01
Time is the product tax
Multi-day settlement is still the default. Value sits idle while senders chase status and recipients wait.
The operating system for global money movement
Zunofy is a regulated payments platform that removes the waiting tax on cross-border transfers — so money moves with the speed, clarity, and control people already expect from software.
Hybrid
B2C + B2B
Instant
User-to-user rails
Live
Core payments product
Regulated
Payments platform
Problem
Cross-border money still carries a waiting tax
Settlement delays, opaque FX, and fragmented tools are treated as inevitable. For families, freelancers, and operators, that friction is a recurring tax on capital and attention.
02
Price is discovered late
Inflated margins and buried fees mean the real cost of a transfer is often known only after money has moved.
03
Control is scattered
Balances, payouts, and compliance live across tools. There is rarely one clean surface for where money is and what happens next.
Product
A payments platform, not a bank
Zunofy is building the operating layer for moving, holding, and seeing money across borders — regulated, partnered with established financial infrastructure, designed for speed and clarity.
Global remittance
Cross-border send with faster settlement and transparent pricing. Recipients receive local currency without the usual mystery delay.
Multi-currency accounts
Hold and manage balances across major currencies with real-time visibility — a single place to see what you have and where it sits.
Instant peer rails
Zuno Send moves value between users by username, instantly — the familiar experience people already expect from messaging.
Compliance by design
KYC, AML, and sanctions workflows are built into the product path, not bolted on after growth.
Individuals & families
People who send money home or manage life across borders. They want speed, fairness on fees, and confidence the transfer will arrive intact.
Businesses & operators
Teams that fund and pay globally — freelancers, platforms, small operators — who need treasury clarity and dependable payout rails.
Partner rails
Compliant on- and off-ramps for Web3 projects
Most Web3 projects give their communities a token and a story — but leave them with expensive or incomplete fiat on- and off-ramps. Zunofy closes that gap with regulated, low-cost rails that any partner community can use.
Personal virtual account
Each plan subscriber receives a dedicated virtual bank account for clean, compliant funding and settlement into USDC rails.
Sub-1% on / off-ramp
Target fee structure below 1% for converting between fiat and USDC — materially lower than typical retail on-ramp paths, with a true off-ramp path included.
Limit-based plans
Subscription tiers sized to the user’s volume and compliance limits, so access scales with legitimate activity rather than one-size-fits-all pricing.
Into the project token
Fund the Zunofy virtual account → convert to USDC at low cost → move to the relevant DEX for the project token. Pricing and status remain visible end to end.
Out of the project token
Sell the project token for USDC on the relevant DEX → off-ramp through Zunofy to the user’s bank details. Removes the missing exit rail that exists today.
Fund movement — both directions
Sub-1% railsInto the project token
Bank / Fiat
User funds
Zunofy
Virtual Account
USDC
Convert <1%
DEX
Swap
Project token
Receive
Out of the project token
Project token
Sell
DEX
Swap
USDC
Receive
Zunofy
Off-ramp <1%
Bank / Fiat
Payout
Partner deal
$ZUNO for partner communities
Community members from partner Web3 projects who take the $299 Founding Member plan (2 years of Pro at ~60% off vs. standard ≈ $35/mo pricing) receive 100 $ZUNO tokens — a clean cross-promotion that rewards conversion while keeping plan terms and token distribution under Zunofy control.
$299 · 2 years of Pro
One payment. Two full years of Pro access. Standard Pro runs ≈ $35/month. At that rate, two years is ~$840 — this locks the same access for $299, roughly 60% off. Hard-capped at 2,000 Founding Member seats. Pay once, lock the rate.
100 $ZUNO airdrop
Community members who take the plan receive 100 $ZUNO tokens issued by Zunofy. Distribution carries a 1-month cliff followed by a 1-month linear vesting period.
Vesting schedule
Tokens remain locked for the first month after qualification. After the cliff, the full allocation unlocks linearly over the following month. Simple, short, and aligned with early platform use.
What’s included
Personal virtual bank account · Multi-currency balances with real-time visibility · Instant peer transfers (Zuno Send) · Global funding & payouts · Virtual cards · Sub-1% on/off-ramp for fiat ↔ USDC corridors · Priority Founding Member access · Higher plan limits
How it is structured
Targeted at users originating from partner Web3 projects and communities. $ZUNO is issued by Zunofy. Plan terms, seat cap, and the 1-month cliff + 1-month vesting schedule remain under Zunofy control. Cross-promotion, not a joint token offering.
What the partner project gains
Standard affiliate economics (recurring commission on referred Pro subscriptions). A concrete utility to offer the community — clean fiat rails + 2 years of Pro at ~60% off (vs. ≈ $35/mo standard) + $ZUNO allocation. Reduced friction for holders who need to move in and out of the token without expensive external on-ramps.
$ZUNO utility
$ZUNO is engineered as a utility and rewards token. It anchors directly into platform use: transaction fee discounts, software capacity access, and participation in ecosystem governance.
Staking & rewards sink
A dedicated staking allocation lets holders lock tokens to earn yield and take part in governance. This creates an immediate productive use for tokens received through the partner airdrop.
Buy-back & burn loop
A portion of real platform net profits is directed into market buy-backs, with a share recycled into staking rewards and a share permanently burned. This ties token demand to actual operating performance rather than pure speculation.
How it works
Simple flow. Serious infrastructure.
The user experience stays short. The system underneath handles funding, settlement, compliance, and visibility.
Fund the account
Users connect a bank or wire funds. Balances appear in supported currencies so capital is ready to move.
Move money
Send to other Zunofy users instantly, or pay out globally. Pricing is shown before confirmation — no late surprises.
Stay in control
Balances, transfer status, and history live in one dashboard. Clarity is a product feature, not a support ticket.
Current status
Live rails. Disciplined rollout.
Core payments capability is live. Region and feature expansion is phased as infrastructure and compliance allow.
Live
Instant peer transfers
Multi-FX
Currency accounts online
Hybrid
Consumer + business demand
Phased
Region & feature expansion
What is shipping today
Instant username transfers, multi-currency accounts, virtual cards, and global funding and payouts.
How we expand
Capabilities and countries open in phases — compliance-first, infrastructure-backed, not land-grab theatrics.
Regulatory posture
Zunofy is not a bank. It is a regulated payments platform working with established financial infrastructure partners.
Early access
A limited Founding Member program — $299 for two full years of Pro (≈60% off vs. standard ≈ $35/mo pricing). Hard-capped at 2,000 seats. Priority access as the footprint grows.
Leadership
Team
Operators and builders focused on speed, clarity, and control — not noise.
Continue the conversation
For diligence questions, partnership discussions, or introductions — reach the team directly.
Zunofy is not a bank. Zunofy is a regulated payments platform that partners with established financial infrastructure providers. This page is intended for private circulation among prospective investors and network partners and is not a public offer, solicitation, or consumer advertisement.