A stablecoin account that's actually yours.
Open it in a minute — no crypto wallet needed. Accept from clients, pay contractors, keep your keys. We take 0% of your volume, because the money never passes through us.
How it works
- 01You issue a payment link with an amount and a description.
- 02Your customer opens it and pays on whichever of the six chains suits them.
- 03Funds arrive in your wallet, confirmed in seconds.
Two ways to start
Bring an account or open one here. Either way the key is yours, and the difference between them is worth naming rather than glossing.
Connect it — MetaMask, Trust, Phantom, any of them. The keys stay exactly where they already are.
- You hold
- The seed phrase
- You depend on
- No one
We open one in about thirty seconds, with an email address or Face ID. No seed phrase, no twelve words on paper. The key is yours: export it at any moment and leave.
- You hold
- The access — email or Face ID — and the key, exportable at any time
- You depend on
- Signing infrastructure. Inzi never sees the key either way.
We orchestrate payments. You own them.
Self-custody is the default and every merchant on the platform runs on it. The escrow contract was retired rather than repaired. TON was the last chain where a payment still passed through us, and that is closed — across all six chains, the funds never touch us.
We cannot hold your money. There is nowhere to put it.
If you have not set a wallet, the payment is declined. It is not credited to an account of ours pending review, it does not wait here for your decision. It fails with an error — the only correct answer for a platform with nowhere to store funds.
The same fact sets the price. Processors take a percentage because the money goes through them; there is no percentage here because there is nothing of yours to take it from.
A card infrastructure provider, Kulipa, wound down. Partner programmes built on it stopped. User funds survived — they were sitting in wallets the users themselves controlled.
Where funds are held for you, the same event freezes balances until an administrator releases them. That is what the difference looks like on the day something goes wrong.
What we are, and what we are not
Inzi is not a payment institution, not an e-money institution and not a crypto-asset service provider. We hold no licence to keep your money — which is §04 stated from the other side: there is nowhere for it to sit.
Why the description says aligned, not compliant
MiCA excludes services whose provider never takes possession of the funds. That exclusion is a structural fact about where the money goes, and it is the whole of our claim. Compliance is a licence. We do not hold one, and a page that said otherwise would be describing a different company.
We give you the record (§10). We do not give you advice.
Six chains, including the two that matter here
USDC, USDT and EURC, on all six chains with no exceptions. An Argentine or Brazilian payer arrives with USDT on Tron. The job is to accept that, not to explain that they chose the wrong network.
One USDC balance, on every chain you accept
Your USDC sits in a contract you control and is spendable on any supported EVM chain without moving it across bridges by hand. Nothing leaves without a signature from the owner — that is you.
The same balance, seen from each EVM chain. Not three balances to reconcile.
Paying out works the same way
Collecting from customers and paying contractors come out of one balance. This is not a product for getting paid — it is a product for moving money without handing it to an intermediary.
A European company pays contractors in Latin America, and each of them wants a different chain. The payout leaves the single USDC balance on the chain the recipient chose — no laying USDC out across six wallets in advance and guessing where it will be needed. Until your signature moves it, the money sits in your contract; at no step does it sit with us.
Six balances, topped up by hand, and the wrong one is always empty.
One balance, a payout to any supported chain, each one signed by you.
What happens when it goes wrong
Every payment page shows the path where nothing breaks. This is the other one — the cases support actually gets, and what the system does without being asked.
Refunds are not in this table, because there is no chargeback to reverse. A refund here is a payment you send back, out of the same balance as any other payout.
This is what the subscription is for
One ledger your accountant will take. Who paid, when, at what rate, and what proves it. The rate is captured at the moment of receipt and is not recalculated afterwards. One file for the period.
Export: CSV, Excel, or a PDF per payment
What you pay
Nothing on volume, on any plan. The subscription buys the ledger, the links and the payout rail — the parts that are work. Moving the money is not work we do.
API keys and webhooks are on every plan, including the free one.
Rates as published by each provider, checked 5 September 2026. Ours is the whole of what we charge; the others may exclude an FX spread on top.
One request, one webhook
Keys are on every plan, including the free one. A test key fires a mock webhook five seconds after the checkout is created, so the integration can be finished before a real payment exists.
POST https://api.inzilink.com/api/v1/checkouts
Authorization: Bearer sk_live_…
Content-Type: application/json
{
"amount": "1200.00",
"currency": "USD",
"description": "Brand system, phase 2",
"order_ref": "inv-2041"
}{
"id": "chk_live_K3bs4EA2OJJXGOhT",
"status": "pending",
"amount": "1200.00",
"checkout_url": "https://pay.inzilink.com/c/aBcDeFgHiJ"
}POST your webhook_url
X-Inzi-Event: checkout.completed
X-Inzi-Signature: sha256=…
X-Inzi-Timestamp: 1757030400
{
"event": "checkout.completed",
"checkout_id": "chk_live_K3bs4EA2OJJXGOhT",
"data": {
"status": "completed",
"amount": "1200.00",
"payment": {
"network": "tron",
"crypto_currency": "USDT",
"tx_hash": "…",
"confirmed_at": "2026-08-04T09:12:44Z"
}
}
}In progress
In progress now. No dates attached, and none of it changes who holds the keys.
Who it fits
A European agency paying contractors in Latin America.
A digital business invoicing clients across borders.
A company with wallets on several chains, tired of fragmented balances.
Questions
- What does “you don't hold funds” mean in practice?
- The payment address belongs to your wallet. The transfer goes from your customer to that address on-chain. We create the request, read the result and write the record — there is no step where the money is ours. Set no wallet and the payment is declined.
- What happens to my money if Inzi shuts down?
- Nothing happens. The funds are already yours, in a wallet you hold the keys to. You would lose the payment links and the ledger; the balance is untouched.
- Does my customer need a crypto wallet to pay?
- They need somewhere to send stablecoins from — a wallet or an exchange account. The link accepts a transfer from either, on any of the six chains.
- If you created my wallet, whose is it?
- Yours. The key never passes through us, and you can export it and leave whenever you want. The only difference from a wallet you brought is how you reach it: an email address or Face ID instead of twelve words.
- Can I accept Bitcoin?
- No. Stablecoins only — USDC, USDT and EURC on the six chains listed above.
- Can I pay contractors, not only get paid?
- Yes. Payouts leave the same USDC balance for any supported chain, one signature per payment. Sending to a list from a file is not in the product yet.
- Which countries does this work in?
- The corridor we are built for is Latin America and Europe, and settlement is on-chain, so a payer can be anywhere they can legally send stablecoins. Local cash-out is your own arrangement.
- What does an accountant see?
- One dated feed with the counterparty, chain, asset, the rate on the transaction date and the amount in your reporting currency, exportable as CSV, Excel, or a PDF per payment. Every row carries its on-chain reference.
- What does it cost?
- A subscription — a free plan, $49 or $149 a month. We take nothing from your payments: the money does not pass through us, so there is nothing for us to take a percentage of. Your customer sends $500 and you receive $500. The network fee is the chain's, shown before the payment is made.
Issue one link and watch where the money lands.
Six chains, USDC, USDT and EURC, settling to a wallet you already control. Flat subscription, nothing on volume.