Zela Pay: Stablecoin Payment

Send money with a phone number. That's the whole idea.

Zela turns your phone number into your payment address. Type the number, enter an amount, hit send — the money arrives in seconds. No 44-character wallet addresses. No account details to copy and paste. No waiting three business days.

WHAT YOU CAN DO

Pay anyone, even if they don't have Zela
Send to any phone number. If they're already on Zela, the money lands immediately. If they're not, they get an SMS with a secure link to claim it — so you're never blocked by someone else's setup.

Get paid without sharing an address
Share your Zela number, show your QR code, or send a payment link. Anyone can pay you from anywhere.

Send payment requests that look professional
Freelancer, tutor, tailor, photographer, delivery rider — create a request with an amount, a description and a category, then share the link over WhatsApp, SMS or email. Categories include Design, Development, Writing, Video and Photo, Consulting, Delivery, Repair, Tuition, Rent and Bills, Events and Food.

Hold dollars, not volatility
Keep your balance in USDC or USDT — digital dollars that hold their value — and see the equivalent in your local currency on every transaction.

Swap in a couple of taps
Move between SOL, USDC and USDT without leaving the app. Swaps are routed through Jupiter, the largest liquidity aggregator on Solana, so you get a competitive rate on every trade.

Everything on one screen
Your balance, your recent activity and your full transaction history, with local currency equivalents on every line.

YOUR KEYS, YOUR MONEY

Zela is a self-custody wallet. Your funds sit on the Solana blockchain and only you can move them. We don't hold your balance, and we can't freeze it, lend it out or spend it.

FAST SETTLEMENT, SMALL FEES

Solana settles transactions in seconds for a fraction of a cent, so sending a small amount costs roughly the same as sending a large one. Zela adds a clearly displayed service fee on transfers — you always see the exact total before you confirm anything.

WHO ZELA IS FOR

- Freelancers and creators invoicing clients in other countries
- People sending money to family and friends abroad
- Small businesses collecting payments without a card terminal
- Anyone who wants to hold digital dollars and actually spend them

GETTING STARTED

1. Download Zela and verify your phone number
2. Top up, or simply receive your first payment
3. Send, request or swap — in seconds

IMPORTANT

Zela is a non-custodial wallet, not a bank. Digital assets carry risk, their value can change, and balances are not covered by deposit insurance. Blockchain transactions are final and cannot be reversed, so always check the number before you send. You are responsible for keeping your recovery details safe — if you lose them, no one can restore your access for you.

Questions, bugs or feature requests? Reach us at [[email protected]] — we read everything.