Interest-free
No interest charged.
No interest paid.
The usual point of sale (POS) offers to lend you money, pay you interest, or move your money faster for a fee. We are building Amyn’s money tools a different way. Nothing is offered today.
Coming soon. Amyn is in development.
How the usual POS handles money.
Here is what the usual POS offers, as of October 2026. None of it is hidden. We describe it so the difference is clear.
| What is offered | How it works | What it costs |
|---|---|---|
| Cash advance | A lump sum now, repaid automatically as a share of each day’s card sales | A fee on top of the amount advanced |
| Instant payout | Card sales reach your bank sooner than the standard payout | 1.75% of each payout on two popular systems |
| Hardware financing | Pay for registers and card readers over time | Interest of about 15% a year on one popular system |
| Business savings | Your balance earns interest while it sits with the provider | You are paid interest, which many owners will not accept |
To be fair: the advance is money up front, the payout fee is optional, and the savings rate is paid to you. Each is a choice an owner can decline. We list them because an owner who will not touch interest has to read the fine print on every one.
Figures checked October 2026. Prices change without notice. Read our disclaimers.
Why this matters.
Many business owners will not pay interest, and will not earn it either. For some it is a matter of faith. For others it is simply a rule: a cost that grows with time is hard to plan around. Either way, most money tools in the usual POS are off the table for them.
A business should not have to choose between its values and the tools other businesses get. That is the gap we intend to fill.
Four rules for every money tool we design.
They are design rules today, not products.
No interest, charged or paid.
Amyn will not lend at interest, and will not pay interest on any money held with us.
Costs as fixed amounts, shown first.
If a tool has a cost, you see the full amount in dollars before you agree to anything. The number does not change with time.
No compounding late fees.
A late payment would never add interest, and no fee would ever be charged on top of another fee.
Built on interest-free models.
Where the usual POS offers a loan, we look for a structure such as fixed-cost installments. That means a price agreed at the start, split into equal payments, with nothing added.
The same thinking runs through the rest of Amyn. One simple card rate, published before launch. No monthly software fee. No hardware subscription or lease.
Our planned direction. Amyn is in development.
What fixed-cost installments look like.
The calculator below is an illustration, not an offer. It splits a purchase into twelve equal payments. The total on the last day equals the price on the first.
Pay over time, with no interest added.Planned featureIllustration only, not an offer of financing. Eligibility, fees, and terms will be published before launch.
What you can get today.
Nothing. Amyn has no money tool you can apply for. There is no rate, no limit and no start date, because none has been set. The waitlist is for Amyn itself, not for a financing product.
When a tool exists, it will have its own terms and notices, and this page will say so. Until then, read our disclaimers for what is planned and what is built.
Questions, answered.
Will I be able to offer my customers interest-free installments?
That is the idea the calculator illustrates. Whether, when and on what terms depends on decisions we have not made yet. We will not say yes until we can say how.
Is “interest-free” the same as free?
No. A tool can have a cost and still be interest-free. The cost is a fixed amount you see first, not a percentage that grows while you wait.