ZEND logoZEND
Just ZEND it.

Secure Payments. Right Inside WhatsApp.

ZEND is the easiest way for vendors and buyers in Nigeria to send, receive, and protect payments — all without leaving WhatsApp.

  • No scam, escrow secures money
  • No switching apps
  • Biometric confirmations
  • Stable coin transfers

Why use ZEND?

Buying and selling on WhatsApp should be simple, but trust issues, payment delays, and app switching make it messy. ZEND fixes that.

What is ZEND?

A WhatsApp-based payment layer for informal vendors and buyers. Create links, hold funds in escrow, release on delivery.

Who is it for?

WhatsApp vendors, small shops, and buyers who want simple, safe payments without leaving chat.

Why now?

Payments are already social. ZEND brings trust, automation, and speed to the chat you already use.

Core Features

Instant & Escrow Payments

Buyers pay securely. Vendors get paid only when delivery is confirmed.

Group Payments

Offer discounts when a target number of people join a purchase.

Help Me Pay

Share a payment link and let friends chip in until it’s fully paid.

Vendor Subscriptions

Set up recurring billing for digital goods, classes, or services.

AI Money Assistant

Chat with your money inside WhatsApp. Track spending. Get smart tips.

Powered by Stable Coin

Fast, stable payments using a naira stable coin.

How It Works

For Buyers

  1. 1
    Step 1

    Click the vendor’s ZEND payment link on WhatsApp.

  2. 2
    Step 2

    View order details and confirm with your fingerprint.

  3. 3
    Step 3

    Your payment is secured in escrow until delivery.

For Vendors

  1. 1
    Step 1

    Generate a payment or group payment link in seconds.

  2. 2
    Step 2

    Share it with your buyers on WhatsApp.

  3. 3
    Step 3

    Get paid instantly once delivery is confirmed.

Trust & Security
  • Biometric authentication confirms every payment.
  • Smart contract escrow holds funds until delivery.
  • Powered by Stellar.
  • Disputes and refunds handled right in WhatsApp.
Fees & Currency
  • Sending money to other ZEND users is free.
  • Small fees apply for vendor sales and external transfers.
  • All payments use a naira‑pegged stable coin.

Fraud & Transaction Monitoring

Stay protected and in control with proactive risk checks and real-time activity tracking.

Fraud Detection

Advanced fraud monitoring system identifies suspicious activities and notifies you instantly.

Instant alerts, right in WhatsApp.

Transaction Monitoring

Real-time visibility into all your payment activities with instant notifications.

Escrow
Subscriptions
Transfers

FAQ

Join the Movement

ZEND is building the future of social payments in Africa — starting with Nigeria.