I contacted support. Weeks passed. They asked me for a printed bank statement sent by mail. For a virtual card. They knew exactly what they were doing.

I never got my money back.

That experience forced me to look closely at what the crypto payment space actually offers. And what I found was that every option is a variation of the same thing:

You hand over custody of your crypto to an exchange. They issue you a card. You spend your crypto at merchants — but you never know the exchange rate until after the transaction. You find out when you check your balance.

They call it a cashback program. What they don't tell you is that the cashback is a fraction of what they already took from you in conversion fees and spreads.

Meanwhile the merchant pays high fees, waits days for settlement, and in countries like Argentina is forced to charge customers an extra 10 to 30% surcharge just to cover card processing costs. Cash is king — not because people prefer it, but because the system is broken.

And on top of all of this: KYC. Lengthy, invasive identity verification where you hand your personal data to a company you know nothing about. If something goes wrong, good luck — their support office is on the other side of the world.

The common thread in all of it: you are always trusting someone else with your money.

I wanted something different.

Not a card. Not an exchange in the middle. Not KYC. Not custody.

A system where no one — not even me, the builder — can touch your funds.

So I built Nox-Pay.

A complete, trustless payment ecosystem. Three roles, one system, zero intermediaries.

For the merchant: Login with Google, Apple or Email. No forms, no KYC, no registration process. A non-custodial wallet is generated instantly — its address becomes your MerchantID. You own it. Nobody else.

Create payment tokens for each branch or store. Set your local currency — ARS, BRL, EUR, USD, whatever you use — and your target stablecoin. That's it. From that moment, your cashier can charge customers in local currency without knowing anything about crypto. The conversion happens automatically and transparently via Coinbase API. The merchant receives stablecoins directly, in real time, with full visibility of both the fiat amount and the crypto amount. Double bookkeeping — fiat and crypto — built in from day one.

No waiting for settlement. No intermediary holding your funds. No one who can freeze your account or lose your money.

For the cashier: Opens the POS — installable directly from the browser, no app store needed. Enters the sale amount in local currency. The system generates a QR. Shows it to the customer. Done. Zero crypto knowledge required. The complexity is completely invisible.

For the customer: Login with Google, Apple or Email. A Smart Account is generated automatically — no seed phrases, no extensions, no complexity. Select your token, scan the QR, confirm. Gas is fully abstracted — the terminal handles it completely. You pay with the token you choose, on whichever supported chain you hold it.

What makes Nox-Pay different:

Trustless — no one holds your funds at any point. Ever.

Non-custodial — your wallet, your keys, your money.

Gasless — full gas abstraction for the end user.

Free for merchants — zero fees on the merchant side.

Frictionless — cashiers work in local currency, customers pay in crypto, the system bridges everything in between.

Permissionless — no approval process, no gatekeepers, no geographic restrictions.

Transparent — every transaction is on-chain, verifiable by anyone.

Live on Polygon · Base · Optimism · Arbitrum

This is day one of production.

I'm one person. No VC funding. No team. Just code, conviction, and a very bad experience with a crypto debit card that charged me twice and never gave me my money back.

If you're a merchant who wants to accept crypto without giving up custody of your funds — Nox-Pay is for you.

If you're a customer tired of hidden fees, forced KYC and exchanges that hold your money hostage — Nox-Pay is for you.

If you believe crypto payments should be what they were always supposed to be — trustless, permissionless, transparent — Nox-Pay is for you.

nox-pay.com hello@nox-pay.com