Payments
Your payment usernames stay on this phone. ZEM just opens the app you already use — you pay the other person directly.
A Pay Pact splits a fare in two. You and the other person agree on one price, half is paid when the trip reaches its halfway point, and the rest is paid when you arrive — so neither side is ever out more than half a ride.
No money is held. Each half opens your own payment app at the right moment.
Open a Pay PactOpens their PayPal.me page with the amount already filled in.
Opens Venmo's pay screen with the person and amount already set.
Opens their Cashtag page with the amount attached.
Zelle has no payment links — send it from your own bank app to this contact.
Dials M-PESA on your phone — you pick Send Money and enter this number.
Opens your crypto wallet with the address and amount already filled in.
Opens their Revolut.me page — you confirm the amount inside Revolut.
Paid in person — cash, Apple Pay or Google Pay. The agreement is still signed and recorded.
Wallet you control · proven signature adds trust
Prefer paying in crypto? Connect a wallet you already use (MetaMask, Coinbase, Rabby) to confirm who you are, sign trip agreements, and pay drivers or hosts directly. You keep your keys and your money — ZEM never holds either.
No balance, no escrow account, no platform wallet. Every settlement is a direct transfer between two peers on rails they already own.