ZEROFEE FINTECH OS

Everything you need to move, manage and grow money online.

A modular financial system combining fiat and stablecoin flows in every service—with one ledger, identity and permission model.

All services

14 composable modules

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Checkout

Global payment acceptance

Payment links, embedded components and mobile-first checkout for cards, bank methods and stablecoins.

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Subscriptions

Recurring revenue infrastructure

Plans, trials, usage billing, upgrades and access entitlements in one model.

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Invoices

Billing and collections

Create, send, schedule and reconcile one-off or recurring invoices.

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Payouts

Global seller and team payouts

Pay vendors, creators, workers and sellers through one API with approval controls.

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Business cards

Cards and team spend

Virtual and physical cards with budgets, merchant controls and real-time reconciliation.

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Treasury

Balances, liquidity and FX

A unified view of stablecoins and fiat, liquidity policy, forecasts and conversion.

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Tax & compliance

Tax, KYC/KYB and reporting

Tax calculation, document collection, identity policy and transaction reporting.

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Revenue recovery

Retries and recovered revenue

Smart retries, payment-method updates and routing across approved providers.

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Flexible financing

Installments and milestone funding

Licensed financing providers alongside milestone and escrow business payments.

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Ads & growth

Campaign spend and attribution

Media budgets, dedicated cards, attribution and partner revenue splits.

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Marketplace OS

Buyers, sellers and money movement

Seller onboarding, checkout, platform fees, escrow and rapid payouts.

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Identity & access

Identity, memberships and permissions

Customer and business profiles, memberships, roles and product entitlements.

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AI commerce agents

Bounded agentic payments

AI agents can buy, pay and refund within human-defined budgets and policy.

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Finance analytics

Metrics, ledger and reporting

Revenue, acceptance, churn, payouts, rail cost and balances in one place.

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STABLECOIN-NATIVE / FIAT-COMPATIBLE

Stablecoin is not a separate product. It is a settlement rail inside every product.

✓ Price and rate before approval✓ Automatic reconciliation✓ Contextual compliance✓ Fiat or stablecoin settlement choice