The financial network for the global economy

ZEAM moves money between fiat and stablecoin across 55 countries through a single API. Built for fintechs, payroll platforms, marketplaces, remittance products, and multi-country treasury teams.

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AVERAGE SETTLEMENT TIME · 24H

5.68s

Countries live

Each one a direct Zeam corridor with owned compliance and a contracted SLA; no partner-mediated routes counted.

Currencies

Every currency or asset Zeam can on-ramp into your account, off-ramp from it, or hold as a working balance.

15min

S1 response

Production-blocking incidents get a named engineer engaged inside fifteen minutes under the Mission-Critical SLA.

$6.28bn

Settled on-chain

Every customer settlement recorded on a public blockchain; verify the aggregate yourself on Stellar Expert.

84+

Payment methods

Reach recipients on the rail they actually use: bank, card, mobile money, cash, wallet, QR, voucher, retail.

What ZEAM does
three movements, one platform

A single API call orchestrates compliance, routing, settlement, and payout — all with deterministic finality on-chain.

STEP 01

Send.

Pay suppliers, contractors, and beneficiaries in local currency anywhere we reach. Single payouts or bulk runs, through bank transfer, mobile money, cash networks, wallets, QR, and vouchers same API, same dashboard.

STEP 02

Hold.

Keep working balances across 16 supported assets stablecoin or fiat. Convert between them at verifiable on-chain rates with explicit, transparent fees. No hidden spread.

STEP 03

Collect.

Receive local-currency pay-ins via bank, mobile money, EasyPay, and QR. Every collection auto-reconciled to the account you choose.

Every corridor
is a connector

A connector is a configured payment route direction, rail, country, currency, asset, fee, limits, and provider, all defined as one executable unit. The platform's coverage is the sum of all active connectors. New countries don't require a platform rebuild they come online as new connector configurations. And because every on-ramp connector pairs with every off-ramp, adding one new country opens routes into every existing destination at once.

Read the docs View on GitHub

settle.ts

200 OK · 1.82s

curl -X POST https://api.zeam.co/v1/payouts \
-H "Authorization: Bearer $ZEAM_KEY" \
-H "Idempotency-Key: po_9f3b1e" \
-d '{
  "connector": "ZA-OFF-001",
  "amount": "500.00",
  "currency": "ZAR",
  "funding": {"asset": "USDZ", "chain": "stellar"},
  "beneficiary":{"id": "ben_01HY..."}
}'

Webhook 
{
  "id": "po_01HY9W...",
  "status": "delivered",
  "settled_at": "2026-04-18T10:14:07Z",
  "tx": "txn_A7F...e3" // verifiable on stellar
}

Why teams
build on ZEAM

A single API call orchestrates compliance, routing, settlement, and payout — all with deterministic finality on-chain.

STEP 01

The connector model.

One integration replaces three to six months of per-market provider work. New corridors arrive as configurations, not engineering projects.

STEP 02

Stablecoin settlement.

Funds move first on-chain across Stellar, Ethereum, or Solana then deliver locally. Settlement is auditable on the underlying ledger. The chain is the source of truth, not a vendor attestation.

STEP 03

Deterministic delivery.

Every payment reaches one of two states delivered or refunded. Automated retries, automated refunds, ongoing tracking. No limbo. STP target above 99.99%.

STEP 04

Multi-chain by design.

Stellar, Ethereum, and Solana at launch. New chains added on the same compliance, liquidity, and reliability bar.

Trust
posture

Every component of Zeam is engineered for enterprise-grade reliability and the settlement speed stablecoins actually unlock.

Licensed and compliant.

001

Regulated entities across ZA, EU, and US at launch. Compliance can be operated as Model A (full reliance), Model B (partner-licensed), or Model C (hybrid) assigned per corridor.

Verifiable on-chain.

002

Every settlement is auditable on the underlying ledger.

Mission-Critical SLA available.

003

Three tiers 99.5% / 99.9% / 99.95%. 15-minute S1 response on Mission-Critical with a dedicated TAM.

What ZEAM does
three movements, one platform

A single API call orchestrates compliance, routing, settlement, and payout — all with deterministic finality on-chain.

STEP 01

Send.

STEP 02

Hold.

Keep working balances across 16 supported assets stablecoin or fiat. Convert between them at verifiable on-chain rates with explicit, transparent fees. No hidden spread.

STEP 03

Collect.

Receive local-currency pay-ins via bank, mobile money, EasyPay, and QR. Every collection auto-reconciled to the account you choose.

Every corridor
is a connector

curl -X POST https://api.zeam.co/v1/payouts \ -H "Authorization: Bearer $ZEAM_KEY" \ -H "Idempotency-Key: po_9f3b1e" \ -d '{ "connector": "ZA-OFF-001", "amount": "500.00", "currency": "ZAR", "funding": {"asset": "USDZ", "chain": "stellar"}, "beneficiary":{"id": "ben_01HY..."} }' Webhook { "id": "po_01HY9W...", "status": "delivered", "settled_at": "2026-04-18T10:14:07Z", "tx": "txn_A7F...e3" // verifiable on stellar }

Why teams
build on ZEAM

A single API call orchestrates compliance, routing, settlement, and payout — all with deterministic finality on-chain.

STEP 01

The connector model.

One integration replaces three to six months of per-market provider work. New corridors arrive as configurations, not engineering projects.

STEP 02

Stablecoin settlement.

Funds move first on-chain across Stellar, Ethereum, or Solana then deliver locally. Settlement is auditable on the underlying ledger. The chain is the source of truth, not a vendor attestation.

STEP 03

Deterministic delivery.

Every payment reaches one of two states delivered or refunded. Automated retries, automated refunds, ongoing tracking. No limbo. STP target above 99.99%.

STEP 04

Multi-chain by design.

Stellar, Ethereum, and Solana at launch. New chains added on the same compliance, liquidity, and reliability bar.

Trust
posture

Every component of Zeam is engineered for enterprise-grade reliability and the settlement speed stablecoins actually unlock.

Licensed and compliant.

001

Regulated entities across ZA, EU, and US at launch. Compliance can be operated as Model A (full reliance), Model B (partner-licensed), or Model C (hybrid) assigned per corridor.

Verifiable on-chain.

002

Every settlement is auditable on the underlying ledger.

Mission-Critical SLA available.

003

Three tiers 99.5% / 99.9% / 99.95%. 15-minute S1 response on Mission-Critical with a dedicated TAM.

The financial network for the global economy

What ZEAM doesthree movements, one platform

Every corridoris a connector

Why teamsbuild on ZEAM

Trustposture

The financial network for the global economy

What ZEAM doesthree movements, one platform

Every corridoris a connector

Why teamsbuild on ZEAM

Trustposture

What ZEAM does
three movements, one platform

Every corridor
is a connector

Why teams
build on ZEAM

Trust
posture

What ZEAM does
three movements, one platform

Every corridor
is a connector

Why teams
build on ZEAM

Trust
posture