Money that moves
at the speed of now.
ZapCash is a next-generation peer-to-peer payments platform for people and businesses. Send, request, split, and settle in seconds, with bank-grade security working quietly in the background.
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Everything a modern wallet should be. Nothing it shouldn’t.
We’re designing ZapCash from the ground up for an instant-everything world, without the hidden fees, hold periods, and clunky workarounds people have learned to tolerate.
Real-Time Transfers
Built to run on modern instant-payment networks so money lands in seconds, any hour, any day, including weekends and holidays.
Security by Design
Passkey and biometric sign-in, tokenized account data, and AI-assisted fraud monitoring that scores every payment before it moves.
Clear, Fair Pricing
No surprise fees. You’ll see exactly what a transfer costs, and when it arrives, before you tap send.
Built for People
Pay friends and family, split bills, share rent, and request money with a tap: by phone number, email, $ZapTag, or QR code.
Built for Business
Accept payments, send invoices, pay vendors, and run instant payouts, with reconciliation-ready data and a developer-friendly API.
Smart Insights
Clean, categorized activity, spending snapshots, and cash-flow views that help you understand your money at a glance.
Engineered for speed, availability, and trust.
Three taps from “I owe you” to “all square.”
Create your ZapCash account
Sign up in minutes with fast digital identity verification and a passkey, with no passwords to remember.
Link your bank or card
Securely connect a bank account through open-banking connections or add a debit card. Your credentials are tokenized, never stored in the clear.
Zap it
Choose a contact, $ZapTag, or QR code, enter an amount, and confirm with Face ID or fingerprint. Done in seconds.
Your money is protected by layers you’ll never have to think about.
- Passkeys and device biometrics replace passwords and one-time codes.
- Payment tokenization keeps real account numbers out of every transaction.
- Machine-learning risk models screen each payment in milliseconds.
- Encryption in transit and at rest, with strict, audited access controls.
- Payee confirmation and scam warnings before you send to someone new.
Be first in line when ZapCash goes live.
Join the early-access list for launch news, beta invitations, and founding-member perks. Businesses can also register interest in our merchant and API pilot program.
By joining, you agree to our Privacy Policy. We’ll only email you about ZapCash, and you can unsubscribe at any time.