Zia is the treasury, acceptance, and developer surface used by serious finance teams. One ledger. One audit trail. Real institutional rails — no fintech theater.
Powering regional rails & networks:
Direct rails into Fedwire, SEPA, FPS, and 14 ACH-equivalents. No partner banks pretending to be infrastructure.
P99 authorization in 84ms. Settle, reconcile, and report in a single immutable ledger.
Typed clients, idempotency by default, webhook replays, and changelogs you can subscribe to.
Institutional pricing built for high-volume treasury desks. Stop paying retail fintech premiums. Save up to 75% on standard clearing interchange.
Adjust volume and transaction mix to inspect live landing cost estimates.
Zia implements clean, idempotent HTTP resources wrapped in predictable message envelopes. Retrieve transaction events, replay failed webhook endpoints, and inspect raw ledger updates with sub-millisecond latencies.
{
"messageID": "XBYUURE",
"primaryData": {
"source": "Operating · USD",
"bank": "Chase Bank",
"routing": "123456789",
"account": "9876543210",
"amount": 128450.00,
"description": "Weekly Payroll"
},
"additionalData": [
{ "key": "clientVersion", "value": "1.0.0" }
]
}Zia is built directly onto bank clearing channels. We adhere to rigid banking compliances, SOC audited registries, and cryptographically verified system access.
Continuous audit metrics streamed directly to Vanta. Automated policy testing on every commit.
Direct settlement relationships with Federal clearing houses, avoiding third-party banking risks.
All fields encrypted at rest using AES-256 with envelopes keys, managed via AWS KMS.
Sandbox accounts come with realistic volume. No call required.