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Everyday money, without the noise.
One wallet to hold your euro, pay the people and businesses you deal with, and see exactly where every amount went.
Nothing leaves your account until you say so.
Every payment shows what leaves your account and what arrives, then waits for your confirmation.
Accounts
One balance per currency, never a made-up total.
Euro, USDC and bitcoin each sit in an account of their own, with their own balance and history. The app does not add them up: a total across currencies would need a rate, and a rate is not a balance.
Send
Bank transfer, wallet or Lightning, from one Send screen.
Choose how you are sending it, by bank transfer, wallet address or Lightning invoice, then who you are paying. Your own accounts come first, and a way that cannot be used right now stays on the list with the reason beside it.
Money in
Money coming in, and the reason when it waits.
Incoming money that is held, sent back or did not arrive is listed with what happened and what you can do about it. You never have to work it out from a balance that looks wrong.
Insights
Where it went, one currency at a time.
Insights sorts what came in and went out by category and by the people you dealt with, and compares it with the same length of time before. Two currencies are never mixed into one figure.
Everything in the app
Each part of the app has a page of its own, with its screens and the rules it follows.
Accounts and IBAN
One account for each currency
Add money
Bank transfer, on-chain or Lightning
Send money
Bank, wallet or Lightning from one screen
Exchange
Switch between euro and USDC with a keypad
Cards
Card controls, designed in. Not available yet
Activity
Every movement, with a receipt
Insights
Where your money went, one currency at a time
Notifications
An inbox for payments, identity and security
Crypto deposits
Why incoming crypto waits, and what to do
Identity check
How far your verification has got
Language and display
English or Romanian, light or dark
Built on a few plain promises
Four rules shape every screen in the app, in English and in Romanian.
Hold
Your balance is shown exactly as it is recorded — never rounded, never guessed.
Pay
Send money from the same place you keep it, to the people and businesses you pay.
Confirm
Nothing leaves your account until you say so. Every payment asks you first.
See
A clear history of every payment, in English and Romanian.
For business
The same app, at a desk.
On a wide screen the app keeps what a business needs in view: a separate account for each currency, the payees you trust, and exports of your transactions in CSV or JSONL for your books.
Security you can check
How payments are confirmed, how you sign in, and where you are signed in right now.
Questions and answers
What is 0pay?
Can I use it today?
Which currencies does it show?
Does it add my balances together?
Is it in Romanian?
Money you can see. Payments you confirm.
Every page on this site is built from the app’s own screens and the rules behind them.