Blockchain Payment Gateway
Accept digital assets, settle in AED.
What the gateway does
Zand's Blockchain Payment Gateway lets UAE businesses accept payment in stablecoins and cryptocurrencies, and receive settlement in dirhams. The customer pays on-chain; we take custody, screen the transaction, convert to AED and settle through the merchant's acquirer. We are the first bank in the UAE to run that full path under a banking license.
Why use Zand's Blockchain Payment Gateway
Dirhams in, dirhams out
Volatility and custody sit with us, not on your balance sheet.
No new infrastructure
One more option at checkout. Same acquirer, same payout file.
A bank on the on-chain side
Screening, monitoring and Travel Rule data are ours, with a full audit trail.
Customers they cannot reach
Stablecoin holders and Web3 businesses can pay them directly.
From on-chain payment to AED
Checkout
The customer chooses a supported digital asset.
Quote
Priced in AED, held for the quote window.
On-chain payment
We screen the wallet as confirmation arrives.
Off-ramp to AED
We take custody, clear compliance and convert.
Settlement
Net AED to the acquirer with a settlement file.
Payout
The merchant is credited in AED on the normal schedule.
Ordinary AED settlement through existing acquiring rails. No crypto exposure, no change to how merchants run their treasury.
Who we serve
Merchants and e-commerce
Digital asset payment at checkout, with every downstream process still in dirhams.
Payment providers and acquirers
Offer acceptance to your portfolio; we carry custody, conversion and licensing.
Exchanges and VASPs
Users spend at UAE merchants; we settle the fiat leg.
Where it fits
Online checkout
Next to cards and wallets, paid from a wallet or exchange account.
In-store QR
Scanned at the point of sale, confirmed on-chain.
Cross-border collections
International buyers without correspondent banking delays.
High-value and OTC
Property, luxury and commodities settled through a bank.
Supported assets
AEDZ, leading USD stablecoins and major digital assets, on Ethereum and Solana. Settlement always arrives in dirhams.
| Asset | Networks |
|---|---|
| AEDZ, our dirham token | Ethereum, Solana |
| USD stablecoins | Ethereum, Solana |
| Major digital assets | Ethereum, Solana |
Full ticker list to be confirmed.
Connected to leading global exchanges
Customers pay from the exchange accounts they already use, and we settle through established UAE acquirers.
Frequently asked questions
Interested in the Blockchain Payment Gateway?
Tell us about your business and our team will get in touch.