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PEYMO Reinvents Cash: The World’s First Universal Crypto-to-Crypto QR Payment App

📣 London, UK - 09.01.2026 - 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.

About Peymo

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.

Media Contact:


Tomas Bartos

 

 
 
 

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