Your Global Infrastructure For Trust, Identity Verification & Instant Payments.
Zippy is the infrastructure layer redefining how financial institutions, banks, merchants, businesses, and individuals connect, verify, and transact. One platform
delivering digital identity, instant payments, and financial access to everyone in the ecosystem.
The global standard for secure onboarding and real-time payments is no longer a
vision. It is here. Trusted by institutions. Built for everyone. Powered by Zippy.
Verify in under 3 seconds. Pay in under 5.
The Problem We Solved
Manage All Your Money In One Place. Anytime, Anywhere
The current financial system was not built for everyone. Millions of people struggle to open a bank account, access financial services, or complete a simple transaction without taking time off work, standing in long queues, or navigating a process that was never designed with them in mind. Zippy changes that. By sitting as a secure, intelligent layer between institutions and their customers, Zippy makes onboarding instant, payments seamless, and every individual financially visible the moment they join. People who were once excluded from the financial system can now verify their identity, open an account, and start transacting in under 3 seconds. We do not replace what banks have built. We make it work better, faster, and more inclusively for everyone connected to it.
Traditional Banking
The old way
Slow Onboarding
Days or weeks to open an account. Branch visits required. Paperwork everywhere.
Delayed Transactions
24 to 48 hours to process a simple transfer. Settlement cycles that slow everything down.
Manual Paperwork
Physical documentation, signatures, and manual review at every step of the process.
Branch Dependency
Take a day off work just to open an account or complete a basic transaction.
Financial Invisibility
Millions excluded from financial services due to complex processes and access barriers.
High Fraud Risk
Limited identity verification and fragmented systems leave institutions exposed to fraud and chargebacks.
With Zippy
The better way
Instant Onboarding
Upload your ID, verify your identity, and join the financial ecosystem in under 3 seconds.
Payments in Under 5 Seconds
Any payment, to anyone, anywhere on the network settled instantly in real time.
100% Digital and Paperless
Everything happens on your phone. No physical documents, no manual review, no waiting.
Access Anywhere, Anytime
No branch visit required. Manage your money, send payments, and transact 24 hours a day.
Financial Visibility for Everyone
Bring previously invisible individuals into the financial system with a verified, trusted identity.
Built-In Fraud Prevention
Every transaction verified, every identity confirmed, every action logged and protected in real time.
Financial Inclusion
From Invisible to Visible.
Millions of people are excluded from the financial system not because they lack resources, but because the process was never built for them. Zippy changes everything in under 3 seconds.
Without Zippy
People are financially invisible. Excluded, frustrated, and left behind.
Sarah
Loan Rejected
No transaction history. Bank cannot assess creditworthiness.
Invisible
Marcus
3 Day Wait
Took a day off work just to open a basic account. Still waiting.
Invisible
Maria's Shop
Cash Only
Cannot accept digital payments. Losing customers daily.
Invisible
James
No Online Access
Cannot shop online or pay for services. Excluded from digital economy.
Invisible
Priya
48hr Transfer
Sending money to family takes two days and costs extra fees.
Invisible
Atlas Bank
Manual KYC
Hours of manual review per customer. High cost. Slow growth.
Disconnected
With Zippy
Everyone is verified, visible, and connected to the financial ecosystem.
Sarah
Loan Approved
Verified identity and transaction history. Credit access unlocked.
Visible
Marcus
Account in 3s
Verified and onboarded instantly. No branch visit. No paperwork.
Visible
Maria's Shop
QR Payments Live
Accepting instant payments from any bank. Settlement in under 5 seconds.
Connected
James
Full Digital Access
Shopping online, paying for services, transacting anywhere instantly.
Visible
Priya
Instant Transfer
Money sent to family in under 5 seconds. Processed instantly through the Zippy network.
Visible
Atlas Bank
Instant KYC
Customers verified in 3 seconds. Transaction volume up. Costs down.
Connected
Built for People & Institutions
Onboard Faster. Pay Instantly. For Every Institution.
Whether you are a bank looking to modernize, a fintech expanding your platform, a restaurant, hotel, or any business that wants to collect and process payments faster and more securely, Zippy plugs directly into your ecosystem. Once integrated, every customer with a bank account or card, can instantly pay, onboard, and transact through Zippy. One integration. Every bank. Every customer. No branch visits. No friction. Just seamless payments for everyone.
For Banks & Financial Institutions
Gain Thousands of New Customers. Without Building New Infrastructure.
If you could gain thousands of unbanked customers and earn revenue off every single transaction, safely and in real time, would you be interested? That is exactly what Zippy delivers to financial institutions. Connect your bank to Zippy and offer your customers instant payments, remote onboarding, biometric KYC, real-time transaction monitoring, full audit trails, and fraud detection at every step. Every transaction is verified, every identity is confirmed, and every interaction is logged for complete visibility. Boost user experience, increase transaction volume, and expand your customer base without replacing a single system you already depend on. Process payments instantly. Verify transactions automatically. Grow confidently.
Instant Remote Onboarding
Reduce branch traffic and manual review. Customers onboard digitally with government ID, selfie, liveness detection, and signature verification, approved in under 3 seconds.
Instant Payments. Anywhere. Any Device.
Connect to Zippy and enable your customers to send and receive payments to any participating bank instantly. Your customers can scan any QR code, tap any terminal, or send to any recipient directly from their phone and complete a payment in seconds. Bank to bank, bank to merchant, business to employee, individual to individual. One network. Any device. Any bank. Anywhere.
Real-Time Fraud Detection and Prevention
Every transaction risk-scored in real time. AML screening, sanctions checks, device binding, behavioral analysis, and full audit trails built in, no extra integration required.
More Transaction Volume. More Revenue.
Less friction means customers transact more. Faster onboarding means more digital customers. Zippy increases deposit activity, transaction revenue, and digital adoption.
API-first. Integrates with existing core banking systems.
3s
KYC Verified
5s
Payment Settled
0
Funds Held by Zippy
100%
Audit Trail Coverage
What Banks Get
Unified digital onboarding layer
Zippy real-time payment network access
Biometric KYC + liveness detection
AML / sanctions screening
QR merchant payment infrastructure
Full compliance audit trails
Interbank Settlement Integration
White-label SDK available
More users. More transaction volume. Secured and real-time payments and onboarding.
For Fintechs & Developers
One Integration. Every Tool You Need.
Stop integrating five different vendors for KYC, document signing, payments, and fraud scoring. Zippy gives you one SDK, plug and play, that handles identity verification, document signing, OCR extraction, fraud scoring, and unified payments. Go live in days, not months.
KYC Verification SDK
Drop Zippy's KYC SDK into any app or website. Government ID verification, selfie matching, liveness detection, OCR document extraction, and risk scoring, all in one API call.
Document Signing SDK
Capture legally binding digital signatures with built-in identity verification, biometric matching, and device trust. Every signature is tied to a verified identity, timestamped, and logged with a full audit trail. Any document format supported. Billed per attempt. One platform. No third party tools needed.
Payment Infrastructure SDK
Integrate Zippy directly into your product and start processing transactions immediately. No waiting. No delays. Payments are confirmed in real time the moment they are initiated. Verify customers instantly, onboard them faster, and give your users the ability to pay and receive through dynamic QR checkout, bank transfers, and Virtual Payment Addresses. The two things every platform needs, fast customer verification and instant payment processing, are both handled by Zippy in one integration.
REST API + Webhooks
Full REST API access with real-time webhook events for every verification, transaction, and fraud alert. Sandbox environment, Postman collection, and full documentation included.
Accept Payments Instantly. No Physical Terminal Required.
Stop waiting days for settlement. With Zippy, your customers scan a QR code, confirm payment, and funds arrive directly in your bank account instantly. No development terminal dependency, no exposed account numbers, no delays. Making payments easier is what Zippy was built to do.
QR Code Payments
Display your Zippy QR code. Customer scans, confirms amount, and pays instantly. Funds settle directly to your bank account in under 5 seconds. No hardware needed.
Instant Settlement
Say goodbye to slow settlement cycles. Every payment settles directly to your bank instantly. Reconciliation records and push notifications sent the moment funds arrive.
Chargeback Protection
Every transaction backed by verified identity, device data, biometric confirmation, and a full audit trail. Zippy generates structured chargeback defense documentation automatically.
Accept Payments from Any Bank
Zippy is an open-loop network. Any customer from any participating bank can pay you instantly, no closed wallet, no app lock-in, no restricted ecosystem.
Funds settle directly to your existing bank account.
How a QR Payment Works
1
Customer scans your QR codeOpens Zippy app, scans merchant QR or enters amount
2
Customer confirms and payIdentity, device, and fraud signals validated in real time
3
Funds move bank-to-bankZippy routes payment instruction, sending bank debits instantly
4
You receive confirmation instantlyPush notification + reconciliation record. Funds in your account.
Total time: under 5 seconds
For Businesses & Enterprises
Pay Your Team. Verify Your Customers. Scale Without Limits.
Zippy is an all-in-one financial infrastructure platform built for security and scale. Use Zippy to onboard customers with verified identity, collect and process payments via SDK, pay employees and contractors instantly, track expenses and transactions in real time, and maintain full audit trails for every payment and verification. Everything your business needs to move money, verify people, and stay in control, all in one place.
Payroll & Contractor Payments
Pay employees and contractors directly via Zippy. Funds move instantly to any recipient with full transaction records, payment history, and audit documentation kept automatically for every transfer.
Customer Verification at Scale
Verify your customers before they transact. Integrate Zippy's KYC SDK into your onboarding flow, ID verification, selfie matching, liveness detection, and risk scoring per attempt.
Audit Trail for Every Action
Every KYC step, payment, and document signing event is logged with timestamps, IP data, device metadata, and authorization records, ready for compliance reporting and dispute defense.
Processor-Safe Revenue Model
Zippy is not a bank and never holds your funds. We sit between your institution and your customers as an intelligent routing and identity layer, making onboarding faster, payments instant, and every transaction more secure. Your bank stays in full control. Zippy simply makes the connection smarter.
No commingling. No escrow. Compliance-first architecture.
Business Use Cases
Customer KYC before transactions
Employee & contractor payroll
Document signing with identity verification
Chargeback evidence generation
Real-time fraud monitoring
Transaction audit trails
P2P + business-to-business transfers
White-label SDK integration
$760B
Market Opportunity
$100
Starting / Month
For Banks & Institutions
More Customers. More Transactions. Less Friction. Zippy Deliver All.
Zippy connects your institution to a growing network of verified customers and instant payments through a single SDK integration. Onboard more people, process more transactions, and give your customers a faster and more secure experience without disrupting anything you already run.
Onboard Customers Faster
Long queues, manual paperwork, and days-long approval processes are the biggest barriers to growing your customer base. Zippy removes all of that. Customers upload their identification documents, verify instantly, and are onboarded into your ecosystem in under 3 seconds. No branch visit required. No manual review needed. More customers, less friction, faster growth.
3sAverage Onboarding Time
Security at Every Step
Every customer that comes through Zippy is verified, every transaction is monitored, and every action is logged. Banks get complete visibility without taking on the complexity of building it themselves. Your institution stays protected, your customers stay safe, and your audit records are always ready. Security is not an add-on with Zippy. It is the foundation.
100%Audit Trail Coverage
Increase Transaction Volume
The easier it is for your customers to transact, the more they will transact. Zippy routes any payment anywhere in under 5 seconds. When your customers can pay instantly, send money instantly, and receive instantly, they do it more often. More volume means more revenue for your institution without any additional infrastructure investment on your end.
5sPayment Settlement Time
Simple SDK Integration
Banks do not need to rebuild their systems to join the Zippy network. Your team integrates the Zippy SDK into your existing solution and your institution becomes part of the network immediately. From that point your customers gain access to instant payments, verified onboarding, and real-time transaction capabilities. Everything is handled through the SDK. Full documentation is available for integration.
1Integration. Full Network Access.
Market Opportunity
$760 Billion in Payments Across the Caribbean & Latin America.
A $760 billion global payment ecosystem is growing every single day. Every restaurant, store, bank, business, and individual is already part of it. The institutions that make it easiest to transact will capture the most volume. Zippy connects your institution to that opportunity, giving you the infrastructure to onboard faster, settle instantly, and grow your transaction volume across a network spanning 33 countries and expanding. The future of financial access is being built right now. Zippy is building it.
$760B
Regional Payment Opportunity
5s
Payment Settlement Speed
33+
Countries Connected
For Everyday People
Financial Access Shouldn’t Take Days.
Millions of people are financially invisible. Not because they lack ambition or income, but because traditional financial systems are slow, complicated, and difficult to access. Long wait times, paperwork, branch visits, delayed transactions, and limited visibility make everyday banking frustrating for millions of people across emerging markets.
Zippy simplifies the process. Upload your identification documentS, verify your identity, and join the financial ecosystem in under 3 seconds. No waiting in line for hours. No multi-day onboarding process. No unnecessary friction. Once connected, users can send and receive money, make purchases, track transactions in real time, and build a stronger financial presence with partnered institutions.
Whether you are an individual, freelancer, contractor, or small business owner, Zippy helps you move money faster, establish trust with financial institutions, and gain greater visibility inside the financial system.
Join the network and verify your identity in under 3 seconds
Send and receive payments in under 5 seconds
Avoid long branch visits, paperwork, and delayed approvals
Track transactions and manage your money in real time
Make purchases and pay for services digitally with ease
Build financial visibility and strengthen trust with institutions
Become Financially Visible
Join the financial ecosystem with a verified identity. Access services, build your financial history, and unlock opportunities that were previously out of reach.
Send and Receive Instantly
Pay friends, family, merchants, or businesses instantly from your phone. No cash. No delays. No complicated process. Just fast, secure transactions.
Shop and Pay Anywhere
Use Zippy to pay at any store, shop, or online platform connected to the network. Scan, confirm, and done. Your payment is processed in under 5 seconds.
Track Your Money in Real Time
See every transaction, every payment, and every transfer in one clear dashboard. Know where your money is going and stay in control at all times.
Join the network in under 3 seconds
What is Zippy
Not a Bank. The Layer That Connects Them.
Zippy is a unified digital identity and payment messaging infrastructure. We do not hold your funds. We connect institutions, unify onboarding, reduce fraud, and accelerate payments across the region.
Think of Zippy as the intelligent layer that sits above your existing banking infrastructure, making every transaction instant, every onboarding seamless, and every payment interoperable across institutions. We do not replace what you have built. We make it work better, faster, and smarter for everyone connected to it.
Sign Up. Verify Your Identity. Become Visible.Zippy onboards and verifies customers digitally, bringing previously invisible individuals into the financial ecosystem with a confirmed, trusted identity.
2
Scan or Show Your QR. Enter a Recipient.Once verified, initiate a payment by scanning a QR code or entering who you want to pay. Zippy takes it from there.
3
Zippy Verifies You on the Network and Routes Your Payment.Zippy checks your identity, validates the transaction, and routes your payment securely through our banking relationships with a full audit trail from start to finish.
4
Your Bank Debits Your Account Instantly.Authorization confirmed with a balance check and fraud clearance. Funds leave your account in real time.
5
The Receiving Bank Credits the Merchant.Both parties are notified instantly. Final settlement is processed through existing central banking infrastructure at cycle end.
6
Transact With Anyone in the Ecosystem.Once onboarded, customers can pay and receive instantly from any store, shop, bank, or individual connected to the Zippy network in real time.
Total Time End-to-EndUnder 5 Seconds
✓ Instant
Our Products
Two Powerful Infrastructure Layers
Everything your institution or business needs to verify identities and move money instantly.
Zippy Identity Infrastructure
Automated digital onboarding and compliance layer that verifies users in under 3 seconds with biometric precision and real-time fraud scoring.
Government ID + Selfie Verification
Liveness Detection & Face Matching
Signature Capture & Verification
AML/Sanctions Screening
Real-time Risk Scoring
OCR Document Extraction
Device Intelligence & Behavioral Analysis
Full Audit Trail & Compliance Logs
Zippy - Zippy Instant Payment Network
A real-time payment messaging network that routes payment requests, validates users, orchestrates bank communication, and enables full regional interoperability.
Real-time Bank-to-Bank Payments
QR Code Merchant Payments
Virtual Payment Address (VPA)
P2P & Business Transfers
Cross-Border Caribbean Payments
Open Loop Network (Any Bank, Any Country)
FX Messaging & Multi-Currency Support
Developer SDK
Plug & Play Integration
Download the Zippy SDK to integrate identity verification, document signing, and unified payments directly into your bank, fintech, or website. One SDK. Every tool your platform needs.
Settlement Infrastructure
How Money Actually Moves
Zippy is a messaging and orchestration layer. Funds never leave the banking system. Here is exactly what happens in under 5 seconds.
01
Customer Initiates Transaction
Customer scans a QR code, enters a Virtual Payment Address, or inputs a phone number. They review the payment details, confirm, and pay instantly.
🔒 Device fingerprint + PIN verified before anything moves
02
Zippy Validates & Routes
Zippy validates identity, device trust, fraud score, and OTP binding. It then sends an encrypted payment instruction to the sending bank including transaction ID, amount, recipient institution, and risk metadata.
⚡ Encrypted payload routed in milliseconds
03
Sending Bank Debits
The sending bank confirms sufficient balance, completes authorization, and debits the customer account instantly. A success confirmation is returned to Zippy with the authorization reference.
✓ Balance checked. Account debited. Confirmed.
04
Receiving Bank Credits
Zippy routes a credit instruction to the receiving bank. The receiving bank validates the account, checks for duplicates, and credits the merchant or recipient instantly.
✓ Merchant receives funds. Both parties notified.
05
Both Parties Notified
Customer receives a payment confirmation and transaction receipt. Merchant receives a push notification and reconciliation record. Every event is timestamped in the audit trail.
🔔 Instant push notification to both parties
06
Net Settlement at Cycle End
At settlement intervals, participating banks settle among themselves through existing central banking infrastructure. Zippy coordinates the routing only and never holds funds. Every transaction is reconciled and settled securely at the end of each cycle.
Banks settle among themselves at end of day
Total Time End-to-End: Under 5 Seconds
Zippy does not hold, custody, or settle funds. All money remains within the regulated banking system at all times.
5s
End-to-End
0
Funds Held by Zippy
256-bit
AES Encryption
How It Works
Seamless from Start to Settlement
Initiate
Scan QR code, enter VPA, or input recipient's phone number
Validate
Zippy verifies identity, device, fraud signals, and transaction PIN
Route
Encrypted payment instruction routed to sending bank instantly
Settle
Sending bank debits, receiving bank credits instantly
Confirm
Both parties receive instant push notification and receipt
Download App
Customer downloads the Zippy app or bank's integrated application
Upload Documents
Government ID, selfie with ID, proof of address, and signature
AI Verification
Zippy validates ID, performs liveness detection, and risk-scores the customer
Bank Rules Applied
Bank-specific approval criteria automatically applied in seconds
Account Activated
Account created instantly. No branch visit. No paper. No waiting.
Integrations & SDK
One SDK. Every Use Case.
One integration. Every tool your platform needs. Drop Zippy into any bank, fintech, or website and go live in days, not months.
KYC Verification SDK
Identity Layer
Embed full identity verification into any app or website. Customers verify in under 3 seconds, no branch visit, no paper, no manual review.
Connect your bank or app to Zippy and offer real-time bank-to-bank payments, QR merchant checkout, and P2P transfers with full fraud protection built in.
Capture legally binding digital signatures with built-in identity verification, biometric matching, and device trust. Every signature is tied to a verified identity with a full audit trail. Billed per attempt.
✓ Signature capture + ID matching
✓ Any document format supported
✓ Timestamp + device + IP logged
✓ Chargeback dispute evidence ready
✓ $0.75/attempt, pay only for use
REST API + Webhooks
Developer Access
Full REST API access with real-time webhook events for every verification, transaction, and fraud alert. Integrate once. Works with any backend stack.
Node.jsPythonPHPJavaReact NativeiOS / Android
✓ Real-time webhooks for all events
✓ Sandbox environment for testing
✓ Full API documentation + Postman
Compatible With Any Platform
Banks, fintechs, e-commerce, SaaS, health, government, if you need to verify a user or move money, Zippy integrates in days.
Account Dashboard
Real-Time Visibility Into Every Transaction
Your Zippy dashboard gives you complete, real-time control over your account balance, transaction history, and identity status. Every payment protected, every action logged with precision.
Whether you are an individual sending money, a merchant collecting payments, or a bank monitoring interbank flows, the Zippy dashboard delivers instant, auditable clarity across all activity.
Instant Balance Updates
Your balance reflects every inbound and outbound transaction within seconds of completion
Fully Protected Transaction Records
AES-256 encrypted audit trails with timestamps, device logs, and authorization records for every transaction
Live Fraud Monitoring
Every transaction scored in real-time against behavioral patterns, device data, and velocity checks
Security Infrastructure
Security Is Not a Feature. It Is the Foundation.
Multi-layer security that protects every transaction and identity from device to settlement.
01
Device Binding
Every account is tied to a registered device fingerprint and token. Unknown devices immediately trigger OTP verification and risk review before any access is granted.
02
OTP Authentication
Adding a bank account, changing devices, or updating sensitive profile information requires one-time password verification to confirm account ownership and device authenticity.
03
Transaction PIN
Every transfer and payment requires a secure 6-digit transaction PIN, entirely separate from device access and login credentials, creating dual-factor transaction protection.
04
AES-256 Encryption
All customer data is encrypted at rest with AES-256 and in transit with TLS 1.3. HSM-backed cryptography and tokenized identifiers protect every sensitive credential.
05
Real-Time Fraud Engine
Every transaction is scored against behavioral patterns, geolocation, IP reputation, velocity checks, blacklist databases, and sanctions lists before approval is granted.
06
Full Audit Trail
Every action including timestamps, IP logs, device metadata, and authorization records is retained for dispute resolution, compliance reporting, and fraud investigation.
Get the App
Take Zippy Everywhere You Go
The Zippy app brings instant payments, identity verification, and complete financial control to your mobile device. Available on iOS and Android.
Download on the
App Store
Get it on
Google Play
Scan to download the Zippy app
getzippy.app
For Businesses & Banks
Access the Zippy developer platform to download SDKs, generate API keys, and integrate identity verification or payment infrastructure into your systems.
KYC Verification SDK
Payment Infrastructure SDK
API Documentation
Document Signing SDK
Pricing
Transparent, Usage-Based Pricing
Every verification attempt and transaction is a billable event. Simple, predictable, and built to scale with your business.
Starter
$100
/ month • up to 100 verifications
Ideal for early-stage fintechs, digital businesses, and pilot programs needing reliable compliance infrastructure.
ID Verification ($1.50/attempt)
Selfie + Liveness Detection
OCR Document Extraction
Basic Fraud Scoring
Audit Trail Storage
Standard API Access
Most Popular
Growth
$500
/ month • up to 1,000 verifications
Built for scaling fintechs and digital businesses that need complete KYC, payment infrastructure, and fraud intelligence.
Full KYC Bundle ($3.00/attempt)
Face Match + Signature Verification
AML + Sanctions Screening
Real-Time Risk Scoring
Zippy Payment Access
Chargeback Evidence Support
Priority API + Dashboard
Enterprise
Custom
/ month • unlimited volume
Full-scale infrastructure for banks, financial institutions, and platforms requiring white-label solutions and regional expansion.
Unlimited Verifications
White-Label SDK Integration
Bank API Connectivity (ZIPN)
Regional Interoperability Access
Dedicated Account Manager
SLA + Compliance Support
Custom Settlement Rails
All charges are per attempt regardless of success or failure. See FAQ for details.
Global Network
Connecting the World. One Payment at a Time.
Zippy is building a unified finiancial & identity network that connects banks, merchants, businesses, and individuals across every region. One infrastructure. Every institution. Everywhere.
North America
🌴Caribbean
🌍Europe
🌍Africa
🌏Asia Pacific
🌏Oceania
Caribbean
North America
Latin America
Europe
Africa
Asia Pacific
Middle East
Oceania
Testimonials
What People Are Saying
★★★★★
The onboarding experience is unlike anything we have seen in this region. Verified in under three seconds without a branch visit. This is the future of banking in Jamaica.
MJ
Marcus James
Small Business Owner, Kingston
★★★★★
Our merchant payment collection dropped from a two-day settlement cycle to instant. The QR payment system is exactly what Caribbean commerce has been waiting for.
SA
Sandra Alleyne
Retail Merchant, Barbados
★★★★★
As a compliance officer, the audit trail alone is worth it. Every transaction timestamped, device-logged, and risk-scored. Our regulatory reporting has never been cleaner.
DT
David Thompson
Compliance Officer, Financial Institution
FAQ
Common Questions Answered
Have a question not covered here? Our team is available to walk you through how Zippy integrates with your institution or business.
Zippy is not a bank and does not hold, custody, or manage customer funds. Zippy is a secure payment routing and identity orchestration layer. All funds remain held by your participating financial institution. Zippy connects institutions and routes instructions through our verified banking network.
Zippy routes payment instructions securely between participating banks. At settlement intervals, banks net-settle among themselves through existing central banking infrastructure. Zippy coordinates the routing and interoperability layer only and does not participate in the settlement itself.
All customer data is encrypted at rest using AES-256 and in transit using TLS 1.3. Sensitive identifiers are tokenized and HSM-backed. Zippy maintains full audit trails including timestamps, device logs, IP metadata, and authorization records for compliance and fraud investigation purposes.
Traditional settlement systems are back-end infrastructure layers. They are not consumer-facing ecosystems. Zippy sits above them and adds real-time consumer payments, unified digital onboarding, QR merchant payments, behavioral fraud intelligence, and interoperability across institutions without replacing the underlying infrastructure banks already depend on.
Every KYC verification or document action is charged per attempt, regardless of whether the verification succeeds, fails, or is declined. This applies to ID verification, selfie checks, liveness detection, and signature capture. This model ensures predictable, auditable billing that reflects actual infrastructure usage.
Yes. Zippy is designed as an open-loop infrastructure that can connect any participating bank, approved payment service provider, or country participant. Any bank that meets integration requirements can connect to the network and begin offering real-time payments and unified onboarding to its customers.
Zippy Technologies Inc. is a subsidiary of Billionaire Holdings Inc. and operates with teams across the US, Jamaica, and the Caribbean region. Our US office is located at 218 NW 24th Street, 2nd and 3rd Floors, Miami, Florida 33127.
Get In Touch
Talk to Our Team. Get a Live Demo.
Whether you are a bank exploring interoperability, a fintech building on our SDK, or a business that needs compliance infrastructure, our team will walk you through exactly how Zippy fits your use case.
