The problem MizanPay solves

Access to interest-free credit remains a major gap in both traditional and decentralised finance. For many people who use crypto, they'd like to make purchases without tampering with their long-term investments.

In comes MizanPay — a Buy Now, Pay Later (BNPL) product built on top of Mizan, a zero-interest, liquidation-free liquidity layer for Web3.

MizanPay lets users lock crypto as collateral and receive stablecoins to spend, without paying interest or selling their assets.

With two flexible repayment options — a lump sum in 30 days or 4 instalments over 60 days — users can spread payments over time while keeping their crypto untouched. If someone misses repayment, the system fairly sells only what’s needed to recover the loan, deducts actual costs, and refunds the rest. No interest. No liquidation bonus. No exploitation.

Meanwhile, liquidity providers who stake USDC in the Mizan pool earn yield from real protocol usage — BNPL fees and flashloans — instead of relying on inflationary token rewards.

MizanPay makes crypto spending safer, fairer, and truly interest-free.
Accessible credit without compromise.