Questions, answered.
The short version: no KYC, your own keys, and the app picks the cheapest route for every payment.
Is there any KYC?
No. No sign-up, no ID, no Vietnamese bank account. You load Bitcoin or USDT and pay a QR. That is the whole flow.
Who holds my funds?
You can use your self-custodied Bitcoin Lightning wallet to make payments so you fully control your own funds, -OR- you may pre-fund a BitcoinVN account and spend from the wallet's balance in which case BitcoinVN holds funds on your behalf. Zap.Tips does not hold any funds.
What are the fees?
Zap.Tips takes no fee. You pay the BitcoinVN spread per asset (Bitcoin around 0.4%, USDT around 0.5%, fresh Lightning around 0.9%, Base chain around 2%), and network fees are paid by the sender. See the fees page for the full breakdown.
Which banks work?
Any Vietnamese bank on the VietQR / NAPAS network, more than 40+ institutions. Scan the bank or merchant QR, or upload a screenshot. For a full list of supported banks click here.
What are the limits?
USDT top-up minimums vary by chain: 0.50 on Polygon, Ethereum and Arbitrum, 5 on BNB and Solana, 4.90 on Base, 37.95 on Tron. Spending from balance starts around 16,000 VND for USDT and 66,000 VND for Bitcoin. A fresh Lightning payment starts at ~135,000 VND.
What if a payment fails?
Your funds stay safe in your balance. Nothing leaves until a payment settles, so a failed attempt does not cost you anything and funds are not moved. You can try again or contact support.
Is my key safe?
Yes. It is encrypted on your device with PBKDF2 (210,000 iterations) then AES-GCM under your passphrase. Only the ciphertext is stored, in your browser. The plaintext key lives in memory for the session only and never reaches our servers.
What assets and chains are supported?
Bitcoin over Lightning for direct payments, Bitcoin Lightning and on-chain for Account deposits as well as USDT on Polygon, Tron, Ethereum, Arbitrum, BNB, Solana and Base.
Is this a business?
No. Zap.Tips was built for the Bitcoiners to be able to more easily live on a Bitcoin standard in Vietnam.
Do you give financial advice?
No. Nothing here is financial or investment advice. Zap.Tips is a payment tool, not an advisor.