PEYMO Reinvents Cash: The World's First Universal Crypto-to-Crypto QR Payment App

WESTMINSTER, U.K. - Jan. 12, 2026 - PRLog -- Following earlier announcements, we are releasing a major upgrade to our vision with the upcoming launch of the PEYMO App on Google Play and the Apple App Store.

PEYMO introduces something fundamentally new: a payment system where consumers pay directly from crypto, and merchants receive crypto instantly, anywhere in the world — simply by scanning a QR code.

• No cards.
• No banks.
• No terminals.

Cash, Reinvented for the Digital World
Cash once had a unique advantage: freedom, you paid instantly, without intermediaries, approvals, or explanations.
PEYMO brings that same freedom into the digital age.

Instead of physical banknotes, users pay with decentralized electronic money in a non-custodial wallet on their phone. PEYMO restores financial independence through decentralized ownership — without the downsides of physical cash.

• No counterfeit risk
• No physical handling
• No loss of value through intermediaries
• Fully transparent and final transactions on a ledger

How It Works

1. Download the PEYMO app on your phone
2. Scan the QR code presented by the merchant
3. Pay instantly from one of your crypto accounts
4. The merchant receives crypto immediately

The entire process completes in under half a second — often faster than card payments, without waiting for confirmations.

A Breakthrough for Merchants
For merchants, PEYMO turns a smartphone into a complete point-of-sale system.

There are:

• No payment terminals
• No hardware rental contracts
• No monthly POS fees
• No requirement to be connected to a local bank
• No dependency on card networks or acquirers

Merchants receive funds instantly into their crypto wallet with immediate settlement. Transaction costs are significantly lower than traditional card rails, with no chargeback risk.

All that's required is the PEYMO Merchant App.

Faster, Cheaper, Final
Compared to traditional card payments, PEYMO delivers:

• Near-instant transactions
• Lower fees for merchants
• Immediate settlement
• Global usability from day one

This is not an incremental improvement . It is a replacement.

A New Payment Standard
PEYMO is redefining everyday payments by combining:

• Decentralized wallets
• Instant QR-based payments
• Global, bank-independent acceptance

The result is a payment experience with the simplicity of cash, the speed of modern technology, and the freedom of decentralization.

The PEYMO app is launching soon on iOS and Android.

This is cash — reinvented for a decentralized world.

About Peymo
Peymo Ltd is a UK-based fintech company pioneering AI-powered personal finance solutions.

Media Contact:
Tomas Bartos
Email: tb@peymo.com
www.peymo.com