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How it works

What actually happens when you pay.

Four steps, from your wallet to the shop counter. The shop never touches crypto, you never hand over your keys, and you see the full amount before you confirm.

STEP 01

Download and verify, once.

Install NomiOne, sign in with your phone number and an SMS code, then verify your identity. This is a one-time check by an independent provider and is required before any crypto payment.

  • Takes a few minutes with a passport or national ID
  • Your documents are never shown to the shop
  • Done once, not per payment
9:41
VerifyThimphu · BTN
PHONE NUMBER
+65 •••• 4821
SMS CODE
4821
IDENTITY CHECK
One time · about 3 minutes
Continue
STEP 02

Scan the shop's QR.

Point the camera at any supported local payment QR in a live corridor. NomiOne reads the merchant and the amount, then shows you the conversion into your coin and the rate it is using.

  • Amount in local currency and in your coin, side by side
  • Rate held for 60 seconds while you decide
  • If the QR has no amount, you type it in
9:41
ScanThimphu · BTN
Point at the shop's payment QR
Enter amount instead
STEP 03

Confirm from your wallet.

Pick which connected wallet pays, check the lines, and approve. The approval happens in your own wallet app, so nothing moves unless you say so.

  • Any NomiOne fee and the network fee shown as separate lines
  • You can cancel at any point before you approve
  • Blockchain transfers cannot be reversed once confirmed
9:41
PayThimphu · BTN
PAYING
Ambient Cafe
Nu 420.00
≈ 4.98 USDC · rate locked 60s
FROM WALLET
USDC · 0x7a3f…c21e
MERCHANT RECEIVES
Nu 420.00 · local bank
✓
Confirm and pay
STEP 04

The shop is paid in local currency.

The partner bank in that corridor pays the merchant the full QR amount in its own currency, the same way it is paid for any other QR payment. You both get a confirmation.

  • The shop handles no crypto at all
  • A receipt is saved in the app
  • Nothing changes for the shop's existing setup
9:41
PaidThimphu · BTN
✓
Nu 420.00
Paid to Ambient Cafe
SETTLED BY
Local bank · in ngultrum
✓
YOU PAID
4.98 USDC · incl. network fee
Two sides of one payment

What you see, and what the shop sees.

You

A crypto payment from your wallet

You see the merchant name, the local amount, the coin amount, the rate, the fee lines and a confirmation. Your wallet records one outgoing transfer.

Ambient CafeNu 420.00
Paid in USDC4.98 USDC
StatusConfirmed
The shop

A normal local QR payment

The shop sees a payment arrive from its bank for the full QR amount in local currency, under the same merchant account it already uses. No crypto, no new app, no new device.

FromPartner bank
AmountNu 420.00
ReferenceNomiOne · 7A3F
Timing

How long it takes once you confirm.

  1. InstantlyYou approveThe transfer leaves your wallet the moment you confirm in your wallet app.
  2. Seconds to a few minutesNetwork confirmsDepends on the coin and network you chose. Stablecoins on Polygon or BNB Chain are usually fastest.
  3. Right afterShop is notifiedThe merchant sees the payment on its usual bank channel.
  4. SavedReceipt in the appAmount, coin, rate, fees and reference, kept in your history.
What it costs

Every line, before you confirm.

A worked example. The rate comes from the app at the moment you pay; the numbers here are only to show the shape of it.

The shop always receives the full QR amount in local currency.

Amount at the counterNu 1,000.00
Rate usedIndicative, held for 60 seconds1 USDC = Nu 84.32
Coin amount11.86 USDC
NomiOne feeShown as its own line, never hidden in the rateTo be confirmed
Network feeSet by the blockchain, not by NomiOneVaries by network
You pay11.86 USDC + fees
Indicative only. The exact amount, rate and fees are shown in the app before you confirm. The fee schedule is published here once it is agreed.
Wallets and coins

Use the wallet you already have.

Connect one or more wallets and choose which one pays. Supported coins are read from the same settings the app uses, so this list is always current.

Pays with
MetaMaskBinance Web3 WalletCoinbase WalletTrust WalletPhantomOKX WalletRainbowLedgerTrezorExodus

Any wallet that supports WalletConnect can also be linked. See all supported wallets →

No crypto wallet yet?

Setting one up takes about ten minutes. Six steps:

  1. Choose a wallet from the supported list and install it from the official store.
  2. Write down the recovery phrase and keep it private and offline.
  3. Put a supported coin in it, for example USDC on Polygon.
  4. Open NomiOne and connect the wallet.
  5. Make a small test payment to see the flow end to end.
  6. Keep your phone charged and your data on when you travel.
NomiOne will never ask for your recovery phrase. Anyone who does is not us.

Ready to try it?

Get the app, verify once, and your wallet works at the counter.

Download on theApp StoreGet it onGoogle Play