ZerôPâŷ Money
Payments that dont wait for Network
Details
- External ID
- 1246894
- Source
- PH
- Company
- —
- Product
- ZerôPâŷ Money
- Website domain
- producthunt.com
- Launched
- Sept. 11, 2026
- Cohort
- —
- Upvotes
- 2
- Upvotes percentile
- 0.7405388069275176
- Tags
- Fintech, Payments, Artificial Intelligence
- Fetched at
- Sept. 12, 2026, 5:46 p.m.
- Updated at
- Sept. 12, 2026, 5:46 p.m.
Description
ZeroPay Money is an offline-first payment protocol for the 1.4B unbanked worldwide, incl. 38M in Nigeria. Our terminal signs transactions offline using ECC P-256 crypto, anchored to a silicon-level PUF for tamper-proof hardware identity, with distance-bounding checks against relay attacks. Transactions sync automatically once connectivity returns (up to 72hrs offline). Formally verified via TLA+. Live: a working Paystack integration plus a self-funded crowdfunding round for our first terminals.
Enrichment
- Theme
- payments, billing, and wallet infrastructure
- Vertical
- Fintech
- Function
- Vertical SaaS
- Audience
- B2B
- AI stance
- Not AI
- Project type
- Commercial product
- Normalized one-liner
- offline-first payments system
- Manually corrected
- False
Could you build this?
No Building tamper-proof offline transaction terminals requires custom silicon engineering (PUF integration), advanced cryptographic protocols to mitigate relay attacks, and complex financial regulatory compliance.
What it would actually take: A real implementation requires custom embedded hardware terminals with secure cryptoprocessors capable of reading silicon-level Physically Unclonable Functions (PUFs) for key derivation. The firmware must implement precise nanosecond-level time-of-flight distance-bounding protocols over NFC/UWB to prevent relay fraud, alongside an offline double-spending mitigation engine and asynchronous settlement ledgers. This demands specialized embedded hardware engineers, cryptographers, and banking regulatory certification.
Competitors
Other products that read as similar to this one — 157 launches clear the similarity bar, closest 8 shown.
Attention rank: #19 of 158 (itself plus its competitors, highest first — normalized so YC and Product Hunt are compared fairly).
Launched 310 days after the earliest competitor.
- Nexpay · ph · 2026-09-22 · 1 upvotes · similarity 0.52
- UMVA PAY · ph · 2026-09-10 · 1 upvotes · similarity 0.49
- TheyPaid · ph · 2026-09-16 · 1 upvotes · similarity 0.48
- Echo Money · ph · 2026-09-16 · 2 upvotes · similarity 0.47
- How to Verify USDC Payments on Base Without a Payment Processor · hn · 2026-02-22 · 7 upvotes · similarity 0.46
- SpotPay - Your Global Bank Account · yc · 2026-03-05 · 21 upvotes · similarity 0.46
- AuraPay · ph · 2026-09-29 · 1 upvotes · similarity 0.45
- Payflip · ph · 2026-09-15 · 72 upvotes · similarity 0.45
Other launches for this product
- No other launches for this product.
Same idea, different domain
Nobody's really built a vertical saas tool for Insurance yet.