Payments should feel like sending a text.
Instant, simple, and safe, for everyone. That’s the idea behind ZapCash, and it’s the standard we’re building to.
Remove the friction between people and their money.
Moving money is still harder than it should be. Transfers that take days. Fees buried in fine print. Apps that only work if your friends use the same one. Businesses waiting on settlements while bills come due.
ZapCash is being built to change that. We’re combining the newest real-time payment infrastructure with a clean, intuitive experience and security that works quietly in the background, so sending $5 to a friend or $50,000 to a supplier feels equally effortless.
Four principles behind every decision.
Instant by default
Waiting days for your own money is a relic. Speed isn’t a premium feature; it’s the baseline.
Radically transparent
Every fee, every timeline, every limit, shown up front in plain English.
Secure without the hassle
Strong protection that doesn’t punish you with endless codes and lockouts.
Open and connected
Designed to work across banks, cards, and platforms, not to trap you in a walled garden.
A modern stack for modern money.
ZapCash is being architected around the standards shaping the future of payments.
Real-Time Payment Rails
Designed to connect with instant-payment networks such as FedNow® and RTP® through partner institutions for around-the-clock settlement.
ISO 20022 Messaging
Rich, structured payment data that improves accuracy, reconciliation, and fraud detection.
Open Banking & Pay-by-Bank
Secure, consent-based account connections that lower costs and skip card-network markups.
Passkeys & Biometrics
Phishing-resistant FIDO2 authentication built on the device in your hand.
AI Risk Intelligence
Behavioral and transaction analytics that spot anomalies and scams in real time.
Cloud-Native & API-First
Resilient, scalable infrastructure with clean APIs for partners and developers.
Where we are on the journey.
Platform Selection
Evaluating banking, processing, and infrastructure partners, including at Money20/20 USA in Las Vegas.
Build & Compliance
Core product development, security testing, and regulatory and licensing work with our partners.
Private Beta
Invitation-only access for early-list members and pilot businesses.
Public Release
ZapCash for iOS, Android, and web, for personal and business accounts.
Interested in partnering with ZapCash?
We’re speaking with banks, processors, infrastructure providers, and strategic investors. Let’s talk.