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Zypto review

Zypto, a contender in the crypto payments arena, boldly positions itself as ‘the world’s most advanced crypto payments app’ and a crypto based competitor to PayPal, Venmo, and Cash App.

About Zypto

Zypto, an upcoming cryptocurrency application for Web, IOS and Android that boldly asserts itself as ‘The world’s most advanced crypto payments app, a claim that certainly raises eyebrows. However, the project’s association with FCF Pay, the powerhouse behind our #1 rated crypto payment gateway, adds a layer of credibility to this ambitious statement.

In this Zypto review, we will delve into the various functionalities Zypto aims to offer in the realm of cryptocurrency payments. These include a comprehensive crypto payment gateway, a decentralized wallet, a centralized wallet, crypto credit cards, crypto gift cards, and much more. We conclude by providing a brief guide on how you can be among the first users of Zypto.

Anticipated with excitement, Zypto has officially set its beta release for December 27th and the official release in Q1 2024. As trusted reviewers in the crypto payment gateway space, we’ve been granted beta access, enabling us to provide the latest updates on this app set to revolutionize the crypto payment landscape. Stay tuned for an in-depth exploration of Zypto’s features and functionalities as we provide a sneak peek into the future of crypto payments.

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 payment gatway

Zypto’s crypto payment gateway is designed to provide seamless transactions for merchants and customers using cryptocurrencies. Leveraging the expertise of the Zypto team, known for creating FCF Pay, currently our top-rated crypto payment gateway, the Zypto payment gateway represents an enhanced version with improved interfaces and user-friendliness.

As an improved counterpart to FCF Pay, the Zypto payment gateway is expected to offer:


  • Very Low Transaction Fees: With fees as minimal as 0.5%, Zypto aims to provide a cost-effective solution for crypto transactions.
  • Extensive Cryptocurrency Support: Supporting over 80 cryptocurrencies, Zypto ensures versatility and broad compatibility for users.
  • Easy Integrations: The gateway promises 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 improved payment gateway is user-friendly, cost-effective, and widely compatible, making it a promising choice for those entering the world of crypto transactions.

2. Crypto wallet

The Zypto app will be 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. 


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.


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

3. 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

4. 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.

5. Crypto gift cards

The Zypto app will allow 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

6. Crypto bill payments

Finally, Zypto also introduces 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.

How to get early access?

As we eagerly anticipate the official launch of Zypto in Q1 2024, it’s important to note that direct account registration for Zypto isn’t currently available. However, we recommend taking a proactive approach by registering for an FCF Pay account. Given that FCF Pay is at the core of Zypto, all FCF Pay accounts will seamlessly transition to Zypto upon its 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.

Zypto release date
Crypto PSP's