Crypto Payment Gateway, non-custodial, $0 fees · Shieldz

# Shieldz > Shieldz is a non-custodial crypto payment processor for merchants, freelancers, and creators. Accept USDC and USDT across five chains (Base, Arbitrum, Optimism, Polygon, Ethereum) plus native Bitcoin and shielded Zcash, with $0 platform fees and no KYC to start. For direct settlement (the buyer pays the same token the merchant receives), payments route straight from the buyer's wallet to the merchant's own wallet; Shieldz only watches the chain and tells you it landed. Optionally, buyers can pay in almost any coin, in which case the conversion is performed by independent, non-custodial swap protocols (NEAR, Chainflip, Relay) and the settled token still lands in the merchant's own wallet. Either way Shieldz never holds, freezes, or can seize funds, and it takes no fee on the swap. ## What it is - Non-custodial by design: funds settle directly to the merchant's own wallet. Shieldz never holds a key or a balance and cannot redirect, freeze, or skim payments. - $0 platform fees: no transaction, percentage, affiliate, or take rate, merchants keep 100% and pay only the blockchain network gas. - No KYC to start. No chargebacks. No account that can be frozen. - Settle to: USDC/USDT on Base, Arbitrum, Optimism, Polygon, and Ethereum; native BTC; shielded ZEC (private, off-ledger). - Pay with (swap-settle): buyers can also pay BTC, ETH, BNB, AVAX, LTC, DASH, BCH, TON, ZEC, and stablecoins across chains, auto-swapped to the merchant's chosen token. Swaps route over independent protocols (NEAR, Chainflip, Relay) via the LeoKit aggregator. - Hosted checkout pages, shareable payment links, a Stripe-style REST API, an official open-source Node/TypeScript SDK (@shieldz/sdk), HMAC-signed webhooks, test mode, and a Telegram bot. ## How it stays free - $0 platform fee, no percentage of sales, ever. Shieldz takes no affiliate or routing fee. - Free accounts show one brief sponsored card on the checkout's "payment confirmed" screen while funds settle; that covers server a

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