We're both the issuer and acquirer, using blockchain settlement and cardholder economics to deliver true zero-fee processing to merchants.
In the legacy card network, merchants pay 2-3% on every transaction. This "merchant discount rate" (MDR) covers interchange fees, network assessments, and processor margins. It's a tax on commerce that adds up to billions stolen from businesses every year.
We control both sides of the transaction. As the issuer, we receive interchange. As the acquirer, we set merchant pricing to $0. The economics work because we fund operations through transparent cardholder APR and optional membership fees — not by taxing merchants.
From card swipe to merchant payout, here's exactly what happens in milliseconds.
At checkout, customer taps or swipes their ZeroFee card. Our BIN is instantly recognized by the terminal.
Terminal sends auth request through our acquiring network. We check available credit, fraud signals, and approve in <200ms.
Our system detects the ZeroFee BIN and routes the transaction at 0% MDR. Merchant sees $0.00 processing fee on their dashboard.
Transaction is mirrored on-chain for instant auditability. Merchant can choose T+1 (free) or instant payout (optional fee).
Merchant receives full $100 (or instant USDC if opted in). Customer sees transaction in their app with flexible payment options.
Our unit economics are transparent and sustainable. Here's how we generate $2.83 profit per $100 in transaction volume while charging merchants $0.
Sustainable economics that scale with volume, not merchant fees
We use blockchain for settlement and ledgering because it solves real problems: 24/7 availability, instant auditability, and programmable compliance. Visa and Mastercard are both expanding stablecoin settlement for the same reasons.
View our live merchant dashboard or start your free pilot. No setup fees, no long-term contracts.