Dollars, held by you
Coming soon to iPhone & Android
A balance in plain dollars, a name instead of an account number, and money that lands while you are still looking at the screen.
Five taps from an empty balance to money in someone else's hands.
Top up with the card already in your wallet. No bank transfer, no waiting days for a deposit to clear — the balance moves while the sheet is still open, and every fee is itemised on the receipt before you confirm.
Pay anyone by @tag, email or phone. Between members it is instant and free — we cover the network cost.
Show your code and they scan it. Request a set amount with a note, and their screen opens already filled in.
Paying an address outside Zuvo works too, across Polygon, Ethereum and Arbitrum, with the cost quoted up front.
Every transaction says who, when, how it was paid and what each fee was for — not a reference code you have to call someone about.
Scan a merchant's checkout code and the amount, the business and the total are already there.
Sign in with email, phone or a passkey. The wallet is made on your device and the keys never leave it.
Pick the @tag people will pay you at. It is the only thing you ever have to give out.
Top up with Apple Pay or Google Pay, then send to a tag, a QR code or any address.
The balance is real dollars held as USDC on Polygon, one to one, settled on a public chain rather than an entry in our database. The keys live on your phone — you can export them and walk away at any time, and the balance comes with you.
Zuvo is in final testing. It lands on the App Store and Google Play shortly — the features above are what ships on day one.