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

Checkout

Global payment acceptance

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

Subscriptions

Recurring revenue infrastructure

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

Invoices

Billing and collections

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

Payouts

Global seller and team payouts

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

Business cards

Cards and team spend

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

Treasury

Balances, liquidity and FX

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

%

Tax & compliance

Tax, KYC/KYB and reporting

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

Revenue recovery

Retries and recovered revenue

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

Flexible financing

Installments and milestone funding

Licensed financing providers alongside milestone and escrow business payments.

Ads & growth

Campaign spend and attribution

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

Marketplace OS

Buyers, sellers and money movement

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

Identity & access

Identity, memberships and permissions

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

AI commerce agents

Bounded agentic payments

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

Finance analytics

Metrics, ledger and reporting

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

STABLECOIN-NATIVE / FIAT-COMPATIBLE

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

Price and rate before approvalAutomatic reconciliationContextual complianceFiat or stablecoin settlement choice