Stablecoin-backed payments
Pay across borders.Settled in stablecoins.
Every ZemFi payment moves on USDT and USDC, so your money keeps its dollar value on the way. Pay bank accounts in other countries, get paid by clients abroad, and hold a stablecoin balance in between.
Free to download. Verification is needed before your first transfer.
Drag to spin
Inside the app
Your stablecoin balance, next to your local one.
See what you hold in USDT, USDC and your local currency side by side, convert at live rates, and pay or get paid from the same balance.
What it does
Stablecoins underneath every payment, with no trading account required.
Pay anyone abroad
Pay a bank account in another country. Your money travels as USDT or USDC and arrives in their bank. The app asks for exactly what that country’s banks need.
Get paid from abroad
Give international clients a foreign account they pay like a local transfer. It settles into your ZemFi balance as stablecoins.
Hold dollars as stablecoins
Buy or sell USDT and USDC with your local currency at live rates, with the rate and the fee shown before you commit.
Pay any wallet on-chain
Send stablecoins to any wallet across Tron, Ethereum, Polygon, Base, Arbitrum and BNB Smart Chain. Scan a QR code instead of typing out a long wallet address.
Cash out to your bank
Turn stablecoins back into local currency in an account in your own name. Save it once and it’s ready next time.
How a payment moves
Your currency in. Stablecoins across. Their bank out.
- 01
You pay in your currency
Fund the payment from your local or stablecoin balance. The rate and the fee are shown before you confirm.
- 02
It crosses as a stablecoin
The money travels as USDT or USDC, pegged to the US dollar, so its value holds while it’s on the way.
- 03
It lands in their bank
Your recipient gets a normal bank payment. They never need a wallet or to know about crypto.
Who it’s for
For anyone who gets paid, or pays, across borders.
Freelancers & remote workers
Give clients abroad an account they can pay into, hold what they send as stablecoins, and cash out when you choose.
Family & friends abroad
Pay someone’s bank account in another country straight from your balance.
Saving in dollars
Keep part of your money in USDT or USDC, and switch back to local currency at a rate you see before you confirm.
Small businesses
Pay suppliers overseas on stablecoin rails, straight into their bank, in the format their country uses.
How money reaches you
Get paid however suits you.
An account in your name
A permanent local account for receiving payments in your currency.
A single payment
A one-time account for collecting a single, fixed-amount payment.
A wallet address
Receive stablecoins from any wallet or exchange.
A foreign account
Lets clients abroad pay you as easily as they’d pay someone locally.
Before the money moves
Strong security that stays out of your way.
CBN-compliant verification
Verify once before your first transfer. Checks follow the Central Bank of Nigeria’s tiered KYC framework, with your BVN confirmed against NIBSS records.
Two-factor on transfers
Every transfer needs a code from your authenticator app before money leaves your balance.
Biometric unlock
Open the app with Face ID or your fingerprint, so no one else can get in if they pick up your phone.
No double payments
If your connection drops and you tap again, your money is still only sent once.
Questions
Good to know before you start.
What does “stablecoin-backed” mean?
When you pay someone abroad or get paid from abroad, the money moves as USDT or USDC, digital dollars that hold a 1:1 value with the US dollar. You and your recipient still see bank payments at each end.
Does the person I pay need crypto?
No. They receive a regular payment into their bank account. The stablecoin part happens in between.
What do I need to get started?
The ZemFi app on your phone and a few details to verify who you are. Verification happens once, before your first transfer.
Will I know the fee before I send?
Yes. The exchange rate and the fee are shown before you confirm, so you know exactly what arrives.
Which countries can I send to?
The United Kingdom, the Eurozone, Brazil, Mexico, the United States, Canada and China, with more on the way.
Which stablecoins does ZemFi support?
USDT and USDC, on Tron, Ethereum, Polygon, Base, Arbitrum and BNB Smart Chain.
Can I buy stablecoins with local currency?
Yes. Buy USDT or USDC from your local balance, with the rate and the fee shown before you confirm.
Where do my withdrawals go?
To a bank account in your own name. Save it once and it’s ready next time.
What if my connection drops mid-transfer?
Just try again. ZemFi recognises the retry, so your money is never sent twice.
Is ZemFi CBN compliant?
Identity checks follow the Central Bank of Nigeria’s tiered KYC framework: your BVN and details are verified against NIBSS records, and higher tiers add your NIN, an ID document and proof of address. Payments, balances and custody are provided by a licensed, regulated payments partner.
How is my account protected?
Transfers need a code from your authenticator app, and the app opens with Face ID or your fingerprint.
