0fiat

0fiat is a Web3 checkout tool that lets users pay with stablecoins at 190+ mainstream online retailers—without converting to fiat, loading a prepaid card, or providing identity documentation. Launched in November 2024, it operates primarily as a browser extension for Chrome, Edge, and Brave, supplemented by an Android app and a Model Context Protocol (MCP) server. The project's core thesis is that self-custodied stablecoins should be as frictionless to spend as a credit card.

How It Works

0fiat sits between the user's crypto wallet and familiar e-commerce checkout flows. When a shopper is ready to pay at a supported retailer, they activate the extension at checkout; 0fiat quotes the stablecoin equivalent of the purchase amount in real time and requests wallet approval. Behind the scenes the platform converts the stablecoin into a gift card denominated in local currency, which is applied to the order at the merchant. The user never interacts with a fiat account—the conversion and fulfillment happen on 0fiat's infrastructure after the on-chain transfer is confirmed.

A gift card catalog powering both the mobile app and MCP server extends to 9,000+ vouchers. This broader catalog is accessible without the browser extension through the Android app and through any MCP-compatible AI client connected to 0fiat's MCP server at mcp.0fiat.com.

Supported Stores and Regions

The browser extension covers 190+ online stores across 45+ countries. Retailers named on the platform include Amazon, Dominos, Hotels.com, Airbnb, Nike, eBay, Nordstrom, and Flipkart. Individual merchants impose their own spending caps, and a few product categories carry additional restrictions—for example, gift card instruments cannot be used to buy Amazon Pay gift cards. The full store directory is published at 0fiat.com/global.

Stablecoins and Blockchains

0fiat's browser extension accepts USDT and USDC on four networks: Ethereum (ERC-20), BNB Chain (BEP-20), Tron (TRC-20), and Solana (SPL). Users select whichever network holds their funds; no single-chain requirement is imposed.

Through the MCP server the asset and network selection widens to include Polygon and Base, and PYUSD is added alongside USDT and USDC. Chain-specific availability of PYUSD must be verified at transaction time because not every coin-network combination is supported.

0fiat has no native token. The platform exclusively handles established dollar-pegged stablecoins and does not issue governance or utility tokens.

Solana Integration

Solana is one of the four chains natively supported in the browser extension, meaning users holding SPL USDC or SPL USDT can pay directly from Phantom or any other Solana-compatible wallet without bridging assets to another chain first. This places 0fiat within a growing category of Solana-native commerce tools—a segment that expanded significantly in 2024–2025 as Visa added Solana to its stablecoin settlement network and stablecoin payment volumes on Solana grew sharply year-over-year.

Fees and Business Model

0fiat does not charge issuance, transaction, or maintenance fees. Users pay only the stablecoin equivalent of the purchase price, and may qualify for discounts of up to 14% at participating merchants. Blockchain network gas fees (where applicable) are the only additional cost and depend on the chosen network rather than the 0fiat platform itself.

On the business side, 0fiat offers gift card API access and payment gateway tooling for merchants and developers who want to accept stablecoins inside their own applications.

MCP Server and AI Agent Access

0fiat's MCP integration distinguishes it from traditional crypto payment tools. The MCP server exposes structured endpoints for browsing the gift card catalog, requesting live price quotes, creating orders, and checking fulfillment status. AI clients that support the Model Context Protocol can interact with these endpoints directly, enabling programmatic or AI-assisted shopping flows without a browser extension. Authentication uses email one-time passwords, preserving the no-KYC principle while providing a lightweight identity anchor for account recovery.

Security Model

0fiat describes itself as non-custodial: user funds remain in the connected wallet until the shopper explicitly approves a transaction. The platform does not store private keys or wallet credentials. A one-time email sign-in is required at first checkout to tie an order history to the account, but no government-issued identity documentation is collected. The platform states it applies industry-standard security practices; no third-party security audits have been published as of the time of writing.

Platform Availability

The browser extension runs on Chrome, Edge, Brave, and Chromium variants. An Android app is available on Google Play. No iOS app is currently offered. The MCP server at mcp.0fiat.com serves AI agent integrations directly.

Team

0fiat does not publicly name its founding team or investors on its website. The project launched in November 2024 and maintains a social presence through the @0FiatHQ X account, a Discord server, and LinkedIn. User reviews on Trustpilot note responsive customer support that resolves issues promptly.