Questions and answers

0pay is a wallet for everyday money. You keep separate accounts for euro, USDC and bitcoin, add money to them, pay the people you deal with and see where every amount went. The app never guesses a balance and never moves money without your confirmation.

Not yet. 0pay is opening soon, and there is no date to give. Until then, this website shows the app as it is being built, with screens from a preview build and example data.

English and Romanian, in the app and on this website. The language you choose in the app is kept on that device and comes before the one set for your account, because a phone may be borrowed.

Euro, USDC and bitcoin, each as a separate account with its own balance. The euro account has IBAN details for bank transfers; USDC and bitcoin arrive on-chain, and bitcoin can also arrive over Lightning.

For anyone who wants to see their everyday money plainly: what they hold, what they paid and what is still on its way. Sole traders use the same app for their own work. Accounts in a company’s name are not open yet.

Your euro account shows IBAN details for bank transfers. The app groups the IBAN in fours so you can read it, and copies it without spaces, the way a bank’s form expects it. If an account has no details yet, its screen has a button that issues them.

Open Add money and choose the account. For euro, make a bank transfer to the IBAN details shown. For USDC or bitcoin, send to the address shown with its QR code; the screen names the currency and the network, because anything else sent to that address may be lost for good. For bitcoin, you can also create a Lightning request for an exact amount.

Everything starts on one Send screen: a bank transfer, a wallet address or a Lightning invoice. Choose who you are paying, enter the amount and read the review, which shows what you pay and what they receive. Then slide and confirm. A way of paying that cannot be used stays on the list, with the reason.

Yes, between your own accounts, such as euro and USDC. The screen shows how old the rate is, and the amount you get is marked as roughly, because the final amount is set at settlement. If the rate goes out of date, the exchange stops until you refresh it and decide again.

Adding euro to USDC or bitcoin needs a rate, and a rate is a quote at one moment, not a balance. So each account shows its own balance, Home says in one line why there is no total, and Insights shows one currency at a time.

It means the payment has been noted but is not yet confirmed as posted. It is not an error and not a failure. The receipt labels it, so you can tell it apart from money that has settled.

Not yet. Accounts in a company’s name are not open, and there is no date. A sole trader can run their own work from the same app, with the same accounts, payees and statements.

No. The app has no team members, no roles and no approvals. An account belongs to the one person who signs in to it.

Yes. In Statements, pick an account and a period, then choose CSV, which opens in a spreadsheet, or JSONL, with one JSON record per line. The file is prepared in the background and appears in the list when it is ready. A download link works once; when it has expired, the row says so and you ask for a fresh one.

No. Nothing in the app pays on a date. A standing order runs when money arrives instead: it converts crypto into euro as it lands, and can send the euro on to a payee you trust. Pausing and resuming an order ask for nothing; cancelling one asks for your confirmation.

No. There is no API, no API keys and no webhooks for customers. Everything this website describes happens in the app itself, on a phone or at a desk.

Every payment ends the same way. The review shows what you pay and what they receive, you slide to send, and then you confirm. The slide only creates the payment; nothing leaves your account until the confirmation succeeds.

Yes. In the security settings you add passkeys and authenticator apps, which are the ways a payment can be confirmed. A second one means losing a device does not lock you out, and the app does not let you remove the last one. There is no password to remember.

The security settings have a way back: “I have lost access to all of these”. You pass an identity check first, then add a replacement. Each step waits for you, and the app does not retry anything on its own.

Sessions, in Settings, lists where you are signed in and marks this device. Signing out there ends the session on this device only, and “Sign out everywhere else” ends every other session while keeping this one.

The screen says the code is not correct, and you can try again. After too many wrong codes the confirmation closes, the payment is cancelled and nothing was sent, so you start again. Asking for a new code does not give you more time.

No. This website sets no cookies and stores nothing in your browser. It has no sign-in, no forms and no accounts of its own.

No. Every page is plain HTML and CSS: no scripts of any kind, no analytics, no advertising and nothing embedded from other websites. Fonts and images come from this website.

The screens come from a preview build of the app, filled with example names and amounts, so no real person’s money appears on this website. The app can still change, and the screens with it.