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Sending money from a US business card to a Swiss company accepting CHF shouldn’t cost over 10% — but it does. That’s the price of relying on a fragmented, outdated financial system built on layers of hidden fees, FX markups, and slow-moving intermediaries. It’s not innovation, it’s inertia. Blockchains, not cryptocurrencies, replace that mess with instant, direct, and borderless payments at a fraction of the cost.

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Our mission

Rethink how merchant unit economics work, replacing multiple legacy hops for one transaction with one cryptographic signature to move billions of dollars across borders in the blink of an eye.

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In short, 402pay enables you to

Accept cross-border payments — With one single API, less than 60 seconds and a few lines of code you can start accepting payments from any part of the globe, both through FIAT and Cryptocurrencies. Our solution makes it easy for businesses and individuals to quickly get started. Self-custody your cryptos — Our platform revolves arund the secure infrastructure of our non-custodial wallet. Every payment is routed directly to your private keys not shared with anyone. No “trusted” TEEs, your keys never reach your device, we do not generate them. Issue on-demand wallets — If you’re a platform looking to onboard your users to crypto, you can leverage our self-custody solution to create on-demand wallets for your users, enabling them to store, receive and send crypto assets whilst also using other functionalities such as Ramps and Swaps.