PEYMO Transforms Digital Payments: Introducing Universal Crypto-to-Crypto QR Transactions

Following earlier announcements, we are now releasing a major upgrade to our vision with the upcoming launch of the PEYMO App on Google Play and the Apple App Store.
PEYMO introduces something fundamentally new:
a payment system where consumers can pay directly from crypto, and merchants receive crypto instantly, anywhere in the world - simply by scanning a QR code.
• No cards.
• No banks.
• No terminals.
Cash, Reinvented for the Digital World
Cash once had a unique advantage: freedom.
You paid instantly, without intermediaries, approvals, or explanations.
PEYMO brings that same freedom into the digital age.
Instead of physical banknotes, users pay with decentralized electronic money, held in a non-custodial wallet on their phone. Just like cash was never linked to a passport, PEYMO restores financial independence through decentralized ownership - but without the downsides of physical cash.
• No counterfeit risk
• No physical handling
• No loss of value through intermediaries
• Fully transparent and final transactions on a ledger
It is cash-like freedom, redesigned for a global, digital economy.

How It Works
1. Download the PEYMO app on your phone
2. Scan the QR code presented by the merchant
3. Pay instantly from one of your crypto accounts
4. The merchant receives crypto immediately
The entire process completes in well under half a second - often faster than traditional card payments, and without waiting 10-15 minutes for confirmations.

A Breakthrough for Merchants
For merchants, PEYMO turns a smartphone into a complete point-of-sale system.
There are:
• No payment terminals
• No hardware rental contracts
• No monthly POS fees
• No requirement to be connected to a local bank
• No dependency on card networks or acquirers
Merchants receive funds instantly, directly into their own crypto wallet, with immediate settlement - not days or weeks later, as with card payments.
Transaction costs are significantly lower than traditional card rails, and there is no chargeback risk.
All that's required is the PEYMO Merchant App.

Faster, Cheaper, Final
Compared to traditional card payments, PEYMO delivers:
• Near-instant transactions
• Lower fees for merchants
• Immediate settlement
• Global usability from day one
This is not an incremental improvement of existing payment systems.
It is a replacement.

A New Payment Standard
PEYMO is redefining everyday payments by combining:
• Decentralized wallets
• Instant QR-based payments
• Global, bank-independent acceptance
The result is a payment experience with the simplicity of cash, the speed of modern technology, and the freedom of decentralization.
The PEYMO app is launching soon on iOS and Android.
This is cash - reinvented for a decentralized world.

For more information, visit www.peymo.com.
Media Contact:
Tomas Bartos
press@peymo.com

PEYMO LTD
167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF
Tomas Bartos
press@peymo.com
+447537174330

Peymo Ltd is a UK-based fintech company pioneering AI-powered personal finance solutions. By acting as the invisible layer that connects banks, wallets, and providers, Peymo delivers the "one app, one tap" experience - giving users everything they need for both fiat and crypto without ever touching client funds.
For more information, visit www.peymo.com.

This release was published on openPR.