Moreta Pay Alternative: Pay by QR in Vietnam With a Stablecoin Balance (2026)
A Moreta Pay alternative that replaces the pre-trip errand: pay by QR, get a card and eSIM, and earn cashback, all from a balance you own.
Picture the old way to get ready for a trip to Vietnam. You block out an afternoon, sit in traffic to a bank or a money changer, take a number, fill in forms, argue over an exchange rate, and walk out with a thick envelope of cash you now have to guard. Somewhere in that queue is the traveler who got shortchanged, or handed a few counterfeit notes. Two hours gone before the trip even starts.
Now picture the new way. You are on your sofa. A few taps, and your spending money, your mobile data, and your payment method for the whole trip are ready. You land, you scan a QR code, you pay. That is what this Moreta Pay alternative is really about, and it runs a lot deeper than which app happens to be faster.
🎁 Reader bonus: Code c12M → pay by QR in Vietnam & the Philippines, no local bank needed. T&Cs apply.
Download Fizen →The old errand vs a few taps at home
The real saving is not seconds at checkout. It is the half-day and the risk you skip before you even fly.
- The old way: an afternoon in traffic, a queue and paperwork at a bank, haggling over FX, scam and counterfeit risk, and a wad of cash to protect.
- The Fizen way: set up from home in minutes, fund a balance you hold yourself, scan and pay on arrival, cash out later if you overfund, and earn cashback whenever you spend with the card.
How Moreta Pay works, and where it stops
Moreta Pay is a genuine step up from cash. You verify your identity with a passport photo and a selfie, top up from a home bank, SEPA, UK Faster Payments, or a card, and scan VietQR to pay in dong while it bills your home currency. It solves one slice, QR payments, and does it across many countries. But it pulls from your home account on each payment, so the currency conversion rides along every time, and it stops at QR. When you also need data, a card for the shops without a QR, a way to move money in and out, or rewards worth keeping, you are back to juggling other apps.
One setup, your whole trip sorted: the Fizen Super App
This is where Fizen stops being a payment app and becomes your travel command center. You came for QR payments. You walk away with a lot more, all from the same balance and the same few-minute setup.
Pay by QR, and tap a Visa card
Scan VietQR like a local, and let the same balance power a virtual or physical Visa card for everything without a QR code: flights, hotels, and online checkouts anywhere Visa is accepted.
Get online the moment you land
Buy a travel eSIM inside the app. Open the eSIM section, search your destination, choose a plan by validity and daily data, pay, and activate before you fly. No airport SIM kiosk, no roaming bill, and you step off the plane already connected.
Buy and sell crypto without leaving the app
Built-in P2P lets you buy crypto with fiat or cash out crypto to your bank. To buy, enter a fiat amount, accept the terms, and send the bank transfer shown. To sell, enter the crypto amount, pick the bank account to receive, and confirm. The fiat lands once the transfer is verified, so loading up before a trip and cashing out after is a few taps, not a trip to an exchange.
Swap for the best rate
The in-app swap, currently on Android, routes through the KyberSwap and 1inch aggregators, pooling rates across many exchanges so you get the best available price without hopping between platforms.
Cashback that comes back as something you keep
Most cards give you a small discount and call it cashback. Fizen gives you a choice. Card spending earns rewards you can take as gift cards, USDT, or the $FIZEN token. Prefer a plain gift card, take that. Curious about holding the token instead, that option is there too, and the earlier you start, the more of it the same spend earns. Either way you walk away with a little more than you came with.
And more from the same balance
Top up a phone, grab a gift card, book hotels and flights, or invest in tokenized U.S. stocks, T-bills, and ETFs. One account does the job of a wallet, a card, a SIM shop, an exchange, and a rewards program.
Own the bank, do not just rent an app
A neobank hands you an account and holds your money for you. Fizen flips that. Your balance sits in USDT, a dollar-pegged stablecoin, in a wallet you control. Your money, your keys, your call. No branch can freeze your trip on a public holiday, and no teller decides your rate.
That is a different feeling from renting one feature of one app. You are not a customer waiting in a queue. You hold the balance, you move it, you spend it by QR or card, you cash it out when you want, and you can earn on it while it sits. Freedom and control, in your pocket, before you even pack. Fizen is backed by Tether, the issuer of USDT, and verifies your identity once during setup. It is built for foreign visitors and expats in Vietnam and the Philippines, so residents cannot use it to scan their own domestic codes.
Frequently asked questions
Is Fizen a good Moreta Pay alternative?
If you want more than QR from one setup, yes. Fizen adds a Visa card, a travel eSIM, in-app buy and sell, and cashback on top of QR pay, and you hold your own USDT balance instead of pulling from a home account on every payment.
Do I need a Vietnamese bank account?
No. You fund Fizen once and scan local QR codes directly, so no local bank account is required.
Do Fizen and Moreta both verify identity?
Yes. Both verify your identity once. Moreta uses a passport photo and selfie; Fizen verifies you during setup.
What cashback do I get with Fizen?
Card spending earns rewards you can take as gift cards, USDT, or the $FIZEN token, whichever you prefer. If you like the token, the earlier you start, the more the same spend earns.
Can locals use it to scan their own country's QR?
No. Fizen QR Pay is built for foreign visitors in Vietnam and the Philippines, so residents cannot use it to scan their own domestic codes.
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Subscribe free →Do not trade an afternoon and an envelope of cash for one more single-purpose app. Set up Fizen tonight from home, and land tomorrow with payments, data, and rewards already sorted.
Fizen Super App
One app for QR pay, a Visa card, travel eSIM, buy and sell crypto, and cashback. Your money, your control.
Fizen QR Pay works wherever VietQR is accepted. Whether any individual payment goes through still depends on the merchant and the local network at the time. Fizen is backed by Tether, the largest digital-asset company and issuer of USDT. For more on Fizen QR Pay, see the Fizen QR Pay Docs and Terms of Use. This article is for informational purposes only and is not financial advice.
