$0.03 flat fee. FIDO2 passkeys. Stablecoin settlement on 4 chains. 60 settlement rails. ML fraud scoring on every transaction. Live today.
40 production packages covering every aspect of a modern global payment network — built from the ground up for cloud-native infrastructure.
Sub-10ms authorisation with rule engine, multi-layer fraud scoring, and idempotency. BIN routing, FX at auth time, pre-auth and capture for hotel and fuel use cases.
LiveDevice-bound biometric authentication replacing OTP. Visa is sunsetting 3DS OTP in September 2026. Ziia's FIDO2/WebAuthn passkey server is production-ready today.
Live · ahead of Visa50+ signal gradient boosted model scoring every transaction in under 2ms. Velocity checks, geographic intelligence, device fingerprinting, MCC risk tiers, and behavioural signals.
LiveFedwire, FedNow, SEPA, SWIFT, UPI, PIX, Faster Payments, and 53 more. Native stablecoin settlement in USDC, USDT, and EURC on Ethereum, Solana, Polygon, and Stellar.
60 rails · 4 chains342 currency pairs. Rates sourced from OXR → ECB → Frankfurter, refreshed every 4 hours. 0.5% spread applied to mid-market rate. Rates cryptographically versioned and attached to settlement records.
342 pairsEvery network function accessible via REST. HMAC-signed webhooks with 5-attempt retry. Kafka event streams. 180-day idempotency keys. Connects in days, not months.
Developer-firstNative on-chain settlement rail. Settle in USDC, USDT, or EURC across Ethereum, Solana, Polygon, or Stellar. T+0 settlement. No correspondent banking delays.
T+0 settlementReal-time credit to any card account at $0.03 flat. P2P transfers, gig worker payouts, insurance disbursements, government payments. Up to $1M per transaction.
$0.03 flatAES-256-GCM, ECDSA P-256, HMAC-SHA256. Key material never leaves the HSM boundary. Annual rotation with zero-downtime dual-key window. PCI DSS audit trail on every operation.
PCI-readyThe network switching fee is Ziia's charge for routing, authorising, fraud-scoring, and settling the transaction. No interchange schedule. No assessment tiers.
Fiat settlement through 60 local and international payment rails, plus native stablecoin settlement on 4 blockchains. T+0 on-chain. T+1 fiat.
+ 24 more rails including ELIXIR, CERTIS, VIBER, ReGIS, ZAHAV, KFTC, InstaPay, and others
Every network function is accessible via REST. Authorise, clear, settle, dispute, push, tokenise — all via JSON over HTTPS. Connects in days.
// Request { "transaction_id": "txn_001", "pan_token": "411111xxxxxx1111", "amount": 15000, "currency": "USD", "merchant_id": "MERCH_001", "mcc": "5411", "acquirer_id": "acq_001", "ip_country": "GB", "card_country": "US" } // Response — 6ms p95 { "decision": "APPROVE", "response_code": "00", "authorization_code": "SRL9A4", "retrieval_ref_number": "197321893909", "fee": 3, "approved_amount": 15000, "cvv_result": "M", "eci": "07", "cross_border": true, "ip_risk": "CLEAN", "network_id": "ZIIANET", "processed_at": "2026-06-25T21:59:20Z" }
Ziia isn't trying to out-brand Visa. It's competing on architecture, pricing, and developer experience — advantages that compound as the network grows.
| Dimension | Ziia | Incumbent networks |
|---|---|---|
| Network fee model | $0.03 flat or 0.10% variable | Ad valorem assessment 0.13–0.15% + interchange |
| FX spread | 0.5% | 1–3% DCC typical |
| Onboarding | Days — mTLS cert + API key | Months — BIN sponsorship, certification programme |
| Settlement speed | T+0 stablecoin · T+1 fiat | T+1 / T+2 fiat |
| Authentication | FIDO2 passkeys (live) | OTP / 3DS (sunsetting Sept 2026) |
| Push payments | $0.03 flat | $0.10–$0.35 per transaction |
| Stablecoin | Native — built in from day one | Available alongside legacy infrastructure |
| Programmability | Event streams, conditional settlement, routing APIs | Limited — proprietary, closed APIs |
| Architecture | Cloud-native from day one | Legacy infrastructure + cloud layer |
A structured 5-stage process designed to be completable in days. No BIN sponsorship. No scheme membership fees. No legacy certification programme.
Submit organisation details, regulatory status, and network role
Automated OFAC SDN, UK HMT, EU, and UN sanctions check
Upload CSR, receive ECDSA P-256 mTLS certificate + API credentials
Automated certification suite — auth, disputes, FX, webhooks, 3DS
Status ACTIVE, production credentials issued, BINs registered