Our History

Anypay started as the side-project of a young employee at a San Francisco startup called Ripple. Steven Zeiler dreamed of using digital cash in stores and restaurants to pay for real goods and services. He built the first implementation of Anypay back in 2015. It was a simple app that allowed anyone to create an invoice for XRP and someone else to pay it. Simple. But no one cared to use it. 

Fast forward a couple years later, and the bitcoin craze drove transaction fees sky high. The crypto market was frozen. No one could use their beloved bitcoin as money anymore. The dream of using digital cash was quickly dying. Until some of Steven’s friends in New Hampshire asked him to make his Anypay invoicing app work for Dash, an alternative to bitcoin. In a few hours around a campfire in the woods, Steven tapped out the code that would become the Anypay used today by people all over the world.

By following the simple principle of letting crypto-spenders guide merchant adoption, Anypay has built personal relationships with hundreds of merchants on five continents and their dedicated user base. Today Anypay processes multiple types of cryptocurrencies in every kind of business from major e-commerce giants in New York City to owner-operated stores in the back-roads of Bamahu, Ghana. No matter how far we grow, we are led by the users — the real heroes of crypto adoption.


Anypay leads the way in crypto-accepting merchants. We focus on frequent use instead of rapid growth and have nurtured a community of businesses who regularly accept cryptocurrency — then turn around and spend it with each other. Anypay leads by example by spending crypto every day, and showing others how fun and easy it is. We know that if crypto adoption is going to happen, it’s up to us to make it happen.


First, do no harm. Our values are simple. Do unto others, and honor your commitments. Do not lie, do not steal. It is by this guiding principles that we do everything. We promote use of cryptocurrency because to promote fiat currency would be to lie: to defraud our brothers and sisters of earth by passing around IOU debt notes and steal from the savings of others through inflation. Yes, we also happen to make great software.


We are committed to bringing you the best experience possible, and that means helping facilitate payments without getting in the way. Our revenue comes from services we sell to our customers to bring together crypto-merchants and the crypto-users who want to shop there.