Launching Q4 2026 · Join the waitlist
Denaro Pay · Merchant

Accept global
payments at
0.5%.

No chargebacks. Settlement in under two seconds to your USDC wallet. Available in 150+ countries. Your balance earns 5.20% yield while you sleep.

Join the waitlist
Transaction fee
0.50%
Settlement
Under 2s
Chargebacks
Zero
Coverage
150+
§I
The case
vs Stripe and legacy rails

Six times cheaper. Faster. No chargebacks.

Stripe charges 2.9% plus $0.30 per transaction. At $10,000 per month, that is $3,180 per year in fees alone. Denaro Merchant charges 0.50%, settling in under two seconds to a wallet that earns yield on every dollar.

Feature
Denaro Pay
Stripe / Legacy
Transaction fee
0.50%
2.9% + $0.30
Settlement time
Under 2 seconds
2–7 business days
Chargebacks
Structurally none
Up to 1% of revenue
International fees
None
Additional 1.5%+
Balance yield
5.20% APY
0%
Currency coverage
150+ countries
Varies
Annual cost at $10k/mo
$600
$3,480+
§II
Settlement flow
Under 2 seconds

Customer pays. You receive. No intermediary delay.

Denaro Merchant settles directly to USDC on Base. No bank intermediary. No waiting for batch settlement windows. The transaction is final in under two seconds and the balance begins earning yield immediately.

I
Customer initiates payment
Customer pays via Denaro app, QR code, or payment link. USDC transfer is signed and broadcast to Base L2 immediately.
II
Base L2 confirms
Base L2 confirms the transaction in under two seconds. The fee is calculated at 0.50% and deducted at confirmation.
III
USDC credited to wallet
Net USDC settles to your Denaro wallet in the same transaction. No separate payout cycle. No minimum balance.
IV
Balance earns yield
Your settled balance is automatically routed to Morpho Blue markets on Base. Yield accrues at 5.20% APY on every block.
§III
Finality
Why there are no chargebacks

Blockchain finality eliminates the chargeback mechanism.

Traditional card payments allow customers to dispute transactions with their bank for up to 180 days after purchase. The bank initiates a reversal regardless of the merchant's position. This is structurally impossible on a public blockchain.

Once a USDC transaction is confirmed on Base L2, it is cryptographically final. There is no intermediary who can reverse it. Disputes between merchant and customer must be resolved directly — the payment layer provides no reversal mechanism and charges no chargeback fee. Merchants who process $100,000 per month on traditional cards may recover $1,000 to $3,000 per year in chargeback losses alone by switching to Denaro Merchant.

§IV
Waitlist
Launching Q4 2026

Join the merchant waitlist.

Denaro Merchant launches Q4 2026. Waitlist members receive early access, priority onboarding, and the first six months at the launch rate.

No commitment required · Launch notification only