The same OpenRouter payment link can also be paid through ROZO Checkout with Bitcoin over Lightning, USDC or USDT on Solana, Ethereum, BNB Chain or Polygon, and USDC on Base or Stellar. Native SOL, ETH and BNB are not accepted on either path.
Everything below is what we verified on 14 September 2026 against OpenRouter's FAQ and its live checkout. Payment methods change without notice, so check the payment page in front of you before you send.
The short answer
On OpenRouter's own checkout: USDC, and only USDC. When you turn on the crypto option and click Purchase, OpenRouter generates a Coinbase-hosted payment link. At the time of writing that link accepts USDC on Base. Your USDC on Solana, Ethereum, Polygon or Arbitrum does not settle it, and neither does USDT.
Through ROZO Checkout, the same link can be paid with: Bitcoin over Lightning; USDC or USDT on Solana, Ethereum, BNB Chain or Polygon; and USDC on Base or Stellar. You paste the link OpenRouter generated, pick the coin and chain you actually hold, and a funder wallet settles the Coinbase invoice for you.
What neither path accepts: native SOL, native ETH, native BNB, or on-chain Bitcoin. On Solana and BNB Chain it is the stablecoin that moves, and Bitcoin goes over Lightning.
Every rail at a glance
Every rail at a glance, as of September 2026. Fees inside the link are OpenRouter's; the ROZO fee is ours and is shown before you pay.
- OpenRouter's own crypto checkout (Coinbase page): USDC only. Minimum $10. Fee: OpenRouter's 5%.
- OpenRouter's card checkout (Stripe): Visa or Mastercard, not crypto. Minimum $5. Fee: 5.5% with a $0.80 minimum fee, plus VAT in some countries.
- ROZO Checkout, Bitcoin: BTC over Lightning (any wallet that pays a BOLT11 invoice). Minimum: whatever is on your OpenRouter link, so $10. Fee: OpenRouter's 5% is already inside the link; ROZO adds 1%.
- ROZO Checkout, Solana: USDC or USDT, signed directly with Phantom, Solflare or Backpack. Same minimum and fees as above.
- ROZO Checkout, Ethereum, BNB Chain, Polygon: USDC or USDT from any wallet or exchange withdrawal. Same minimum and fees. Ethereum mainnet gas is disproportionate on a $10 to $20 top-up, so keep it for larger amounts; BNB Chain and Polygon are cheap.
- ROZO Checkout, Base and Stellar: USDC. Same minimum and fees. Stellar is the fastest and cheapest of the lot on network fee.
The network fee for sending your coin is separate on every crypto rail and is paid to the chain, not to OpenRouter or ROZO. On Solana and Stellar it is a fraction of a cent.
Where the wallet connector actually lives
OpenRouter's own site does not connect to your wallet. The crypto option hands you off to a Coinbase Business checkout page, and the wallet connector, Phantom included, lives on that Coinbase page. OpenRouter Support confirmed this on their Discord on 9 September 2026. So if Phantom refuses to connect, the problem is between your browser and the Coinbase page, not an OpenRouter setting.
A second message people see on that page is "Coinbase checkout is unavailable for this account". That is an account-level restriction on the Coinbase side. It is not a balance problem and it is not fixed by adding funds or switching wallets.
If you pay the link through ROZO on the Solana route, Phantom, Solflare or Backpack sign the transfer directly on Solana, with no Coinbase page in the middle. It takes about 30 seconds.
Paying from an exchange such as Kraken or Binance
You do not need a browser wallet at all if your USDC or USDT sits on an exchange.
To pay OpenRouter's Coinbase page directly, your exchange has to offer USDC withdrawals on the network the page names (Base at the time of writing). Not every exchange lists Base. If yours does not, the withdrawal cannot reach that page.
To pay the same link through ROZO, withdraw USDC or USDT on whichever supported network your exchange does offer (Solana, Ethereum, BNB Chain, Polygon, Base or Stellar) to the one-time deposit address ROZO shows you, and send exactly the quoted amount. Some exchanges only release withdrawals to addresses you have verified as your own; if yours does, withdraw to a wallet you control first and send from there. Our guides on paying from an exchange and paying from Binance walk through the withdrawal screen.
How to pay the same link with a coin OpenRouter does not list
- In OpenRouter, open Settings, then Credits. Turn on the crypto option, enter the amount ($10 or more) and click Purchase. Copy the payment link it produces.
- Paste that link at checkout.rozo.ai.
- Pick what you hold: Bitcoin over Lightning; USDC or USDT on Solana, Ethereum, BNB Chain or Polygon; USDC on Base or Stellar.
- Send the quoted amount to the one-time deposit address, pay the Lightning invoice, or approve the transfer in Phantom, Solflare or Backpack on the Solana route.
- A funder wallet settles the Coinbase invoice. Credits are applied after the payment settles on chain; the ROZO payment page shows live status until it does.
There is no ROZO account, no card and no KYC. ROZO sets no minimum of its own, but the amount on the OpenRouter link still applies, so the $10 crypto minimum carries over. ROZO is independent and not affiliated with OpenRouter, Coinbase or Boltz.
What does not change, whichever route you take
- The $10 crypto minimum. It is set on the link OpenRouter generates. ROZO settles that link and cannot lower it.
- OpenRouter's 5% crypto fee. It is already inside the amount on the link.
- Refunds. OpenRouter states that cryptocurrency payments are never refundable. That applies whether you paid the Coinbase page directly or through ROZO.
- Account restrictions. If OpenRouter or Coinbase has limited an account, no payment route lifts that. Only their support can.
If you want the cost of each amount spelled out, our post on the $10 crypto minimum has the $5, $10, $20 and $100 table for card versus crypto.