FAQ
mio.money is non-custodial payment infrastructure for businesses. You connect your own cold storage wallet. Customers pay you directly. Funds go straight to your wallet. We never touch them.
It means your money is never in our hands. Not for a second. Not in transit. Not in settlement. You are the bank and the processor. We built the rails.
Fintechs. Marketplaces. Global businesses. Crypto-native builders. Any business that wants to accept or send payments without handing control to a third party.
No. mio.money connects to your existing cold storage wallet — Trezor, Ledger, ColdCard, and others. We derive payment addresses from your wallet and monitor the blockchain. Your wallet stays yours.
You connect your hardware wallet directly or by pasting your XPub public key. We derive a unique Bitcoin or USDC address for every invoice. Your customer pays. We detect the transaction on-chain. Funds land directly in your wallet. We just watched.
Any hardware wallet that exports an XPub or ZPub public key. Trezor, Ledger, ColdCard, Foundation Passport, BitBox02, and Keystone all work today.
Never. mio.money has no wallet, no pool, no float, and no access to your money. Every payment goes directly from your customer to your cold storage wallet on-chain.
Yes. Customers can pay in any token — ETH, DOGE, SOL, anything. Our on-chain swap layer converts it automatically to USDC or BTC before it settles into your wallet.
You do. Always. Your private keys and seed phrase never leave your hardware device. mio.money only ever sees your public XPub key which cannot move funds.
No. Bitcoin and on-chain USDC transactions are final once confirmed. There are no chargebacks. No reversals. No disputes initiated by a third party.
No. mio.money is a software company. We do not custody funds, intermediate transactions, or act as a financial institution. The merchant is the processor who manages their own property. We are simply the infrastructure.
No. We do not take a percentage of transactions. We don't charge monthly minimums. We do not hold a float. We do not earn on your money. We are a pay-as-you-go SaaS model.
On-chain token swaps carry a 0.5% swap fee. This is shown clearly before any swap executes.
Our goal is one hundred businesses. Personally approved. Direct founder access. Pricing locked forever. You are not a customer in a queue. You are a partner in what gets built ahead of global public launch.
Fill out the application at mio.money/apply. We read every one personally. If we think it is a fit we reach out directly.