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Zypto review

Zypto, an all-in-one crypto payments app, is the best crypto application we have ever reviewed and a true crypto based competitor to PayPal, Venmo, and Cash App.

About Zypto

Zypto is a cryptocurrency application for Web, IOS and Android that boldly asserts itself as ‘The world’s most advanced crypto payments app’. While such a claim may raise eyebrows at first glance, a closer look at what Zypto has already achieved paints a compelling picture. Notably, Zypto’s crypto payment gateway which has ascended to the top spot as our #1 rated crypto payment gateway, a testament to its excellence in the field. Therefore, we are not surprised that Zypto has also emerged as our best-reviewed crypto application ever.


In this Zypto review, we will delve into the various functionalities Zypto offers in the realm of cryptocurrency payments. These include a comprehensive crypto payment gateway, a decentralized wallet, a centralized wallet (to be released), crypto credit cards, crypto gift cards, and much more, all within one mobile app. We conclude this Zypto review by providing a brief guide on how you can get the Zypto app to experience it yourself.


Having had the opportunity to explore Zypto firsthand during its beta phase and thereafter, we’ve gained valuable insights into its capabilities and potential. As trusted reviewers within the crypto payment gateway space, we invite you to join us on this journey as we uncover the exciting future of crypto payments with Zypto. 

Zypto Mobile App

Functionalities of Zypto

The Zypto app provides their users with many user-friendly functionalities so crypto enthousiasts can use crypto in their everyday life.  The functionalities we go over in this Zypto review include:


1. Crypto wallet

The Zypto app is incorporated with 2 types of wallets. A decentralized (DeFi) wallet, similar to Trust Wallet or Metamask, and a centralized (CeFi) wallet similar to an exchange wallet like Binance and Coinbase. Currently, only the DeFi wallet has been released.


Decentralized wallet

Zypto’s decentralized wallet mirrors the features of renowned platforms such as Trust Wallet or Metamask, providing users with a secure and autonomous space to store their cryptocurrencies. This type of wallet operates independently of any central authority, enhancing security and ensuring users have full control over their digital assets. Through the decentralized wallet, Zypto empowers users to engage with the decentralized finance (DeFi) ecosystem, participate in decentralized exchanges, and explore the vast landscape of blockchain-based applications, all while maintaining the highest security and privacy.


The DeFi wallet is incorporated with many useful features:


  • In-app browser (dApp browser) to surf the web and conduct crypto transactions
  • Cross-chain swaps to easily exchange one crypto to another within seconds
  • Contact lists, so you can send crypto by using a name instead of using a hard to remember wallet address. 

Centralized wallet

In contrast to the decentralized counterpart, Zypto’s centralized wallet is comparable with conventional exchange wallets, such as Binance and Coinbase spot wallets. However, Zypto distinguishes itself by offering compelling advantages:


  • Feeless Transactions: One standout feature of Zypto’s centralized wallet is the absence of transaction fees. This means users can conduct transactions within the wallet without incurring any additional costs.
  • Send crypto by mail or phone: Zypto simplifies the process of sending cryptocurrencies by enabling users to use email or phone numbers for transactions, which eliminates the need for those long wallet addresses.
  • Instant Transactions: Another notable advantage is the speed of transactions. Zypto’s centralized wallet facilitates instant transfers, providing users with real-time access to their funds.


These functionalities collectively position the Zypto CeFi wallet as a crypto-friendly alternative to mainstream payment platforms like Venmo, Cash App, or PayPal. With feeless transactions and a user-friendly approach to transfers, Zypto aims to provide a more accessible and cost-effective solution for individuals navigating the world of digital currencies.


Zypto wallet closing thoughts

Ultimately, this dual wallet approach means Zypto users can have the best of both worlds. Privacy and safety from the DeFi wallet and instant feeless transactions from the CeFi wallet. These wallets can be used interchangeably. For example, one could use the DeFi wallet as their savings account and the CeFi wallet as a payment account.

Zypto Wallet

2. Exhange crypto

Besides providing crypto wallets, Zypto also provides a way to add funds to these wallets. Users can seamlessly add assets to their wallets through convenient options such as cards or bank account transfers. Furthermore, Zypto facilitates the exchange of assets, allowing users to convert their cryptocurrencies into fiat currencies with ease.

Zypto Exchange

3. Crypto debit cards

Zypto will provide a range of debit card options, both virtual and physical, designed to facilitate the easy utilization of cryptocurrency funds for everyday transactions. These crypto debit cards offer a secure and convenient means for users to make purchases at any merchant that accepts debit or credit cards.


Virtual debit cards

Zypto’s virtual debit cards feature a $10,000 limit and a streamlined process that eliminates the need for KYC (Know Your Customer) verification. This allows users to swiftly obtain and use virtual debit cards without the hassle of extensive verification procedures. Available globally, these virtual cards enable users from various countries to access and benefit from their versatile features.


Physical debit cards

For users requiring a higher spending limit and willing to undergo full KYC verification, Zypto offers physical debit cards. With an elevated limit of $175,000, these physical cards provide users with increased flexibility for their transactions. The comprehensive KYC verification process ensures regulatory compliance and enhances overall security. Users can also enjoy full customization options, selecting between plastic, metal, or carbon card materials for delivery.

4. Crypto gift cards

The Zypto app allows their users to buy any of over 8.500 giftcards using cryptocurrencies. These versatile cards, supported globally, span an extensive range of popular brands including tech giants like Apple and Amazon, ride-sharing services such as Uber, gaming platforms like Playstation, entertainment streaming on Netflix, and thousands more.

Zypto Gift Cards
Zypto Bill Payments

5. Crypto bill payments

Zypto also offert the Crypto Bill Payments feature, enabling users in the USA to effortlessly settle bills with over 20,000 US-based companies. This streamlined service covers a diverse range of bill categories, ensuring Zypto users can manage their financial commitments with unparalleled ease.

Explore the possibilities across various bill categories:


  • Utility Bills: Effortlessly handle utility bills with major providers such as Exelon, Duke Energy, NextEra Energy, and a host of others.
  • Mortgage Payments: Navigate the world of mortgage payments with ease using Zypto. The platform supports payments to major institutions including Chase, HSBC, Bank of America, and more.
  • Car Payments: Ensure your vehicle-related expenses are managed seamlessly with Zypto’s Crypto Bill Payments. From renowned brands like Tesla, Honda, BMW, Mercedes, and more.
  • And Many More: Beyond utility bills, mortgages, and car payments, Zypto extends its Crypto Bill Payments to many services. Whether it’s insurance premiums, subscription services, or any other financial commitments, Zypto offers a way to pay it with crypto.

6. Crypto payment gatway

Finally, Zypto has developed a crypto payment gateway, designed to provide seamless transactions for merchants and customers using cryptocurrencies. In this Zypto review we only give a short summary of the gateway and merchants or individuals interested in the full review can read our Zypto Pay review. Currently holding the top spot as our #1 rated gateway, Zypto’s success is owed to its feature-rich design and exceptionally low transaction fees. Here’s a brief overview of what makes Zypto Pay shine:
  • Very Low Transaction Fees: Zypto stands out with its minimal transaction fees starting at just 0.5%, offering a cost-effective solution for crypto transactions.
  • Extensive Cryptocurrency Support: With support for over 80 cryptocurrencies, Zypto ensures versatility and broad compatibility for users, accommodating a wide range of digital assets
  • Easy Integrations: The gateway offers seamless integration with popular platforms such as WooCommerce, Magento, Prestashop, and more, making it accessible for a wide range of merchants.


In summary, Zypto’s crypto payment gateway is user-friendly, cost-effective, and widely compatible, making it a great choice for those entering the world of crypto transactions.

How to get early access?

As we eagerly anticipate the official launch of Zypto in may 2024, it’s important to note that direct account registration within the Zypto app isn’t currently available. However, we recommend taking a proactive approach by registering using their merchant platform. All Zypto (merchant) accounts will seamlessly transition to the Zypto app upon its full launch. Be rest assured, you will receive prior notification, ensuring you’re among the first users to explore the new app and its innovative features. So, consider this early sign-up not just as a preparatory step, but as a deliberate move to be at the forefront of Zypto’s exciting journey.

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