or any compatible wallet at any time. Nothing locks you in.
What happens if Zen Pay shuts down?+
Your wallet lives on the Base blockchain, not on our servers. Your private key is exportable at any time, so your USDC remains yours and accessible through MetaMask or any compatible wallet — even if Zen Pay disappeared tomorrow.
Which countries are supported?+
The Zen Pay wallet is available globally. The card top-up (onramp) feature is available in the regions our regulated onramp partners support, and is not currently available in the United Kingdom. See our Terms for full details.
What does Zen Pay charge?+
Zen Pay does not charge a fee for holding a wallet or for signing a transfer. Small network (gas) fees apply to on-chain transfers, typically a fraction of a cent on Base. Onramp providers disclose their own fees at the point of purchase.
Ready for dollars without the bank?
Your wallet is thirty seconds and one email away. No app to download, no seed phrase to write down, no strings attached.
Non-custodial · keys exportable to MetaMask anytime · no lock-in.
Open your walletUSDC issued by Circle · Wallet infrastructure by Privy · Runs on Base · Fiat onramp provided by regulated third parties
Zen Pay is a non-custodial wallet operated by Zentech Innovation Ltd, a company registered in England & Wales (No. 17139132). Zen Pay is not a bank, payment processor, merchant acquirer, money transmitter, or financial institution, and does not provide such services. Cryptocurrency carries risk; see our Terms for details.