Connect to Africa’s first layer-1 blockchain protocol and experience reliable, frictionless, and universally interoperable payments across every use case.
- Cross-border Settlements
- ATM Switching
- Instant Fund Transfers
- Merchants Payments Processing
- Agent Cash In, Cash Out
- Automated Disputes Resolution
Why industry leaders choose our cross-border payments solution
- Realtime delivery of value to beneficiaries
- Realtime settlement of beneficiary banks
- Easy and secure integration
- Significant cost savings
- Compliant with local banking regulations and AML rules
- Integrated into the local financial ecosystem
- Rich reporting and analytics
Cross-border Settlement
Why industry leaders choose our cross-border payments solution.
International remittance operators can send cross-border payments on behalf of their customers and have beneficiaries receive funds in local currencies without depending on intermediaries to prefund in each receiving country. Zone enables real-time settlement using a common fiat currency or a native Stablecoin backed by physical assets and fully approved by respective regulators.
Why industry leaders rely on our ATM Switching solution
- Improved Reliability
- No Customer Disputes
- Lower transaction Fees
- Improved Scalability
- Transactions Transparency
ATM
Switching
Peer-to-peer ATM transactions routing on the network.
Our ATM switching infrastructure layered on Zone provides peer-to-peer transaction routing based on decentralized technology that allows inter-bank transactions to be processed directly between banks without dependence on third-party switches. This solution and the underlying technology enhance transaction reliability as there is no single point of failure), eliminate customer disputes, reduce switching costs, and automate back-office EFT operations.
Why industry leaders rely on our Funds Transfer solution
- End-to-end visibility of final transaction states
- OFIs enjoy instant authorization against pre-funded settlement accounts with no need for collateral
- Elimination of disputes and delays
- Easy and secure integration
- Single and bulk transfer options
- Suitable for all use cases including person-to-person payments, merchant pay-outs, salary payments, vendor payments
- Rich reporting and analytics
Instant Fund
Transfers
Process local funds transfer on the network and never have to worry about downtime or transaction failures.
Integrate to our Instant Funds Transfer Service to give your customers the best option for sending and receiving money locally. Leveraging Zone decentralized architecture, transactions are concluded in milliseconds with immediate confirmation of transaction statuses across transacting parties.
Why industry leaders rely on our Merchant Payments Processing Solution
- Accepts cards from international and local card schemes
- Supports the use of accounts as an alternative payment method instead of a Card
- Delivers higher authorization rates
- Reduces customer-related disputes through end-to-end visibility of final. transaction states
- Supports multiple options for payer authentication
- Provides easy and secure integration
- Supports both one-time and recurring payment flows
- Provides rich reporting and analytics
Merchant Payments Processing
Build your payment gateway on our APIs.
Improve your authorization rates and give your merchants the best payment capabilities to support higher conversion rates. Built with the pain points of merchant acquirers and payment service providers in mind, our peer-to-peer merchant payment infrastructure offers the advantage of scaling merchant payment processing activities in a cost-effective and reliable fashion.
Why industry leaders rely on our Agent Cash Out / Cash in Solution
- End-to-end visibility of final transaction states from Agent locations
- Instant funds reversal capability for pending transactions
- Eliminates fraudulent customer claims
- Provides easy and secure integration
- Supports instant Super Agent settlement
- Supports high transaction throughout
- Provides rich reporting and analytics
Agent Cash In,
Cash Out
Process your agent’s cash deposits and cash withdrawal transactions on the network.
Eliminate fraudulent transactions with our Cash In / Cash out APIs. Super Agents get the best payments infrastructure layered on our peer-to-peer transaction routing design which allows individual agents to provide overall better experiences to their customers.
Why industry leaders rely on our Automated Disputes Resolution Solution
- Streamlined and automated back office operations
- Elimination of losses from fraud and dispute-related claims
- Enhanced customer experience
Automated Disputes Resolution
Enjoy instant dispute reversal on the network.
We provide APIs to enable instant reversals of funds in scenarios where transactions fail and customers are debited. Customers of financial service providers never have to complain about disputes again.
How It Works
Learn how the Zone network enables payments and acceptance of digital currencies.
Zone, is a regulated layer-1 blockchain protocol also known as a Sovereign Blockchain which was purpose-built to store digital assets, records, and applications in a way that can be supervised by relevant local authorities within a sovereign country and used within the context of the local environment of that country. Zone combines the power of Blockchain technology with the legitimacy, controls, and trust conferred by regulatory authorities, thereby unlocking mainstream adoption across various domains.
Regulatory Supervision
Ensures that digital assets and decentralized applications comply fully with applicable local laws and regulations in each country of operation and that regulators can have real- time visibility into all activities.
Fiat Currency Settlement
Provides native support for real-time settlement of fiat money payments across multiple fiat currencies with functionality to convert from one currency to another as part of the settlement process.
Digital Currency Issuance
Enables Central Banks and other entities to issue and administer digital currencies while providing end- users with a compliant and interoperable way to accept and hold digital tokens originally issued on other public or CBDC chains
Third-Party Integration
Provides native interoperability with other Blockchain protocols and traditional financial networks as well as legacy information systems within each country of operation.
DApp Development
Provides EVM-compatible open developer tools to enable a large developer community and support a rich ecosystem of innovative decentralized applications.
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Protocol Key Characteristics
Participation and Consensus
Sovereign Blockchains implement proof-of-authority (PoA) or Proof-of-stake (PoS) consensus protocols and require that validator nodes meet specific requirements to participate. By specifying requirements to participate in a meaningful, objective, and transparent way, regulators, partners, and users remain comfortable about the independence and true decentralization of the network.
Native Regulatory Compliance
Regulatory compliance modules implement KYC, AML, and Exchange control rules in each supported jurisdiction and have them enforced on the ledger by code written into the core of the Blockchain nodes themselves such that all smart contracts and digital assets deployed achieve compliance without developers explicitly providing for this in code.
On-chain Fiat payments
Zone is able to store records about Fiat money held in Bank accounts or RTGS systems as tokens on-chain and update respective balances as transactions happen, which delivers instant value to transaction beneficiaries and achieves immediate finality of settlement for Banks and financial services providers. Because of the in-built support for processing fiat, Zone provides native on-ramp/off-ramp mechanisms for digital tokens.
Token Administration System
Zone provides features that allow issuers to mint and manage all forms of digital assets, including Stablecoins, Altcoins, and CBDCs. The token administration features also include unique global identity and phone number identifiers that allow end users to interact with digital assets on the Blockchain in a natural and familiar way.
Smart Contract Platform
This component allows the developer community to build innovative DApps that leverage the base of assets, users, and capabilities within Zone as well as the regulatory compliance and integrations to legacy financial and other information systems.
Third-Party Bridges
These components serve as interchanges between Zone and third-party systems like existing public chains, CBDC infrastructure, and other legacy financial systems, including payment networks, Banking Hosts, and messaging services. Bridges particularly enable the transfer of tokens/value between Zone and other public or CBDC chains through token wrapping.
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