Welcome to Zold

Zold gives you global accounts. A local account in each currency you do business in, held in a wallet only you control, paying out on that place's own rails.

Zold is global accounts for people and businesses whose money crosses borders.

A global account is a set of local accounts under one roof. Each one is denominated in the currency of a place, carries the identifier locals use, and pays out on that place's own rail: an IBAN in the euro area, an account and routing number in the United States. You hold them all in one smart wallet that only you can operate, and you move between them at a live, visible rate.

Euros are open today. You get a euro IBAN, and money that arrives by bank transfer is held as EURe, a regulated euro e-money token, in your wallet. From there you pay any bank account in the SEPA area, get paid by link, page or invoice, take crypto and settle it in euros, and keep the books.

#What you can do today

Hold and send euros. A real IBAN issued through Monerium, a SEPA transfer to any IBAN with no Zold fee, a reference the payee can reconcile on, and a receipt for every payment that you can share by link while choosing what it shows. See Your euro account and SEPA bank transfer.

Get paid. A payment page that takes USDC from most EVM networks into your wallet, payment links for a fixed or open amount by crypto or bank transfer, and Invoice-Me links a supplier fills in so you can pay the invoice from the same screen. Incoming crypto converts to euros with your passkey when you switch auto-convert on.

Run a business. Organisations with members and roles, payments that go through review before they move, bulk payments, an address book, imported wallets shown read-only beside your accounts, and a Shopify connection that marks orders paid the moment the crypto payment is seen.

Invoice and keep the books. Invoices checked against your country's rules, and bookkeeping with tags, a chart of accounts, cost basis and export to your accountant's software.

Stay in control. The wallet's owner is a passkey on your device, and if the device is lost, Zoldenburg can recover it when you choose it as your guardian. Statements, receipts and balance confirmations carry a verification code anyone can check.

#Coming soon

#How Zold is different

One wallet, many accounts. Your currencies sit in the same smart wallet on the Base network. Each has its own local identifier, but there is one balance sheet, one address book, one set of books.

Your money stays yours. The wallet's owner is a passkey on your device, and every payment is signed by you at the moment you send it. Zold cannot move your money without you, and cannot replace your keys.

The money is regulated money. EURe is issued by Monerium, an e-money institution licensed in the European Economic Area, backed one-for-one by euros with a redemption right at par. Dollars are held as USDC, issued by Circle and fully reserved. Your IBAN is a real IBAN, provided with Monerium through a licensed bank in the SEPA area.

Prices are shown before you sign. Every transfer and every conversion is quoted against a live mid-market rate. The fee and the measured margin are on the screen before you approve, and the rate you approve is the rate you get. If Zold cannot get a fresh rate, it refuses to quote rather than guess.

#Where to start

#Two names

Zold is the app. Zoldenburg is the company that builds and operates it. You will see both.