What Zypto does

Zypto SP ZOO VASP is a Polish-registered (Lodz) cryptocurrency technology company operating a non-custodial, multi-chain DeFi wallet ecosystem centered on the Zypto App. The platform supports 20+ blockchain networks and 24,000+ tokens, aggregating cross-chain swap liquidity from major DEXes (Uniswap, PancakeSwap, Raydium, Shibaswap, Aftermath Finance, SunSwap) and routing engines (SwapKit, ChangeNOW, LetsExchange, Onramper) across more than 1 million routing paths, with Chainlink CCIP powering decentralized cross-chain bridging. The product surface spans the Zypto App (self-custody wallets, Web3 access via WalletConnect), Zypto Pay (merchant crypto payment gateway with 0% merchant-side processing fees for 100+ cryptocurrencies), Zypto VISA Cards (physical/virtual prepaid crypto cards with up to $1M spending power), the Vault Key Card (NFC-based cold storage in card form factor with split-key security), Rewards Hub with ZYP points and $ZYPTO token, plus utility modules for bill payment (120+ countries), mobile top-ups (170+ countries, 800+ operators), gift cards, and USDC-to-cash via MoneyGram (140+ countries).

The company serves two primary segments: individual crypto holders seeking real-world spending, multi-chain management, and DeFi access; and B2B clients (crypto exchanges, neobanks, Web3 projects) that license Zypto's white-label card and payment infrastructure. GTM is primarily product-led via the Apple App Store and Google Play Store, augmented by channel partnerships — notably the flagship KuCoin Pay integration — and community-driven growth through ZYPTopia, referrals, and social channels (Telegram, X, Reddit, YouTube). Revenue is generated through card reload fees, premium card sales (Vault Key Card), white-label licensing on multi-year contracts, and $ZYPTO/ZYP token ecosystem utility, though no revenue figures are publicly disclosed. The company is co-founded by Joe Parkin, operates with 11–50 employees, and is restricted from serving Canada and the United Kingdom.

Name

Zypto

Legal name

Zypto SP ZOO VASP

Website

https://zypto.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Zypto is a Polish-registered cryptocurrency technology company offering a multi-chain DeFi wallet app with 20+ blockchain support, crypto Visa cards, NFC cold storage, merchant payments, bill pay, and white-label infrastructure for retail users and crypto businesses across 190+ countries.

Ownership category

akta.pro rank

Product category

Cryptocurrency Wallet & Payment Platform

NAICS

Credit Card Issuing (52221), Consumer Lending (522291)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Self-Custody Wallets (Consumer & Institutional) (FSADACAE)

akta.pro secondary industries

Super-App Wallets & Mini-Program Payments (FSAMAEAE), POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), Digital Gift Cards, Vouchers & Stored-Value (Crypto) (FSADAIAN), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG)

Keywords

• Crypto wallet app
• Crypto payment gateway
• DeFi wallet
• Crypto debit cards
• Cross-chain swaps

Headquarters

HQ city

Lodz

HQ country

Poland

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Crypto Card Reload Fees: Fees charged when users reload their crypto card balances, representing a per-transaction revenue stream. No specific fee amount is disclosed publicly.
2. Premium/Custom Card Services: Revenue from premium card tiers (e.g., Vault Key Card) and custom card programs that may carry membership or issuance fees.
3. ZYP Token Ecosystem: Native token utility likely includes staking, governance participation, fee discounts, and reward redemption within the Zypto ecosystem, generating demand for ZYP tokens.
4. White-Label Licensing (B2B): Crypto exchanges, neobanks, and Web3 projects pay for white-label access to Zypto's card infrastructure, API, and backend systems to issue branded physical and virtual cards to their users.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Zypto operates a multichain DeFi wallet app (Zypto App) that consolidates self-custody wallets, cross-chain token swaps, crypto spending cards, bill payments, mobile topups, gift cards, and a rewards ecosystem across 20+ blockchains and 24,000+ tokens. It also sells a hardware cold-storage card (Vault Key Card), a merchant payment gateway (Zypto Pay), institutional custody, and white-label crypto card/payment infrastructure for exchanges, neobanks, and Web3 projects.

Product overview

Zypto is a cryptocurrency technology company offering a unified product ecosystem centered on the Zypto App—a multichain DeFi wallet that serves as the core platform. The ecosystem integrates 20+ blockchain networks supporting 24,000+ cryptocurrencies, enabling users to buy, sell, trade, swap, and spend crypto across chains. The platform's key modules include Zypto Pay (crypto payment gateway for merchants), Zypto VISA Cards (physical and virtual prepaid crypto cards with up to $1M spending power), the Vault Key Card (NFC-based cold storage solution), the Rewards Hub with ZYP token and Zyptopia program, Gift Card Marketplace, Crypto Bill Pay, Mobile Topups, and USDC-to-Cash via MoneyGram. White Label Crypto Solutions enable businesses to deploy branded crypto payment products. The architecture is designed as a unified app with modular features that interconnect—wallets feed into cards, cards earn rewards through the Hub, cross-chain swaps power DeFi activity, and KuCoin Pay extends CeFi-DeFi connectivity.

Differentiator

Problem solved

Functional benefit

Brands

• Vault Key Card (VKC): Cold storage hardware wallet card using NFC technology for secure transaction authorization. Supports up to 3 wallets with split-key technology and optional biometrics.
• ZYP Rewards
• Zypto VISA Cards
• Zypto Pay

Products and services

• Zypto App A multichain DeFi wallet app combining secure self-custody wallets, cross-chain swaps, crypto spending tools, and rewards in one platform supporting 24,000+ cryptocurrencies across 20+ blockchains; aimed at individual crypto users.
• Zypto VISA Card Physical and virtual prepaid crypto cards accepted wherever Visa is accepted, supporting up to $1M spending power, $175K per-swipe limit, $0 monthly fee on Premium Card, and instant loading with 100+ cryptocurrencies.
• Vault Key Card (VKC) A mobile-first cold storage solution in credit card form factor using NFC tap-to-approve authorization. Keeps wallets offline until tapped, supports up to 3 wallets per card, and provides split-key security with optional biometrics.
• Rewards Hub (ZYP) A rewards system where users earn ZYP points (1000 ZYPs = $1 USD) for activities including swapping, referrals, card loads, bill payments, and $ZYPTO token holding, redeemable for crypto cards, gift cards, bills, mobile topups, and Vault Key Card purchases.
• Zypto Pay (Crypto Payment Gateway) A crypto payment gateway enabling merchants to accept cryptocurrency payments with 0% merchant-side processing fees, 0% setup fees, and fast borderless transactions supporting 100+ cryptocurrencies; targeted at merchants and businesses.
• Gift Card Marketplace A marketplace for purchasing thousands of gift cards from global brands like Amazon, Adidas, Xbox, and Uber using over 100 cryptocurrencies with instant delivery.
• Crypto Bill Pay A service enabling users to pay credit cards, utility bills, loans, and mortgages with cryptocurrency (Bitcoin, Ethereum, and 100+ other coins) available in over 120 countries.
• Mobile Topups A service for recharging mobile numbers, buying data, and sending prepaid bundles in over 170 countries using over 100 cryptocurrencies through 800+ network operators.
• USDC-to-Cash A service bridging USDC and local currencies globally, enabling cash-out in over 140 countries and cash-in in over 40 countries at participating MoneyGram locations without requiring a bank account.
• White Label Crypto Solutions White label crypto platform enabling companies and projects to offer cryptocurrency payment products including payment gateway, crypto cards, bill payments, and gift cards without building their own infrastructure; targeted at crypto exchanges, neobanks, and Web3 projects.
• Crypto Custody Services Institutional-grade crypto custody services providing security, compliance, and control for digital assets at scale; targeted at institutional clients and businesses.
• Multi-Chain Wallets Self-custody DeFi wallets supporting creation, import, and management of unlimited wallets across multiple blockchains with access to dApps via Web3 browser and WalletConnect.

Quantifiable outcome

• Available in 190+ countries, supporting 25 languages
• +1 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature6 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• KuCoinflagshipGTM or Marketing Partner · 1 January 2024A strategic partnership integrating Zypto's services with KuCoin Pay, enabling KuCoin's user base to access Zypto's crypto spending, cross-chain swaps, and bill payment features directly through the KuCoin platform. This is one of Zypto's most prominent distribution partnerships.
• MoneyGramcoreStrategic or Co-development PartnerMoneyGram is listed as an Official Partner on Zypto's website, enabling USDC to cash conversion services. This partnership provides a critical off-ramp for Zypto users, allowing them to convert stablecoins to fiat cash through MoneyGram's global network.
• Stellar Development FoundationcoreStrategic or Co-development PartnerThe Stellar Development Foundation is listed as an Official Partner, likely related to Stellar (XLM) network integration and cross-border payment capabilities within the Zypto ecosystem.
• SumsubcoreTechnology or IntegrationSumsub provides KYC (Know Your Customer) verification services for Zypto's user onboarding, ensuring regulatory compliance and identity verification for card issuance and wallet creation.
• Chainlink CCIPcoreTechnology or IntegrationChainlink's Cross-Chain Interoperability Protocol (CCIP) powers Zypto's cross-chain messaging and asset transfer capabilities, providing secure blockchain interoperability infrastructure.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BitPay: Long-standing crypto payment gateway and BitPay Card issuer enabling merchants and consumers to transact in crypto. Comparable payment-gateway positioning (Zypto Pay) and card-issuance business, serving as a broader incumbent in the crypto-fiat bridge space.
• Crypto.com App: Full-stack crypto platform combining self-custody wallet with a major Visa card program and spending ecosystem. Targets the same use case (spend crypto anywhere) as Zypto but operates at a vastly larger scale across centralized exchange, card, and DeFi products.

Direct peers

• Guarda Wallet: Multi-chain non-custodial wallet with built-in crypto-to-fiat purchase, swap, and staking features. Directly comparable multi-chain wallet functionality targeting retail crypto users with similar fiat-ramp integrations.
• Wirex: Crypto wallet paired with a regulated Visa/Mastercard debit card enabling real-world spending across 130+ countries. Closely aligned card-issued-from-wallet model with comparable geographic reach and bill-pay-adjacent features.
• MetaMask: Most widely used self-custody Ethereum/EVM wallet with expanding multi-chain and swap functionality via MetaMask Portfolio. Directly comparable DeFi aggregator role, though Zypto differentiates with integrated card and bill payments.
• Trust Wallet: Self-custody multi-chain DeFi wallet supporting swaps, staking, and dApp access across dozens of chains. Closely comparable to Zypto's core wallet functionality; key differentiator is Binance distribution versus Zypto's broader real-world spending/payments layer.
• SafePal: Self-custody crypto wallet offering mobile app and hardware wallet (S1) plus a crypto-backed Visa card. Closely comparable product stack combining wallet, hardware custody, and card spending to serve retail crypto users.
• Exodus Wallet: Multi-asset self-custody wallet with built-in swaps, staking, and a crypto debit card product (with similar Powered by Mesh partnership model). Closely comparable consumer wallet-plus-card proposition targeting the same individual crypto-user segment.

Emerging players

• Tangem: Hardware cold-storage wallet in credit-card form factor with NFC tap-to-sign, conceptually closest to Zypto's Vault Key Card. Comparable niche within the secure-key-storage category, though Tangem focuses solely on hardware rather than the full-app-plus-card ecosystem.
• Phantom Wallet: Multi-chain self-custody wallet originating on Solana with expanding EVM support, swaps, and staking. Comparable self-custody multi-chain infrastructure, though Zypto's card + bill-pay extend well beyond Phantom's current scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ZyptoApp
• YouTubeyoutube.com/@ZyptoApp/videos
• Facebookfacebook.com/Zypto-App-61557738583941
• LinkedInlinkedin.com/company/zypto

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zypto