The payments stack for businesses that refuse to let anyone hold their money.
mio.money is non-custodial payment processing for businesses that want to accept Bitcoin and USDC without giving up control. Funds settle directly to your wallet. No banks. No middlemen. No one between you and your money.
How it works
Connect your cold storage wallet. Export your XPub or ZPub from a Trezor or Ledger hardware wallet. The private key never leaves the device.
Create an invoice. Set an amount in USD. mio.money derives a unique payment address from your XPub.
Customer pays. They scan the QR code and send BTC or USDC. They can also pay in any token (ETH, DOGE, SOL) and it auto-swaps to USDC before settling.
Funds hit your wallet directly. mio.money watches the chain. The moment the transaction is confirmed, the invoice is marked paid — but the funds are already in your hardware wallet.
Treasury. See balances across wallets in real time. Tax lots are tagged per payment.
Pay vendors. Send BTC, USDC, or other supported tokens directly to a counterparty's wallet (Monthly plan).
KYC / KYB on demand. Verify customers ($5/check) or businesses ($10/check) when you need to.
POS. Turn any tablet into a register. Customer scans, pays in crypto, funds settle to your cold storage instantly.
People hub. Manage customers, contractors, vendors, employees in one place.
Sovereignty. Your keys, your wallet, your money. Always.
Trust model
mio.money sees but does not touch. We watch the public blockchain to detect when an invoice is paid. We never hold the funds, never have a key to your wallet, and never sit between you and the money. If mio.money disappeared tomorrow, your wallet and your funds would be unaffected.
Pricing
Free tier: 10 invoices/month, 0% transaction fees. Pay As You Go: $1 per invoice (drops with volume), 0.5% swap fee, credits never expire. Monthly: payouts, full API, custom branding and domain day one, full white-label. See pricing.
Who it's for
Bitcoin-native businesses
Treasuries that want crypto on the books without a custodian
Service businesses tired of 2–3% card fees
Communities running peer-to-peer commerce
Founders who refuse to give a third party control of their money