# 0fiat > Zero friction, zero fiat 0fiat is a crypto payments company offering a browser extension and mobile app. It lets users pay with stablecoins at hundreds of online retailers worldwide, with no KYC and no fees. 0fiat is a crypto payments company that helps digital asset holders spend stablecoins at online stores without converting to fiat first. Its browser extension and mobile app connect a self-custodial wallet directly to checkout at hundreds of retailers across multiple countries, letting users pay with stablecoins across several blockchain networks. No banks, cards, or intermediary accounts are required to complete a purchase. The service addresses the gap between holding crypto and using it for everyday purchases, where most existing options require identity verification, pre-loaded cards, or conversion to local currency. Users approve a transaction from their own wallet at checkout, and the merchant receives payment in its usual currency while the buyer never touches fiat. The platform charges no added transaction fees beyond standard network costs and does not require KYC verification to start spending. 0fiat's offering has expanded beyond the browser extension to include a mobile application, a gift card purchasing feature covering a broad catalog of brands, and an interface that lets AI agents and chat clients place gift card orders on a user's behalf. These tools support multiple stablecoins across several blockchain networks. The service is used by cryptocurrency holders who want to make routine online purchases directly from a self-custodial wallet. - Type: Company - Sector: Payments - Status: Active - Founded: 2024-11-07 - Profile: https://thegrid.id/profiles/0fiat ## Products - [0fiat](https://thegrid.id/profiles/0fiat): 0fiat is a merchant payment gateway available as a browser extension and Android app that lets users pay with cryptocurrency at online checkout. It connects a user's wallet to supported retailers so stablecoin deposits are converted and settled to merchants in local currency automatically. Users approve each payment directly from their own wallet, with no identity verification or card details required. The same account and wallet-connection flow works across the desktop extension and the mobile app, letting users check out on either surface interchangeably. (Merchant Payment Gateway, Live, Main Product) - [0fiat MCP](https://thegrid.id/profiles/0fiat): 0fiat MCP is a Model Context Protocol server that lets AI assistants and agents purchase gift cards using stablecoins directly from a chat interface. It exposes typed tools for browsing gift card catalogs, fetching live crypto exchange rates, placing orders, checking order status, and authenticating, returning a scannable QR code for wallet-based payment. Developers and AI agent operators use it to add self-custodial crypto gift card purchasing to their applications without building custom integrations, and a separate HMAC-signed endpoint supports programmatic B2B use. (MCP, Live) ## Links - [Main](https://0fiat.com) - [Blog](https://0fiat.com/blog) - [Terms of Service](https://0fiat.com/terms-and-conditions) - [Privacy policy](https://0fiat.com/privacy-policy) - [Twitter / X](https://x.com/0FiatHQ) - [Telegram](https://t.me/ZeroFiatHQ) - [Discord](https://discord.gg/5MrfC6rF5T) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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