Own the client relationship.
Deliver branded business web and consumer mobile experiences. Keep ownership of your brand, clients and commercial model.
ONE PLATFORM. YOUR FINANCIAL ECOSYSTEM.
Connected finance.
Built around
your brand.
Launch accounts, payments, cards and digital assets as one connected experience. Zenpay brings your products, providers and operations together on a configurable white-label platform.
For banks, money service businesses and fintechs.
Accounts & FXPaymentsOverdraft & creditCard programsDigital assets
THE ZENPAY ADVANTAGE
A complete experience.
Without a fragmented stack.
Your clients see one brand. Your teams should have one connected platform behind it. Zenpay brings the financial journey together, from onboarding and funding to transactions, settlement and reporting.
Shape your proposition.
Select your products, currencies and providers. Configure fees, limits and access around the markets and clients you serve.
Work from one shared view.
Connect client records, transaction controls and servicing across products, with one back office for day-to-day operations.
EXPLORE THE PLATFORM
Start with what you need.
Connect what comes next.
Launch a focused proposition, then extend your product mix using the same client foundation, controls and operational framework.
THE FOUNDATION OF EVERY CLIENT RELATIONSHIP
Every currency. One connected account experience.
Bring everyday balances, currency conversion and account activity into one place. Give individuals and businesses a consistent way to manage money across products and currencies.
Multi-currency accounts
Manage fiat and digital-asset balances within a shared client and account structure.
Quote-based FX
Present exchange quotes and configure your commercial pricing around the client journey.
Account servicing
Keep beneficiaries, transaction history and statements connected to the same client record.
Flexible funding
Connect accounts to the payment rails and funding routes selected for your program.
MOBILE & WEB. ONE CONNECTED EXPERIENCE.
A PLATFORM YOUR CLIENTS EXPERIENCE
Your identity.
Across every touchpoint.
Your proposition comes to life through the channels your clients use every day. Bring consumer convenience and business functionality into a consistent, branded experience.
01
Consumer mobile app
Accounts, transfers, FX, cards and digital assets in an accessible everyday experience.
02
Business web & mobile
Beneficiaries, payments, overdraft, settlement and account activity for business clients.
03
Your own channels, connected by API
Build on your existing experience with access to Zenpay’s underlying platform services.
SOLUTIONS FOR YOUR BUSINESS
Different ambitions.
A connected foundation.
Build around your client journey, whether you are modernising an account proposition, expanding payments or connecting fiat and digital assets.
Extend your digital proposition.
Bring accounts, overdraft and cards into a coherent digital experience, with configurable servicing and controls.
- Branded web and mobile channels
- Account-linked card and credit programs
- Limits, approvals and operational oversight
A journey to explore
Discuss your proposition ↗Onboard a client, open an account, approve an overdraft and issue a card within a connected program.
Make money movement your strength.
Connect multi-currency accounts to FX, beneficiary payments and bulk payouts, with room to extend your offering.
- Individual and business client accounts
- Transfers across configured payment rails
- Shared payment status and exception handling
A journey to explore
Map your payment journey ↗Fund a business account, convert currency and route a supplier payout through your selected connectors.
Connect fiat to digital opportunity.
Bring fiat funding, trading and wallet services together with configurable digital-asset controls.
- Fiat on/off-ramps and spot trading
- Client wallets and stablecoin payments
- Unified client records and back-office queues
A journey to explore
Explore your asset strategy ↗Fund in fiat, obtain a quote, acquire a stablecoin and make a treasury payment through a supported corridor.
OPERATIONS & CONTROL
One control center.
A clearer operating picture.
Keep the detail accessible to the people who need it. Zenpay connects onboarding, account servicing and transaction operations with configurable permissions and review workflows.
OPERATIONAL FRAMEWORKZENPAY
Every journey.
Connected by controls.
Client onboardingAccount & product setupTransaction reviewSettlement & reporting
One client record · One account structure · Shared controls
Onboard with context
Review individual and business applications, supporting documents, KYC/KYB information and screening results in one workflow.
Service with visibility
Manage balances, beneficiaries, users and permissions. Review transaction status, adjustments, overdraft exceptions and approval queues.
Govern digital-asset activity
Configure wallet screening, address whitelisting, withdrawal approvals and network confirmation thresholds for the selected program.
Keep an operational record
Use statements, CSV exports, reconciliation views and audit logs to support financial operations and review.
Controls aligned to your program.
Two-factor authentication, role-based access and review permissions support the operating model. Provider scope, certification responsibilities and regulatory requirements are established during due diligence.
INTEGRATION ECOSYSTEM
Your channels.
Connected to the wider world.
Connect your client experiences to Zenpay APIs. Configure the services behind each product, with smart routing across your selected connectors.
YOUR CHANNELS
Business webConsumer mobilePartner APIsBack office
ZENPAY
Accounts · Payments · Credit · Cards · Digital assets
Configuration / Transaction controls / Smart routingCONNECTED SERVICES
Payment railsCard issuingFX & liquidityCustodyKYC & screening
Payment rails that fit your scope
SWIFTSEPAFaster PaymentsACHFedwire
Availability depends on the chosen providers, markets and program configuration.
APIs across the client lifecycle
Accounts and beneficiaries, transfers and FX, transactions and statements, authentication and events, credit and cards, trading and wallets.
Plan your integration ↗FROM PROPOSITION TO PRODUCTION
A launch plan built
around your priorities.
Start with one valuable client journey. Align product scope, providers and operating responsibilities before expanding your program.
Scope
Identify client segments, markets, currencies, assets and products. Map the providers and licences already in place.
Define the first client journeyConfigure
Set branding, pricing, overdraft programs, transaction limits, roles and provider connections.
Shape the operating modelValidate
Test integrations, payment flows and routing. Walk through servicing, approvals and exception handling.
Prove the end-to-end journeyLaunch
Complete readiness checks, agree rollout scope and activate the program with a clear expansion roadmap.
Launch with an agreed scopeA FEW THINGS TO KNOW
Clarity before
you commit.
Start a conversation about your business, your current stack and what you want to launch next.
Speak with the team ↗Can we launch with a smaller product scope?
Yes. The platform can be configured around an initial journey, such as accounts and payments, with cards, overdraft or digital assets added as your proposition develops. The exact scope is agreed during discovery.
Who owns the brand and client relationship?
You retain your brand, clients and commercial model. Zenpay provides the configurable platform, controls and connected services behind the experience.
Can Zenpay connect to our existing channels?
Partner APIs provide access to accounts, beneficiaries, transfers, FX, statements, cards and digital-asset services. Integration discovery establishes the endpoints, events and provider connections your journey requires.
How are market and regulatory requirements handled?
Markets, licences, provider responsibilities and control requirements are reviewed during scoping and due diligence. Product availability and configuration are aligned to the proposed program.
What should we bring to the first conversation?
A description of your target clients, launch markets, priority products and existing providers is a useful starting point. We can then shape a tailored demo around one end-to-end client journey.
YOUR NEXT CHAPTER STARTS HERE
What will you build
with Zenpay?
Let’s turn your financial proposition into a connected client experience.