ZoidPay (ZPAY): Uses, Supply and Risks

ZoidPay is a fintech project focused on using cryptocurrency for online and in-store payments. Its project description outlines tools for shoppers, merchants and enterprise clients, including a browser extension, a marketplace app, a mobile wallet and crypto cards. The stated aim is to connect crypto wallets and payment services with shopping and merchant transactions. ZPAY is the project’s token, but it is not described as the native token of a blockchain. Public sources identify it as issued on Viction and MultiversX. ZoidPay’s products and the ZPAY token are related, but their existence does not guarantee that every product is available in every location or that every feature currently uses ZPAY. Check current product documentation before relying on a particular service or token function.

ZoidPay describes several ways customers and businesses can use its payment ecosystem. Its Chrome Extension is intended to let users shop through a browser while connecting existing wallets. The Marketplace App is described as an aggregator for merchants, with features that may include crypto cashback, staking, DeFi and loans. The project also describes a non-custodial mobile wallet and crypto cards for peer-to-peer transactions and contactless in-store payments. For enterprise clients, ZoidPay says it can connect wallets and exchanges to provide liquidity, with integration options for businesses. These are descriptions of intended product functions, not a guarantee that every service is live or accessible where you live. Public references also associate ZPAY with ecosystem fees and rewards, but the exact terms and current availability should be checked in ZoidPay’s latest materials.

ZPAY has a maximum supply of 700 million tokens. The reported total supply is about 699.8 million, with roughly 615.2 million in circulation, as of 2026-11-05. These figures can change as tokens are issued, released or otherwise accounted for. ZPAY is listed as issued on Viction and MultiversX; it is not identified as native to either chain. That means network support and the token’s representation can differ by chain. At the time of writing, the reported market capitalization was about $4.9 million, with a fully diluted valuation of about $5.6 million. These are changing market measures, not fixed attributes of the project. Confirm the chain and token details before transferring ZPAY, since sending tokens through an unsupported network may result in loss.

ZPAY carries the risks common to smaller crypto assets, including sharp price changes, limited trading liquidity and uncertainty about future demand. As of 2026-11-05, its reported price was about $0.008, far below its reported all-time high of $1.79 in April 2022; past prices do not indicate what it may be worth later. Product availability, adoption and the token’s practical role may also change. A stated feature or ecosystem use does not ensure that a service is operating, that rewards will continue, or that users can access it in their region. There are also technical risks: incorrect transfers, compromised wallets, malicious approvals and failures in smart contracts or related services. Review current project documentation and assess whether you can afford to lose the amount at risk. This is information, not a recommendation to buy or sell.

To hold ZPAY yourself, use a wallet that explicitly supports the correct token and the chain you intend to use: Viction or MultiversX. Do not assume that a wallet supporting one chain can receive the token on the other. Confirm the current token identifier or contract details through official ZoidPay materials and check that the receiving wallet supports them before sending funds. A small test transfer can help catch address or network mistakes, though it does not remove all risk. Keep recovery phrases and private keys offline and never share them with anyone claiming to provide support. If using a ZoidPay product or another service that holds assets for you, check whether it is custodial and understand its withdrawal and account terms. Availability and wallet compatibility can change, so verify both before transferring.