White or Lite?

If you’re looking for a quicker overview, the Lite Paper offers a concise, easy-to-read version of the full White Paper – perfect for skimming, sharing, or getting up to speed in minutes. Download the PDF (2mb) for a streamlined take on our mission, model, and key insights.

1. Introduction

Zypto is a community-powered crypto payments ecosystem that connects blockchain-based financial tools with real-world adoption.

It is governed by a collaborative model that brings together:

2. Vision and Values

Zypto’s mission is to promote and facilitate real-world blockchain usage by ordinary people and companies around the world, through the creation of quality products and services and cooperation with its global community.

Core values:

• Utility – The Zypto ecosystem is based on real world usefulness
• Innovation – Zypto evolves alongside and ahead of market needs
• Sustainability – Zypto products and initiatives are designed and built to last
• Community – A core part of what makes crypto – and Zypto – special
• Integrity – Zypto is respectful and responsible in everything we do

3. Ecosystem Structure

Zypto Company

• Develops products including Zypto App, Zypto Pay, and Prepaid Services
• Makes regular marketing contributions to the Foundation (as is outlined on zypto.foundation)
• Will support governance integration and other Foundation initiatives through the Zyptopia section of Zypto App

Zypto Foundation

• Cayman Islands-based nonprofit
• Coordinates outreach, growth initiatives, and engagement
• Operates as a private members club for registered token holders, also known as Zyptopia
• Holds quarterly reviews with the Company to assess growth, participation, and marketing performance

Zyptonians

• Token holders who join Zyptopia by registering through the Rewards Hub/Zyptopia in Zypto App
• Users of Zypto products and services
• Brand ambassadors for the Zypto ecosystem around the globe
• Participate in governance, referral campaigns, and Foundation initiatives
• Receive enhanced perks and incentives through participation in Zyptopia

4. Products and Services

Zypto App

• Secure, non-custodial multichain wallet
• Vault Key Card support for cold wallet security
• Built-in multichain and DEX swaps
• Integrations with many fiat on/off ramping with 130+ methods
• MoneyGram Cash<->USDC, powered by Stellar.
• Rewards Hub with an ever-growing selection of ways to earn rewards, bonuses, discounts and prizes
• Zyptopia section for $Zypto token-holder perks, voting, and engagement

Zypto Pay

• Crypto merchant payments
• V2 under development
• The backend system powering much of Zypto’s prepaid payment products

Prepaid and Utility Tools

• Zypto VISA Cards
• Singe Use Visa and Mastercards
• Gift Cards 
• Bill Payments
• Mobile top-up – coming soon
• Hotel, car rental, experience booking – coming soon

5. $ZYPTO Utility Token

The $ZYPTO Token provides

• Governance participation
• Access to token-holder benefits
• Eligibility for ZYP incentives from the Foundation inside Zyptopia

Technical details

• Symbol: $ZYPTO
• Network: Ethereum (ERC-20)
• Max Supply: 1,000,000,000
• Contract Address: 0x7A65CB87F596Caf31a4932f074c59c0592bE77D7
• Burnt supply (Approx 11.5% of supply): View on Etherscan

Tokenomics

• Buy: 0%
  
• Sell: 2% (1.5% Foundation, 0.5% LP)
• Can be adjusted following a community vote up to a total maximum of 4% between both buy and sell. This maximum is established in the smart contract and cannot be modified.

Listed on

6. Foundation Funding Sources

The Foundation receives contributions from several sources.
Primary Sources of Funding:

Marketing Effort Contributions (Company)

Description: Allocations from product volumes
Shared with Community: Yes
Notes: ZYPs credited to the Foundation and partially distributed through Zyptopia. Product specific breakdowns at zypto.foundation/funding

Foundation Referral Code (Referred Users)

Description: Earnings from referrals using Foundation link
Shared with Community: Yes
Notes: Pooled into the overall incentive distribution pool

Tokenomics-based Contributions

Description: Fees from DEX trades (1.5% from sell tax)
Shared with Community: No
Notes: Added to the DEX LP or to the Token Fund wallet for Foundation initiatives according to the community-voted percentages.

Donations

Description: Donations from supporters
Shared with Community: No
Notes: Donations can be made to the Token Fund wallet by anyone wishing to support the Foundation’s mission.

* All of the above are distributed based on the current community-approved allocation model and ensure that holders directly benefit from the success of Foundation outreach, referrals, and campaign activity.

7. Community Incentives and Zyps

Users that register $Zypto holdings in Zyptopia receive multiple advantages:

Incentives, cashback and such are credited as ZYPs, which are non-transferable, in-app points earned by using Zypto products and services, participating in quests, offers and competitions for registered token holders inside Zyptopia.

They are designed to grow user engagement and grant access to:

• Loyalty-level upgrades
• Cashback bonuses
• Product discounts
• Governance influence
• Engagement incentives
• Discounts on Zypto products and fees

The percentage amount of ZYPs allocated to Zyptopia members is determined through quarterly votes. The initial community allocation of Foundation ZYPs is 90%.

This percentage allocation will be subject to a quarterly community vote, which can approve a maximum change of 5% per quarter.

The minimum theoretical community allocation is 50% of all available incentives (although in practice it is likely to remain substantially higher). The highest is 90%.

* Even earnings generated by Foundation outreach (e.g. via referral campaigns) are shared proportionally with Zyptopia members.

8. The Booster System

Zyptonia’s Booster System automatically increases the Rewards Hub level of users based on:

• Lifetime accumulated ZYPs
• Registration in the Zyptopia section of the app
• Ongoing holdings of $ZYPTO

Higher levels in the Rewards Hub unlock:

• Increased cashback on supported services
• Bonus multipliers for in-app activities
• Early access to partner promotions

9. Governance System

Until the in-app voting system is live, voting will take place on Snapshot using a temporary weight-based system.

Zypto governance through Zyptopia will use a quadratic voting model.

This model ensures:

• Broader participation
• Less influence concentration
• Greater fairness in token-holder decisions

Governance voting topics include:

• Allocation splits for community incentives
• Foundation Council elections
• Funding decisions regarding large campaigns, listings, etc.
• Ecosystem development proposals

10. Referrals and Shared Growth

Zyptonians can:

• Share their personal referral link
• Promote the Foundation’s referral code to support collective campaigns

Earnings from the Foundation referral code are shared with the community.
This structure rewards individuals for growing the ecosystem and makes it more attractive to promote Zypto as a group. Greater adoption = more shared incentives.

11. Joining Zyptopia

To become a full Zyptonian and access ZYPs, governance, and perks:

• Hold $ZYPTO tokens
• Register your wallet in the Zyptopia section of the Rewards Hub in the Zypto App

Only registered $Zypto-holding wallets can:

• Earn daily engagement-incentive ZYPs
• Vote in governance
• Access the Booster System and other token-holder perks

Thanks to the unique way the Rewards Hub works, it is possible to register multiple wallets in a single user’s Rewards Hub, including wallets that are not yet imported in Zypto App such as hardware devices.

12. Role of  Zyptopians

Zyptonians are:

• Advocates for adoption
• Educators and community leaders
• Cultural stewards of the ecosystem
• Contributors to governance, incentives, and brand growth

Zyptonians are expected to:

• Follow respectful public behavior
• Avoid illegal or inappropriate activity
• Represent the Foundation and Zypto brand responsibly

13. Brand and IP

The Zypto brand and all underlying technology remain the intellectual property of Zypto Company.

The Foundation operates under a limited-use license to promote community engagement and token-holder initiatives in line with ecosystem goals, which is extended to Zyptonians.

14. Foundation-Led Initiatives

The Foundation may allocate its portion of contributions to:

• Growth campaigns
• Onboarding and educational grants
• Listings other initiatives to make $Zypto available to a broader audience
• Charitable efforts (approved via community vote)

Performance Reviews:

Zypto Company will hold quarterly reviews with the Foundation to ensure growth, campaign efficiency, and ongoing alignment.

15. Roadmap

Company Roadmap: @zypto.com

Q2 2025

• Foundation white paper published
• Foundation referral program launched
• Voting opens on Snapshot

Q3 2025

• Continued community-led governance initiatives
• Community vote on charitable allocation
• Zyptopedia wiki goes live

Q4 2025

• Quadratic voting integrated in Zyptopia
• Community grant program

16. Disclaimer

Zypto’s continued success depends on active collaboration between its Company, Foundation, and community. This balance ensures sustainable growth, shared incentives, and global credibility.

Zyptonians are at the center of this mission. As engagement grows, so do the tools, benefits, and impact of the ecosystem. With shared governance and transparent cooperation, Zypto is building something special that rewards participation at every level.

🔗 zypto.foundation

This whitepaper and the Zypto utility token is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any state, country or jurisdiction where such distribution, publication, availability or use would be contrary to corresponding laws or regulations.

This whitepaper is intended for general informational purposes only and is not a prospectus or offer document of any kind, and is not intended to constitute an offer of securities or a solicitation for investment in securities in any jurisdiction.

The content contained in this whitepaper should not be interpreted as professional financial, tax, legal, or business advice, nor as a provision for any type of advice. You agree to consult your own legal, financial, tax or other professional advisor/s before engaging in any activity in connection herewith.

To the maximum extent permitted by law, the Zypto Foundation and Zypto ecosystem partners, their affiliates, directors, employees, contractors, advisors and/or contributors who contribute in any manner shall not be liable for any direct, indirect, special, incidental, consequential and/or other damage or losses of any kind which you may suffer in connection with this whitepaper or your reliance on it.

By participating in the Zypto ecosystem (which includes but is not limited to buying, selling, owning, possessing, holding, and using the Zypto token in any way), the participant acknowledges that they have read and understood this disclaimer and agree to be bound by the terms of this disclaimer.

The Lite Paper

The Lite Paper offers a concise, easy-to-read version of the full White Paper – perfect for skimming, sharing, or getting up to speed in minutes. Download the PDF (2mb)  for a streamlined take on our mission, model, and key insights.