0 fiat provides a browser extension that lets users pay online merchants with stablecoins such as USDT and USDC across ERC‑20, BEP‑20, TRC‑20 and SPL networks. The tool supports over 190 stores in more than 45 countries, works with popular wallets like MetaMask, and charges no transaction fees while offering discounts of up to 14 % on purchases. It enables seamless, KYC‑free crypto checkout without the need for a crypto card or bank account.
Funding
Funding not disclosed
Founders
Product
Problem
Crypto users can hold stablecoins but lack a simple, fee‑free way to spend them directly at online merchants, forcing reliance on exchanges, crypto cards, or KYC‑heavy solutions that add friction and hidden costs.
Solution
0 fiat offers a browser extension that integrates with popular non‑custodial wallets (e.g., MetaMask) to enable direct checkout with USDT or USDC on supported e‑commerce sites. The extension works across ERC‑20, BEP‑20, TRC‑20, and SPL networks, allowing users to pay in stablecoins without converting to fiat or using a crypto card. Transactions incur zero issuance, transaction, or maintenance fees, and merchants receive payment through standard fiat rails, preserving their existing checkout experience. Users can access discounts of up to 14% at over 190 stores in more than 45 countries, all without KYC verification.
Target Audience
Primary users are crypto‑savvy consumers who hold USDT or USDC and want to spend them directly at online retailers, as well as merchants seeking a frictionless way to accept stablecoin payments without altering their checkout infrastructure.
Features
- Browser extension that appears at checkout and routes stablecoin payments in a few clicks
- Multi‑network support for ERC‑20, BEP‑20, TRC‑20, and SPL blockchains
- Compatibility with a wide range of wallets, including MetaMask and other Chromium‑based extensions
- Zero fees on all transactions; users pay only the crypto amount equivalent to the purchase
- Optional merchant discounts up to 14% for payments made via the extension
- Non‑custodial design: funds remain in the user’s wallet until payment approval
- End‑to‑end encryption and encrypted settlement through existing fiat payment rails