Friends sending funds on their phones at a sunlit terrace
ZZono Pay
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Closed-loop multi-currency network

Send money member to member in seconds.

Hold USD, EUR, and GBP balances, pay anyone by @username or email, and settle requests instantly — with zero bank links or cards.

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Instant @username transfers

Look up any Zono Pay member by name, @username, or email and transfer funds with a note in one step.

USD, EUR & GBP wallets

Every account carries dedicated US Dollar, Euro, and British Pound balances with an itemized ledger.

Member-to-member payments

Send and receive funds directly within Zono Pay, without connecting external banks or payment cards.