The payments app for people who want dollars, not dashboards

Any Currency. Any Direction.

The simplest way to move digital money.

Get early access ↗See how it works

The problem

Paying people shouldn't mean choosing between a bank holding your money and a wallet that feels like a trading terminal.

The solution

Zxee gives you one balance you control — with doors in every direction.

Built onDynamicFireblocksMoonPayCoinbaseKrakenUSDC on Base

How does it work?

Sign up with your phone.

No seed phrase. No network to pick. Your wallet is created the moment your number is verified.

Phone number +1 (555) 010-4471

Code sent by SMS

@alexVerified

Your balance$0.00Yours. Not held by us.

Add money your way.

Card or bank through MoonPay. Or pull dollars in from Coinbase or Kraken.

Add moneyChoose a source

💳 Card or bank · MoonPayCoinbaseKraken

Your balance$50.00+$50.00 added

Pay a friend.

Pick a name, type an amount, confirm with Face ID. It arrives as real dollars, not an IOU.

Alex Rivera@alex · on Zxee

$20.00

Confirm with Face IDEdit

✓ Sent · arrived instantlyfee shown first

Get paid with a link.

zxee.app/pay/@you works even if they've never heard of Zxee. Pay with any wallet or a QR — we convert it.

zxee.app/pay/@alex ↗

Pay Alex
Connect a wallet or scan

MetaMaskPhantomAny address

Incoming+$120.00converted from ETH · lands as dollars

Send to a number that isn't on Zxee yet.

We text them an invite. When they sign up, the payment completes.

Sam+1 (555) 010-2233 · not on Zxee

$20.00

Pending · waiting for Sam to join

✓Sam joined$20 delivered

Cash out. Or leave with your keys.

Bank via MoonPay, back to your exchange, or export your wallet. That's a trust line, not a trap.

✓To your bankvia MoonPay

✓To Coinbase or Krakenyour account

✓Export walletyou hold the keys

Open doors

One app. Three kinds of people.

Everyday users

Pay friends like you would in Venmo or Cash App, without a bank as the middleman for your balance.

Send $20 to @alexConfirm

Balance after$30.00

ArrivesInstantly

Crypto natives

Bring funds in from a wallet or an exchange, spend in dollars, send to any supported address, or land incoming money in a wallet you already own.

Address book3 saved

Contractor · USDTTX7…9kQ

Hardware wallet0x83…2913

CoinbaseLinked

Creators & small businesses

Share one link. Get paid in the app or straight to a wallet you already use — by people who never downloaded Zxee.

zxee.app/pay/@studioPaid

1.2kLink views

86Paid

$64Avg. amount

Your money, your wallet

The balance is real dollars in a wallet only you control. Zxee is the app, the address book, and the rails.

Zxee, 09:12

Alex paid you $20.00
Zxee → Zxee

You, 09:13

✓Sent $50.00 to @maria

Zxee, 10:23

Payment to +1 (555) 010-2233 is waiting for them to join
Pending · still in your wallet

You, 10:25

✕Cancelled

Zxee, 11:00

🔑 Wallet exported
You now hold the keys

Zxee, 11:04

Maria requested $12.50 for lunch
Pay · Decline

Nothing to learn, nothing to install beyond the app. No seed phrase on day one. Export any time.

Stories

Dollars, not dashboards.

Balance$50.00+$50 from cardSend $25 to @roommate →

Sign up1 phone number

Networks to pick0

"I don't have crypto. I just want to put $50 in and pay my roommate."

~ Everyday user

1phone number to sign up.

0networks to pick.

zxee.app/pay/@ninaPay NinaAny wallet · any coin · QR+$400 · from SOL

Payer needsNo account

Lands asDollars

"Here's my Zxee link — pay me however you already hold crypto."

~ Freelancer

Any walletor a QR code.

Auto-convertedto dollars on arrival.

Linked exchangesCoinbase · KrakenTop up ↓ Withdraw ↑+$1,000 from Coinbase

DirectionBoth ways

Exchange loginStays yours

"I keep most funds on Coinbase. Zxee is how I pay people."

~ Crypto native

2exchanges linked — Coinbase and Kraken.

Both waysin and out, in a tap.

Before you ask

Questions people ask.

No. It's a payments app. Your dollar balance happens to be USDC. Trading pairs and order books are not the product.

Not for the main path. Wallets and exchanges are optional doors, not the front door.

Send them a pay link, a request link, or just their phone number. They can pay or get paid without being a user first.

Yes. Pay from MetaMask and similar, send to any supported address, or have incoming money land in a wallet you already own.

You do. Your balance lives in a wallet only you control, and you can export it whenever you like.

A small platform fee on money that moves through the app, always shown before you confirm. Partners like MoonPay show their own fees in their checkout.