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FAQ
What ZeroFee is, the apps, fees and privacy first, then the mechanics. Each answer links to the page with the detail.
What ZeroFee is
What is ZeroFee?
A family of privacy apps on open protocols, with 0% from ZeroFee. ZeroFee Swap and ZeroFee Pay are live, ZeroFee Wallet is coming soon, and developers and AI agents get all of it over a REST API and an MCP server. Every app connects you straight to the protocols that move money between chains, across 70+ chains, with four privacy protocols you can stack your way. See the docs welcome.
What is the Zero Fee Initiative?
Crypto took the middleman out of the ledger; then apps put it back, with a toll on every swap. ZeroFee is part of DihFih Labs' Zero Fee Initiative: we cut the middleman again and connect you straight to the protocols. Read the Zero Fee Initiative.
Do I need an account or a wallet connection?
No account, no password, no sign-in, and no wallet to connect. You only ever send to a one-time deposit address, from any wallet or exchange, so ZeroFee never asks your wallet to sign anything. See Getting started.
The apps
What does ZeroFee Swap do?
Cross-chain swaps across 70+ chains, straight on the protocols: NEAR Intents and Relay, with Privacy Cash and the other privacy protocols as steps on the route. You send to a one-time deposit address from any wallet or exchange, Bitcoin included, and it lands at your address. You see the full cost in dollars before you start, every swap fixes itself where it can, and support is one tap away. See your first swap.
What does ZeroFee Pay do?
It gets you paid in the coin you want. Open ZeroFee Pay, pick the coin and chain, enter the exact amount and your address, and share the link, its QR code or a ready-made button. Whoever opens it pays with a coin they hold on 70+ chains, from any wallet or exchange, and pays every fee. A standard payment delivers exactly the amount; paid privately, at least the amount. See Pay links & payments, and how fast it is.
Does ZeroFee hold the money when I get paid?
Never. The payer's deposit moves straight to your address through Relay or NEAR Intents, whichever asks the payer for less. There are no merchant accounts and no settlement delay, and nothing is stored on a server: the link is the request. Refunds of a completed payment are between you and your payer.
What is ZeroFee Wallet?
Coming soon: your keys on your device, Shield and Unshield in a tap, and the ZeroFee Swap engine built in. See ZeroFee Wallet and the preview, and follow @ZeroFeeSi on X to hear first.
Can developers and AI agents use it?
Yes. The REST API at /api/v1 needs no key, and the MCP server gives any AI agent 9 tools: swaps and pay links as tools, plus x402 funding for one wallet. See REST API and MCP server.
Fees
Is it really 0%?
Yes. ZeroFee takes nothing: no platform fee and no markup on the rate. You pay only what the protocols charge (NEAR Intents, for example, charges 0.2%) and what the networks charge. The swap page adds it all up and shows the full cost in dollars before you start, next to “ZeroFee fee 0%”. See Fees and Compare costs.
Why does a small swap cost more, in percent?
Some costs are fixed whatever the size: network fees, minimums, and the ZK pool's fixed fee. On a small swap they are a bigger share, and the cost on the swap page shows it as a percentage. See Fees.
Do I need SOL or gas?
Only for your own deposit, whose network fee your wallet or exchange charges. Everything after your deposit, privacy steps included, is paid for inside the cost you see.
Privacy
What are the four privacy protocols?
Confidential crossing on NEAR Intents: automatic where NEAR allows it; your deposit and your payout aren't publicly linked. The Solana ZK pool: your money passes through Privacy Cash's pool, where a zero-knowledge proof hides which deposit paid which withdrawal (about 3–5 minutes, 0.35% + about $0.63). Zcash turns your coin into shielded ZEC in a wallet made in your browser, where sender, receiver and amount are hidden, then sends it on (several minutes). Monero: Monero hides the sender, the receiver and the amount (ring signatures and stealth addresses); about 15 minutes, minimum about 50 USD. Stack them in the order you choose, on a swap or a payment. See Privacy protocols.
How private is a private swap?
Each step breaks the public link between the wallet you pay from and the one you receive in, in its own way, and stacking them breaks it further. Round amounts, a fresh receiving address and a little patience make the break strongest, because amount and timing can still be matched. See using privacy well.
Does ZeroFee see my keys or my swaps?
ZeroFee's servers never see a key. The temporary wallets of privacy steps are made in your browser, and their keys stay there. The server part forwards some requests (confidential NEAR Intents requests, the Monero step's orders, the ZK pool's withdrawals) and keeps no database. If a swap fails or stalls, its page sends our support team a short report so we can help; it never includes a key or your receiving address.
Can I swap to or from Zcash?
Yes, as a coin. You can receive ZEC at your own shielded unified address (u1…). Deposits into NEAR Intents for ZEC are transparent, and a refund may come back to a transparent address. That is separate from the Zcash privacy step. See Chains & tokens.
How swaps work
Which chains work?
70+ in both directions: Bitcoin, Ethereum, Solana, Base, Arbitrum and every major chain in between. Checked 16 Oct 2026, the live list had 77 chains, 71 of them routing both ways, and two more you can receive on (XRP Ledger, Eclipse). The list loads live when the page opens. See Chains & tokens.
Which coins work?
The coins in the list, plus coins you search for or paste: a coin the list hasn't checked is asked about live, for your exact swap, before it's priced. A few coins go through the Monero step; the list marks them “via Monero”.
Can I swap a pump.fun coin?
Yes, once a protocol has been checked to carry it. Search covers fresh Solana launchpad coins, such as those from pump.fun and bonk.fun. New coins are often thin markets, so read the cost before you start.
What is a deposit address?
A one-time address made for one swap by the protocol that carries it. You send the exact amount to it from any wallet or exchange, and the swap is delivered to the receiving address you gave. If the swap can't complete, your coins go back to your refund address. See Deposit swaps.
Why did I get less than the price shown?
A price is a moment, and slippage is the move you accept (0.5% by default). If the price moves further before your deposit address is made, the swap stops and you can go again at the new price. If it moves further after you have sent, the protocol refunds your deposit to your refund address rather than paying out less. On thin markets, the price impact is already inside the price shown.
What if a swap is stuck?
Open the swap's own page. A step taking longer than usual says Slower than usual. Every swap fixes itself where it can: a failed step is retried once on a different route, and if it still can't finish, your money goes back to your refund address automatically. If the swap stops anyway, the page shows Try again, Send my money back and a support button that opens @ZeroFeeSi_bot on Telegram with that swap attached. The page also tells our team on its own and says where your money is when it can tell. See Deposit swaps.
Can I cancel or reverse a swap?
Before you send, nothing has moved: just don't send to a deposit address you no longer want. Once the deposit is sent, cross-chain transfers can't be reversed; a swap that can't complete goes back to your refund address and shows as refunded.
Why won't a pair price?
No protocol can carry that pair at that amount right now, and the button says why: usually the amount is under a minimum (“send at least …”), there isn't enough liquidity (try a smaller amount), or the protocol has paused the pair for a while. The price keeps refreshing, so it can come back on its own. See Chains & tokens.
What happens if I close the tab mid-swap?
A single-deposit swap carries on: the protocol is waiting for your deposit and delivers regardless. A swap through the ZK pool, Zcash or more than one privacy step runs in your browser, so it pauses; reopen its link in the same browser (or open any ZeroFee page there) and it picks up where it stopped. See How it works.
Trust
Who holds my funds?
You do, until you send the deposit. ZeroFee's servers never hold your money or your keys. While a swap moves, the protocol holds it for seconds to minutes, and during privacy steps, temporary wallets in your own browser, Privacy Cash's pool, or the Monero step, which holds your coins for a few minutes on the way. See How it works.
What does this browser keep?
Very little. While a swap runs, its page (coins, amounts, the addresses you entered and the deposit address), so it survives a reload, and for privacy steps the temporary wallets' keys, encrypted, in this browser only. Once the swap finishes, it is forgotten; a swap that stopped keeps its details until you forget it on its page, 30 days at most. There is no history, no password and no copy on a server, so keep this site's data while a private swap is running.
How is ZeroFee checked?
Super intelligence audited: an AI review went through every place in the code that could hold, sign for or redirect funds, and browser checks of the swap screens run on every release. The protocols underneath publish their own audits. No third-party firm has reviewed ZeroFee's own code yet. Security lists every provider's audits and how each part is built.
Do I have to trust ZeroFee's code?
Not with your money or your keys. The deposit address comes from the protocol itself, ZeroFee never holds your money or your keys, and you can follow every swap on the protocol's own tracking page. The source isn't published yet; Security shows how every part is built.
Where do I start?
Open ZeroFee Swap for your first swap, or make a pay link to get paid in the coin you want. Getting started walks you through both in a minute.