SurfCash – Borderless crypto payments via local QR codes

Summary: SurfCash enables spending crypto at 70% of merchants in developing countries who don’t accept cards by converting crypto payments into local fiat via existing QR codes. It reduces payment fees by up to 75% compared to cards and supports stablecoin yields within the app.

What it does

Users deposit crypto and pay merchants by scanning local QR codes like VietQR, PIX, or PromptPay, with merchants receiving fiat directly in their bank accounts. The app also offers up to 15% yield on stablecoins held in-app.

Who it's for

Nomads, travelers, and expatriates in developing countries who lack access to local bank accounts and card payment networks.

Why it matters

It solves the challenge of paying merchants without cards or local bank accounts, avoiding high fees and unreliable underground payment methods.