D0.fi
New · Fiat + Crypto settlement now supported

One API for the new financial system

AcceptAny Currency.
Settle inAny Currency.

D0 is a universal payment infrastructure enabling T+0 real-time cross-currency settlement — fiat or crypto, any chain, any token.

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Powered byVISACircleTronBaseSolana

How It Works

Zero waiting. Zero complexity.

One API call. Any source currency in, any destination currency out. T+0.

User pays

USDT

Any chain

THB · IDR

Fiat

D0 ProtocolAuto-route · T+0

Merchant receives

USDC · USD · HKD

Any currency

d0-integration.js
const session = await d0.createSession({
  amount: 100,
  settlementCurrency: 'USDC',
  chain: 'base'
})

Industry Solutions

Built for every vertical

D0 powers payments across the fastest-growing sectors in global finance.

AI AGENT

The payment layer for the AI economy

AI agents need to transact autonomously — across chains, across currencies, without human intervention. D0 enables machine-to-machine payments with instant settlement and no manual bridging.

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BROKERAGE

Let your users fund with anything they hold

Emerging market brokers lose users at the deposit step. D0 lets users fund brokerage accounts with USDT, local fiat, or any crypto — and brokers receive clean USD or USDC instantly.

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GAMING

In-game purchases from any chain, any token

Players hold assets across dozens of chains. D0 removes the friction of swapping before spending — let players pay with whatever they hold and settle in your game's native currency.

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CROSS-BORDER

Send money home without the wait

Traditional remittance takes days and costs 5–7%. D0 enables crypto-to-fiat transfers that settle in seconds, at a fraction of the cost.

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TOKENIZE

On-chain assets, real-world funding

RWA platforms need a seamless on-ramp. D0 lets users fund tokenized US stocks, bonds, and real estate with any crypto or fiat — no manual bridging, no exchange step.

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PREDICT

Remove deposit friction, increase volume

Prediction market users drop off at the deposit step. D0 lets users fund positions with any token — USDT on Tron, SOL, or local fiat — and settle into your market's base currency.

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TRANSACT

Accept any currency, anywhere in the world

Merchants shouldn't have to choose which currencies to accept. D0 handles conversion automatically — your customer pays in what they have, you receive what you want.

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Key Capabilities

Everything you need to move money globally

D0 supports the widest range of deposit and payment methods — so your users are never blocked.

Cross-Chain Deposits

Accept deposits from any blockchain — Tron, Ethereum, Solana, BNB Chain, Base, and more. No manual bridging required.

Local Payment Methods

Support local fiat payment methods across Southeast Asia, Middle East, and beyond — bank transfer, e-wallets, QR pay.

Centralized Exchanges

Let users fund directly from their CEX accounts — Binance, OKX, Bybit — without withdrawing to a self-custody wallet first.

Transfer from Any Wallet

Compatible with MetaMask, Trust Wallet, Phantom, and any Web3 wallet. Users pay from wherever they hold their assets.

Card Deposits

Accept Visa and Mastercard for fiat on-ramp — giving non-crypto users a familiar way to fund their account.

Comparison

Why D0

FeatureTraditional WireOther ProtocolsD0
Settlement time3–5 daysMinutesSeconds
Fiat supportYesNoYes
Crypto supportNoYesYes
Local payment methodsNoNoYes
Any-to-any conversionNoNoYes
Now in private beta

The payment infrastructure in the AI era.

Start integrating D0 in minutes. One API, any currency, T+0 settlement worldwide.

Get API AccessRead the Docs

Trusted by payment teams at fintech companies across Southeast Asia, Middle East & beyond.