Collect your fee. Nothing else.
Advisory practices use Zoyn for one narrow job: collecting the practice's own professional fees. Zoyn is a non-custodial payment orchestration platform — it is not a money transmitter, it gives no financial or investment advice, and it must never be used to receive client assets, trust money, or pooled investment funds. A person will look at your type of business as part of the review.
The problem is the gap between paying and delivering.
A category card companies underwrite cautiously
Financial-services MCCs sit in the part of the card company's book where reserves, delayed funding and extra documentation are common, regardless of how clean an individual practice's history is.
Settlement is treated as final only after the required network confirmations, and the confirmed leg is not a card-network dispute rail over collected fees.
Fee disputes after the work is delivered
A plan, a review, or a report is delivered and then questioned. On card rails the funds are pulled back before the merits are heard, with a fee attached whichever way it lands.
Fees are pushed by the client, not pulled from them, and a confirmed transfer has no reversal path.
Keeping fee income and client money apart
Mixing a practice's fee income with anything belonging to a client is a compliance problem long before it is an accounting one, and a single pooled settlement account invites exactly that.
Fees settle straight into a wallet the practice controls. Zoyn never holds funds and cannot be used as a client account.
Splitting a fee with a co-advising practice
Joint engagements and paraplanning subcontractors mean the fee has to be divided, which normally happens after the money has already landed in one firm's account.
The fee settles to your practice's wallet, final, at confirmation, and paying the co-advising firm's agreed share on is a USDC transfer whose timing you control, signed yourself.
One payment, settled to a wallet you control.
Create the fee link
A fixed amount for a defined engagement — a plan, a review, a retainer period — with your own client reference.
Client pays card or crypto
Hosted checkout handles either. Card availability depends on the buyer's location, currency, and available checkout providers. Card-funded payments are handled by the checkout provider, so card data never enters your systems.
Screening runs before anything settles
The wallet your payments settle to is checked against sanctions lists when you add it, and re-checked every day after that.
The fee settles to your wallet
USDC arrives in a wallet the practice controls. Zoyn never holds it.
Where we can onboard you today.
Your type of business
Businesses in this group can apply. You pick your exact type of business when you apply, and every application is reviewed.
Jurisdictions we cannot serve
We cannot onboard merchants operating from comprehensively sanctioned jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. We do not hold ourselves out as licensed anywhere.
Wallet addresses you'll be paid to are checked against sanctions lists when you enter them, and re-checked every day after that.
What financial advisory merchants ask first.
Can we collect client investment funds or trust money through Zoyn?
No. Zoyn is for collecting your practice's own fees and nothing else. It is not a money transmitter, it holds no client accounts, and it takes no custody at any point — so it must not be used to receive, pool, or move money belonging to a client. Those flows stay with your custodian.
Does Zoyn give financial or investment advice?
No. Zoyn is software for collecting payments and routing them to wallets you control. It makes no recommendation about any product, asset, or allocation, and nothing in the platform should be read as advice — including the fact that fees settle in stablecoins rather than in local currency.
Are you licensed in our state?
We do not hold ourselves out as licensed anywhere, because the platform is non-custodial and sits outside the flow of funds. A US state stays open when at least one checkout partner still serves buyers there. Your own licensing and disclosure obligations are unchanged by how you collect a fee.
Looking for a different sector? See every supported industry.
Collect the fee without the reserve.
Create a fixed-amount fee link and settle it to a wallet your practice controls.