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Innopay AMA - Ask us anything

BY: @innopay | CREATED: May 13, 2026, 12:42 p.m. | VOTES: 57 | PAYOUT: $0.79 | [ VOTE ]

[IMAGE: https://files.peakd.com/file/peakd-hive/innopay/EowEDqJg2PnFoRzbZ5Vie5q5p3HypyehgUkc9xNxLugcz2dxGGWjSqpHN53FMKsL9T9.png]

Hello Hiveans!
The Innopay team is here for an open AMA. Drop your questions in the comments and we'll answer every one.

Who we are

Innopay is a local payment system for restaurants and small merchants, live in Luxembourg and Romania. We are built on Hive; HBD is the backbone of our payment and treasury infrastructure. Merchants pay zero transaction fees.

Card processors charge 1.5-3% per transaction. On a 4-5% restaurant margin, that costs a restaurant doing €50,000 in monthly card revenue between €750 and €1,500 a month. Innopay removes that cost entirely by settling payments on-chain through HBD.

How it works

Customers load a stored-value wallet and order or pay via QR code at the table or counter. Merchants get instant settlement. No card network, no intermediary, no fee extraction.
Payments settle using HBD on the Hive blockchain. For end users it is a QR code and a quick order. No seed phrases, no wallet setup, no crypto literacy required. The on-chain layer runs underneath, invisible to the customer but doing all the work.
The on-chain layer runs underneath, invisible to the customer but doing all the work.

That being said, if paying at a restaurant sparks curiosity about what is running underneath, Hive is worth exploring. It is a fast, decentralized blockchain with a thriving ecosystem of dApps, content platforms, and real-world projects and a warm community. OffChain Luxembourg exists partly for this reason: to guide curious people from their first QR code payment all the way into the Hive ecosystem if they want to go further.

Merchants get a dashboard with transaction history and reporting tools. Customers earn cashback on wallet spending.

How Innopay makes money

Customer wallet balances are placed in HBD savings, currently earning around 15% APR on-chain. Customers receive a share of that yield (~2.25%). Innopay earns the spread (~12.75%).
No transaction fees. Revenue comes from the Hive blockchain savings rate, not from taxing every sale. The model works because Hive makes it sustainable.

Where we are

We are live in two markets: Luxembourg and Romania.
Luxembourg has around 2,900 Horeca businesses, high purchasing power, and mobile wallet adoption above the EU average.
Romania is our second active market, where we are onboarding local merchants and building out the OffChain community.

Innopay is a project of OffChain Luxembourg, a nonprofit and active part of the Hive ecosystem promoting real-world blockchain adoption in Europe. OffChain handles community building, education, and merchant onboarding. Innopay runs the payment infrastructure.
We are live in two markets: Luxembourg and Romania.
Luxembourg has around 2,900 Horeca businesses, high purchasing power, and mobile wallet adoption above the EU average. Food service revenue grows from €2.27B (2023) to a projected €2.86B by 2028.
Romania is our second active market, where we are onboarding local merchants and building out the OffChain community.

The roadmap: deepen adoption in Luxembourg and Romania, then extend the model to other European cities.

Ask us anything

We get questions about all of these, but anything goes:

Drop your question below. We'll answer in the comments.

If this post is useful to you, an upvote or reblog helps more people in the Hive community find us. We are building real-world adoption for HBD. Every merchant we onboard is one more place where Hive touches the physical economy.

TAGS: [ #innopay ] [ #hive ] [ #europe ] [ #hbd ] [ #finance ] [ #restaurant ]

Replies

@pastrane | May 14, 2026, 3:48 a.m. | Votes: 1 | [ VOTE ]

What are your short, medium, and long-term goals?

@innopay | May 14, 2026, 2:59 p.m. | Votes: 0 | [ VOTE ]

Great question, and one we are genuinely excited to answer:

Short term (next few months)
Our first milestone is already in motion. We are onboarding Zen Bar, our venue in Bucharest, as the first live Innopay merchant in Romania. That means setting up the full menu, configuring the QR ordering system, and going live with real customers. Every first deployment teaches you something you cannot simulate in a test environment, and Zen Bar is that proving ground for us in Romania.

Alongside that, we are organising what we call the Bitcoin Pizza Party thanks to PizzaDAO, a community event running in both Luxembourg and Bucharest. The idea is simple: bring people together, let them have free pizza, they can pay for drinks using Innopay or BTC, and make their first experience with the system a social, low-stakes one. It is one of the best ways to introduce people to what we are building because they get to feel it rather than just hear about it

Medium term (roughly 12 months out)
Our target is 10 to 15 restaurants onboarded across both markets. It is the range where the model becomes self-sustaining and where we can generate real data on merchant retention and customer behaviour.
We recently found a sales person based in Romania who knows the local hospitality market well. That changes our pace considerably. Up to now, growth has been driven by community relationships through OffChain. Adding dedicated sales capacity means we can move faster and reach merchants we would not have found organically.

We are also working on fundraising during this phase. Scaling across two countries takes capital, and we want to build the right runway to do it without cutting corners on onboarding quality or merchant support.

The long term
The vision is Innopay running in multiple cities and countries across Europe (and not only!). The model is designed to be federated, each city can run its own local instance, supported by a local OffChain community, while sharing the same infrastructure and treasury mechanism. Luxembourg and Romania are the blueprint. If we get those two right, the playbook exists for the next city.

@pastrane | May 16, 2026, 10:57 p.m. | Votes: 1 | [ VOTE ]

It sounds like a serious and professional project. I hope @innopay have a great success. I wish you all the best.

@ph1102 | May 14, 2026, 3:18 p.m. | Votes: 0 | [ VOTE ]

How do customers (for example, restaurants) get cash out of HBD? Do they have to do some "crypto magic," or have you created a simple way to do it for them?

> How Innopay makes money
Customer wallet balances are placed in HBD savings, currently earning around 15% APR on-chain. Customers receive a share of that yield (~2.25%). Innopay earns the spread (~12.75%).
No transaction fees. Revenue comes from the Hive blockchain savings rate, not from taxing every sale. The model works because Hive makes it sustainable.

I like that you thought about the business model, as I find it very important to be profitable... That's the only way that pushes some businesses to grow and work in the long term!

All the best!

@shaunmza | May 14, 2026, 3:53 p.m. | Votes: 0 | [ VOTE ]

> Customers load a stored-value wallet

How do they do this?

Do they pre fund, then top up that wallet as-needed using fiat? Or card payments?

@hivebuzz | May 14, 2026, 4:38 p.m. | Votes: 0 | [ VOTE ]

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@nlend145 | May 15, 2026, 2:18 p.m. | Votes: 0 | [ VOTE ]

cool

@kachy2022 | May 19, 2026, 5:08 p.m. | Votes: 0 | [ VOTE ]

This looks like a good project which is profitable. We need profitable businesses that will attract merc

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