Ozapay

Ozapay (OZA) is a payment application that aims to let individuals and merchants send, receive, and exchange both traditional currencies — euros, dollars, and pounds sterling — and cryptocurrencies using a smartphone, without requiring a dedicated payment terminal. It targets people who want to manage money across the fiat and crypto divide while retaining direct control of their funds through self-custody. The project positions itself as a regulated alternative to conventional banking, operating under KYC, KYB, and AML compliance standards.

Transactions can be initiated via NFC tap or QR code scan through the Ozapay application, which sits within the Solana ecosystem. The OZA token functions as a reward instrument — merchants distribute it as cashback to customers — and as a medium of exchange within the platform. Users can also access both virtual and physical Mastercard cards linked to the application, and a partner network that offers discounts funded through the merchant side of the ecosystem.

The data stored for Ozapay does not include a fee revenue stream, so fee-based measures such as protocol income or fee yields are not available on this site. The economic model described centres on merchant-funded cashback paid in OZA tokens and a partner discount network, meaning value flows are tied to merchant participation rather than a protocol fee collected at the network level. Circulating supply stands at 909,588,286.52 OZA against a maximum supply of 996,889,071.62 OZA, leaving a dilution overhang of approximately 9.60% of maximum supply still to enter circulation. The fully diluted valuation is 1.096 times the current market capitalisation, reflecting that relationship between circulating and maximum supply.