Pay Rails
Your payout handles stay on this device. ZEM builds the hand-off link and steps out of the way.
Zero custody
No balance, no escrow account, no platform wallet. Every settlement is a direct transfer between two peers on rails they already own.
0 rails linked
guest.zem
Settle an amount
PayPal
Opens paypal.me with the agreed fare pre-filled.
Venmo
Hands off to the Venmo app or web checkout.
Cash App
Cashtag payment link with the fare attached.
M-Pesa
Generates the USSD string — works with zero data.
Crypto
EIP-681 request URI — signable by any Web3 wallet.