Pay in person
Scan, pay, and spend stablecoins like local cash
Point your camera at a merchant's local payment QR code and pay on the spot. You settle in stablecoins from your own wallet while Moneva handles the local payment rail behind the scenes, so the merchant gets paid in their own currency.
How QR Pay works
- 1
Scan the code
Open QR Pay and scan the merchant's local payment QR code with your camera. Moneva recognises the supported networks across the region, so you point and go.
- 2
See the full cost first
Moneva reads the requested amount and shows you the exact stablecoin cost and any fee before you commit. There are no hidden conversions and nothing leaves your wallet until you approve.
- 3
Approve it yourself
Confirm the payment from your self-custodial wallet with a passkey or biometrics. Only you can authorise it, and the signature happens on your device.
- 4
Merchant gets local currency
You settle in stablecoins while a licensed payment partner delivers the local-currency payment to the merchant over the local rail. They receive the amount they asked for, in the money they use every day.
FAQ
QR Pay is rolling out across Latin America, starting with the most widely used local payment QR networks in each market. When you scan a code, the app tells you whether that network is supported in your location. Coverage expands over time, so the list of supported countries and networks grows as we add new local rails. We will publish the current list in the app as each market goes live.
You pay with stablecoins held in your own Moneva wallet. The merchant receives a normal payment in their local currency through the local payment network they already use, so nothing about their side changes. A licensed payment partner handles the conversion and local settlement so the two sides match.
No. You do not need a local bank account to pay a merchant with QR Pay. Your funds stay in stablecoins in your self-custodial wallet, and the local-currency leg is delivered to the merchant by a licensed payment partner. You only need the Moneva app and a funded wallet.
Yes, you always see the full breakdown before you pay. Once you scan a code, Moneva shows the amount, the stablecoin cost, and any fee on a single confirmation screen. Nothing is charged until you approve, so you decide with the total in front of you. Fees can vary by market and network, and the screen always reflects the live figure for that payment.
Only you can move your funds. Moneva is self-custodial software, not a bank and not a custodian, so your wallet keys stay with you and every QR payment must be signed on your device with a passkey or biometrics. Moneva cannot pull, freeze, or redirect your balance. We connect you to licensed partners for the local-currency leg, but the authorisation is always yours.
If a code cannot be read, is for an unsupported network, or the payment cannot be completed, QR Pay tells you before anything is signed and your funds stay in your wallet. Because you authorise each payment yourself, no value moves unless the confirmation succeeds, so a failed or invalid scan simply stops at the preview step.