For users

Test networks only

The app at https://app.zyropay.online runs on test networks. Use test funds only; nothing you hold there has value.

Sign up

1. Open https://app.zyropay.online and create an account with a passkey (Face ID, Touch ID or your device PIN). There is no password and no seed phrase on screen.
2. Your wallet is created inside your own Turnkey sub-organization, with one Solana, one EVM and one Cardano account. Add a second passkey as a backup: ZyroPay cannot recover your account.

Fund your Cardano preprod address

1. Open Wallets, then Receive, then Cardano Preprod, and copy the address (addr_test1v…, an enterprise address).
2. Request test ADA from the public faucet: https://docs.cardano.org/cardano-testnets/tools/faucet (choose Preprod). At least 10 tADA covers a few payments; an escrow refund also needs a pure-ADA output for Plutus collateral.

This address is not the one Yoroi, Eternl or Daedalus would show for the same recovery phrase; see Cardano specifics.

Turn on x402 payments

Open Plugins and enable x402 payments. An agent can then use the x402 protocol if its policy allows it.

Connect your AI

The MCP server URL is:

https://mcp.zyropay.online/mcp

• Claude (claude.ai, Desktop, mobile): Settings → Connectors → Add custom connector, paste the URL, leave the OAuth fields empty. Claude Code: claude mcp add --transport http zyropay https://mcp.zyropay.online/mcp.
• ChatGPT: in a plan or workspace that allows developer mode, add a custom MCP connector with the URL.

A page opens with a code such as ABCD-1234. In the ZyroPay app, open Agents, enter the code, check the client’s name and redirect address, choose the wallets and networks (include Cardano Preprod) and approve. Nothing is approved on the browser page itself.

Set the agent’s policy

A new agent can read but cannot spend. In Agents → (your agent) → Policy:

1. Turn spending on.
2. Allow the x402 protocol.
3. Add the seller’s address to the recipient allowlist (for an escrow payment the allowlist names the seller, not the escrow script).
4. Set USD limits per payment, per day and per month, and choose what happens above them: ask you, or refuse.
5. Optional: Require Escrow for x402 payments, optionally only above an amount; Only pay registered Masumi agents, optionally only some of them.

Cardano payments always ask you, whatever the mode. Every field is described in Agent policy.

Approve a payment

Ask your AI to buy something, for example: “Buy the address report for addr_test1… from the Cardano Address Intelligence service.” It calls pay_x402 and tells you approval is pending.

1. Open Approvals in the app (it refreshes every 15 s; push notifications are not set up on staging).
2. Check the seller’s description and host, the amount and the agent that asked.
3. Approve with your passkey. Your AI’s next status check delivers the payment and gets the answer.
4. The approval moves to submitted, then paid, with a Cardanoscan link, and shows Delivery verified · signed by the seller you paid when the receipt checks out.

Get a refund (escrow payments)

An escrow payment shows its state from the chain, the deadlines (Deliver by, Released after), the proof and the refund action open to you.

• Request refund: possible while the money is in escrow. After the seller authorizes it, or after the delivery deadline passes without a result, the next action appears.
• Withdraw refund: returns the money to your address.

Both are signed with your passkey (Sign with passkey). If the proof says mismatch or not_delivered, the app recommends the refund to take. See Escrow with Masumi.

Disconnect an agent

Revoke it in Agents. Its tokens stop working at once, its pending requests are cancelled and its reservations released.