Take crypto payments, settle in your bank
Accepting crypto usually means choosing between a processor that holds your money and a wallet that cannot invoice. ZenWallet gives you a payment gateway and a self-custody wallet in the same account: customers pay, you settle to fiat or keep the balance on-chain, and the keys stay yours either way.
Card and crypto in one place
Take fiat card payments and on-chain payments through the same gateway rather than bolting two systems together.
Settle how you want
Convert to fiat and settle to your bank, or hold the balance on-chain in a wallet you control.
Treasury controls included
Vault mode adds multisig approvals so a second person signs before funds move.
The problem with most crypto payment processors
A traditional processor takes custody of the payment, holds it for a settlement window, and pays you later minus a spread. For a business, that is a receivable with counterparty risk attached, and you learn how much risk only when the processor has a bad week.
The alternative, publishing a wallet address, is worse operationally. No invoicing, no reconciliation, no refunds, and no way to tell one customer's payment from another's.
How the ZenWallet gateway is arranged
Payments arrive into a wallet secured by MPC key sharding, the same model that protects a personal ZenWallet. You decide per settlement whether to convert to fiat through ZenPayz rails and pay out to your bank, or keep the balance on-chain.
Because gas is payable in USDT on EVM chains, a merchant balance held entirely in stablecoins stays fully operational without maintaining native-token floats across three networks.
- Accept card and crypto payments through one integration
- Settle to a company bank account or hold on-chain, per payout
- Multisig approvals in Vault mode for finance teams
- AI Treasury Copilot rules in plain English, for example automatic conversion above a threshold
- Seven chains supported, so customers pay on the network they already use
Fit and limits
This suits businesses that already hold or want to hold crypto: online services, cross-border contractors, marketplaces, and companies paying suppliers in stablecoins. It is a payments and treasury tool, not a full ERP integration.
Availability of fiat settlement depends on your jurisdiction and on business verification. Confirm coverage before committing a checkout flow to it.
Common questions
Can I accept crypto payments and receive fiat in my business bank account?
Yes. Payments arrive in a self-custody ZenWallet and you choose per payout whether to convert to fiat through the integrated rails and settle to your business account, or hold the balance on-chain.
Who holds the funds between payment and settlement?
The balance sits in a wallet protected by MPC key sharding that your organisation controls, rather than on a processor's balance sheet awaiting a settlement window.
Can two people be required to approve a payout?
Yes. Vault mode requires multisig approval before funds move, which is the usual requirement for a finance team handling company money.
Which networks can customers pay on?
Ethereum, Bitcoin, Solana, Polygon, TRON, BNB Chain and TON.