Payy

Privacy-first EVM-compatible stablecoin chain with native zero-knowledge support and zero-fee private ERC-20 transfers.

payy.network

Zero KYC
Evidence and facts →

Privacy-first EVM-compatible stablecoin chain with native zero-knowledge support and zero-fee private ERC-20 transfers.

Common useStablecoin CardStablecoin Card / Private PaymentsOperator dataUnknown

Identity checksZero KYCNo document check recorded · identity exposure level 0/4

Evidence and riskLimited evidenceCautionCurrent source coverage is limited.; those sources show trade-offs worth reading.

Last reviewedReviewed 5 Sep 2026KYC checked 5 Sep 2026 · unknown jurisdiction · Source → official siteHow to cite this pageSource coverageLimited evidenceRecorded riskCaution

Evidence and facts

CUNICULA SCORE 4.0

35/100Limited evidencePrivacy 12/25 · Control 0/20 · Transparency 0/20 · Security 17/25 · Accountability 6/10 · Cap 69 · Method

JURISDICTIONUnknown

CAUTIONProtocol privacy does not make every Payy product private or no-KYC. Payy Network transfers can hide transaction details, but the wallet processes public keys, device and usage data, support data, an IP-based sanctions check and third-party ramp data. Payy's current site also offers card and business products and says users and businesses are KYC-verified across those products.

AUDITED BYNo audit listed

OPERATOR DATAUnknown

SOURCE COVERAGE

Limited evidenceSELF-REPORTED4/4Reviewed 5 Sep 2026 · Source → official site

LAST CHECKED2026-06-24

LAST UPDATED2026-09-05

Specs

DOCUMENT CHECKNone recorded

IDENTITY EXPOSURELevel 0/4

KYC TRIGGERSProtocol use and Payy products have different requirements. Current card and business products require KYC.

FEEZero fee for private ERC-20 transfers; other operations and integrations may require gas or provider fees

NETWORKSEVM, ERC-20

CATEGORIESStablecoin Card, Private Payments

FEATURESEthereum layer 2, Private stablecoin transfers, Zero-knowledge proofs, Payy wallet, Card and business infrastructure

TORNot listed

REGIONSGlobal availability

Review analysis, source material, related services, and history

Analysis

OVERVIEW

Payy (payylink) is a stablecoin wallet and card platform by Zeplo, Inc., offering Payy Wallet, Payy Card, Cash Links and developer infrastructure, with a $6M seed round led by FirstMark and backers including Circle and Visa.

LIMITS

The homepage frames its own traction in KYC users and businesses, and the record marks this as a comparison or warning listing rather than a no-KYC recommendation.

USEFUL FOR

For people comparing custodial, VC-backed stablecoin card products rather than searching for a no-KYC card.

Sources · reviewed 2026-07-16

Official site ↗

Corporate identity

Registry-sourced, not audited. The facts below come from cited web research rather than a direct registry query. Each claim links its own source.

LEGAL ENTITY: Zeplo Inc.source ↗
REGISTRATION NO.: 6772334source ↗
REGISTERED ADDRESS: 169 Madison Ave, STE 2680, New York, NY 10016, United Statessource ↗

Registry research · reviewed 2026-09-05

Frequently Asked Questions

Is identity verification required?

No identity verification is recorded for typical use. Protocol use and Payy products have different requirements. Current card and business products require KYC.

Which payment methods are accepted?

Accepted payment methods: EVM, ERC-20.

Where is it available?

Recorded availability: GLOBAL.

Is the operator based in a Five Eyes country?

The jurisdiction is not publicly confirmed. Check the provider site for incorporation details.

How are identity, operator, and evidence fields reported?

Identity exposure is level 0 of 4. Hosted operator data has not been established. Jurisdiction is shown as context, not a safety verdict. Source coverage is limited evidence, last reviewed 2026-09-05, and recorded risk is caution.

Which payment networks are supported?

Accepted networks: EVM, ERC-20.

Related Services

Privacy.comprivacy.comprivacy.com · Virtual Cards · US

US virtual cards locked to a single merchant.

Cunicula score25/100Source coverageCurrent KYCCaution

About Visit ↗

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Sources and history

Service history

Latest meaningful changes to the facts shown on this provider page.

5 Sep 2026
Review overdue providers against current sources
Corporate / Entity type / Citation, Corporate / Entity type / Note, Corporate / Entity type / Value, Corporate / Legal entity, and 11 more
27 Aug 2026
Reconcile score 4.0 evidence
Audited by, Card summary, Description, Evidence status, and 12 more
26 Aug 2026
Apply full-service rereview and score 4.0
Privacy warning, Score assessment

Full service history

5 Sep 2026updated
Review overdue providers against current sources
Corporate / Entity type / Citation
unknownhttps://payy.network/privacy
Corporate / Entity type / Note
Pass 1 researched this service but established no registry facts.not set
Corporate / Entity type / Value
unresolvedcompany
Corporate / Legal entity
not setZeplo Inc.
Corporate / Registered address
not set169 Madison Ave, STE 2680, New York, NY 10016, United States
Corporate / Registration number
not set6772334
Corporate / Reviewed at
2026-08-082026-09-05
Corporate / Source
registry research 2026-08-08,Official primary source review 2026-09-05
Features
EVM compatible, Stablecoin native, Native ZK proofs, Privacy layer, Zero-fee private ERC-20 transfers, Existing-wallet RPC compatibilityEthereum layer 2, Private stablecoin transfers, Zero-knowledge proofs, Payy wallet, Card and business infrastructure
KYC last checked
2026-06-222026-09-05
Kyc note
The current public chain/docs expose no identity onboarding for protocol use. Ramps, wallets and applications may impose their own account or KYC requirements.Protocol use and Payy products have different requirements. Current card and business products require KYC.
Last reviewed
2026-06-222026-09-05
Privacy warning
Protocol-level privacy does not make ramps, wallets or applications private by default. Public terms/privacy pages exposed only client shells, so operator identity, data handling and the relationship to the retired KYC wallet/card product remain unresolved.Protocol privacy does not make every Payy product private or no-KYC. Payy Network transfers can hide transaction details, but the wallet processes public keys, device and usage data, support data, an IP-based sanctions check and third-party ramp data. Payy's current site also offers card and business products and says users and businesses are KYC-verified across those products.
Source reviewed
official sitehttps://payy.network/
Updated at
2026-06-222026-09-05
Review source: official site · public history entry
27 Aug 2026updated
Close score reconciliation regressions
Jurisdiction confidence
verifiedunknown
Review source: official site · public history entry
27 Aug 2026updated
Reconcile score 4.0 evidence
Audited by
not setnone
Card summary
Stablecoin wallet, card and payment rails.EVM stablecoin chain with native ZK privacy.
Description
Stablecoin wallet, card, Cash Links and developer platform, with KYC applied to its users and businesses.Privacy-first EVM-compatible stablecoin chain with native zero-knowledge support and zero-fee private ERC-20 transfers.
Evidence status
verifiedlimited
Features
USDC, Visa card, Private transfers, KYC users, Developer platformEVM compatible, Stablecoin native, Native ZK proofs, Privacy layer, Zero-fee private ERC-20 transfers, Existing-wallet RPC compatibility
Fee
FreeZero fee for private ERC-20 transfers; other operations and integrations may require gas or provider fees
Jurisdiction
US??
KYC requirement
fullnone
KYC level
40
Kyc note
Official homepage explicitly frames traction in KYC users and businesses; this is not a zero-KYC card/link product.The current public chain/docs expose no identity onboarding for protocol use. Ramps, wallets and applications may impose their own account or KYC requirements.
Limits / Daily
5000not set
Networks
visa, applepay, googlepayEVM, ERC-20
Score assessment / Control model
decentralizedunknown
Score assessment / Operator data exposure
extensiveunknown
Score assessment / Source model
closedunknown
Score review
not setOutcome: HOLD; Checked at: 2026-08-27; Inputs: Operator data exposure: unknown; Control model: unknown; Source model: unknown; Audit: Score eligible: no; Reason: No dated, scoped independent audit of the score-critical core was evidenced; no audit points are granted.
Review source: official site · public history entry
26 Aug 2026updated
Apply full-service rereview and score 4.0
Privacy warning
Stablecoin/card product with KYC users, VC backing and Visa/card rails. Keep only as a warning/comparison provider profile, not as a no-KYC recommendation.Protocol-level privacy does not make ramps, wallets or applications private by default. Public terms/privacy pages exposed only client shells, so operator identity, data handling and the relationship to the retired KYC wallet/card product remain unresolved.
Score assessment
not setOperator data exposure: extensive; Control model: decentralized; Source model: closed
Review source: official site · public history entry
9 Aug 2026updated
Corporate registry information updated
Corporate / Entity type
not setunresolved
Review source: official site · public history entry
8 Aug 2026updated
Corporate registry information updated
Corporate
not setOfficers: none; Prior entities: none
Review source: official site · public history entry
8 Aug 2026updated
Provider summary rewritten
Description
Private stablecoin wallet, card and infrastructure platform. Current site says Payy operates KYC users/businesses and offers Payy Wallet, Payy Card, Cash Links and developer infrastructure.Stablecoin wallet, card, Cash Links and developer platform, with KYC applied to its users and businesses.
Review source: official site · public history entry
7 Aug 2026updated
Provider summary rewritten
Card summary
not setStablecoin wallet, card and payment rails.
Review source: official site · public history entry
6 Aug 2026updated
Provider presentation updated
Best for
General usagenot set
Evidence status
not setverified
Recorded risk
not setcaution
Trust level
dangernot set
Review source: official site · public history entry
24 Jun 2026updated
Provider facts reviewed and updated
Checked at
2026-06-222026-06-24
Review source: official site · public history entry
23 Jun 2026updated
Provider facts reviewed and updated
Categories
Virtual/Physical VisaStablecoin Card, Private Payments
Checked at
2025-09-012026-06-22
Countries
AUGLOBAL
Description
Use crypto to pay or cash out; Instant & Visa. (Light KYC)Private stablecoin wallet, card and infrastructure platform. Current site says Payy operates KYC users/businesses and offers Payy Wallet, Payy Card, Cash Links and developer infrastructure.
Domain
payy.linkpayy.network
Features
Virtual & Physical, Apple/Google Pay, InstantUSDC, Visa card, Private transfers, KYC users, Developer platform
Jurisdiction
not setUS
Jurisdiction confidence
unknownverified
KYC requirement
lightfull
KYC last checked
2025-09-012026-06-22
KYC level
04
Kyc note
Expect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.Official homepage explicitly frames traction in KYC users and businesses; this is not a zero-KYC card/link product.
Last reviewed
2025-09-012026-06-22
Name
PayyLinkPayy
Privacy warning
ZERO PUBLIC FOOTPRINT: No company profile, no founders, no investors, no reviews, no regulatory filings found in any search. A financial service with essentially no indexed web presence is a significant red flag. Do not use for sensitive operations.Stablecoin/card product with KYC users, VC backing and Visa/card rails. Keep only as a warning/comparison provider profile, not as a no-KYC recommendation.
Source reviewed
older source, not independently verifiedofficial site
Trust level
unvetteddanger
Updated at
2026-03-132026-06-22
Url
https://payy.linkhttps://payy.network/
Review source: official site · public history entry
22 Jun 2026updated
Ship trust audit remediation pass
Jurisdiction confidence
not setunknown
KYC last checked
not set2025-09-01
Last reviewed
not set2025-09-01
Source reviewed
not setolder source, not independently verified
Review source: older source, not independently verified · public history entry
7 Apr 2026updated
Drop warrantCanary trust signal
Warrant canary
nonot set
Review source: source not recorded · public history entry
29 Mar 2026updated
KYC risk level system + advanced directory filters
KYC level
zero0
Review source: source not recorded · public history entry
14 Mar 2026updated
Offline status bug, vetted grid, news/projects img tags
Status
liveok
Review source: source not recorded · public history entry
14 Mar 2026updated
Provider presentation updated
Fee
not setFree
Trending
not setno
Updated at
not set2026-03-13
Votes
0not set
Review source: source not recorded · public history entry
12 Mar 2026updated
Provider facts reviewed and updated
Privacy warning
not setZERO PUBLIC FOOTPRINT: No company profile, no founders, no investors, no reviews, no regulatory filings found in any search. A financial service with essentially no indexed web presence is a significant red flag. Do not use for sensitive operations.
Review source: source not recorded · public history entry
10 Mar 2026updated
Provider facts reviewed and updated
Best for
not setGeneral usage
Kyc note
not setExpect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.
Tagline
not setA custodial or semi-custodial financial service.
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/payylinknot set
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/payylink
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/payylinknot set
Twitter
https://x.com/payylinkhttps://x.com/payy_link
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/payylink
Twitter
not sethttps://x.com/payylink
Review source: source not recorded · public history entry
8 Mar 2026updated
Trust fields for all 77 services + provider page trust display
Audited by
not setnot set
Jurisdiction
not setnot set
Trust level
not setunvetted
Warrant canary
not setno
Review source: source not recorded · public history entry
22 Sep 2025updated
Describe the change
Description
PayyLink — payy.linkUse crypto to pay or cash out; Instant & Visa. (Light KYC)
Review source: source not recorded · public history entry
2 Sep 2025created
Init
Provider profile
not setcreated
Review source: source not recorded · public history entry

Only fields shown on the provider page are tracked. Private identifiers are never published.

Evidence basis: Claims on this page are linked to published sources for comparison, not certification, audit, endorsement, or recommendation; read the methodology and coverage map before relying on an entry.