Industry

Finance & Insurance

Market Categories

Payment Orchestration Layers

Business function (Horizontal)

Finance

Headquarters Location

Singapore

Product Name

Zebec

Parent Company

Zebec

Founder

Sam Thapaliya

Web2vsWeb3

Web3

Access Model

API

Target Users

SMEs, Enterprises, Consumers, DeFi protocols

Competitors

Fireblocks; AuroraPay (money streaming on Near); Superfluid (Ethereum streaming); Ramp (on/off-ramp); Circle (USDC rails); Transak (on/off-ramp); Stripe Treasury (embedded payroll); Deel (HR & payroll for remote teams); Sablier (Ethereum streams); dYdX (incorporates streaming payments for payouts)

Business Function (stablecoins)

Transaction Settlement, Wallet Management, Payment Rail, Integration Services, Compliance & Regulatory Oversight, Liquidity Provision

Feature completness

Product differentiation

True Real‐Time Streaming: Pay by the second; no batch cycles. Multi‐Sig, MPC Wallet Infrastructure (Zebec Safe): Enterprise‐grade treasury with pause/cancel/resume streams. Nautilus Chain: Dedicated compliant L1 in Japan, bridging Web2 & Web3 under local regulations. Zebec Cards: Instant USDC to fiat spending via Visa/Mastercard with no “crypto to fiat” friction. AI‐Powered PayFi Vision: “AI‐powered PayFi network” (Governance page) for future AI modules. Deep Institutional Backing: $35M raised from Circle, Coinbase, Solana Ventures, Lightspeed, DST Global. Comprehensive Ecosystem: Payroll (WageLink), Remittance, DeFi streams, RWA payments, crypto cards, and governance token (ZBCN) in one suite. Localization & Compliance: FSA‐approved in Japan; KYC/AML built‐in. Developer‐Friendly: SDKs & open APIs with comprehensive docs for rapid integration.

Privacy & Data protection certificate

Years in business

4.49

Employees

10-100

Horizontal Applications

Peer-to-Peer (P2P) Payments, Payroll & Compensation, Remittances, Payment Rail, Settlements, Liquidity

Tech stack modernity

Blockchain Layer: Solana L1 (primary) and Nautilus Chain (Japan) for localized compliance and throughput. Multi‐chain support for ERC tokens (USDC, JPYZ) planned. Zebec Safe (Rust & Solana SDK) smart contracts for MPC and multi‐sig. Backend: Cloud‐native microservices (Kubernetes on AWS/GCP) for API orchestration (Go & Node.js). APIs: RESTful JSON with OpenAPI/Swagger; real‐time WebSockets for stream updates. Front-End: React.js (Zebec App, Horizon Dashboard) with mobile SDKs (iOS/Android). Data & Analytics: Off‐chain PostgreSQL + real‐time event streaming via Kafka. Security: TLS 1.3, HSM integrations for key storage, continuous penetration testing. CI/CD: GitHub Actions & Jenkins pipelines with automated smart contract audits (CertiK).

Product Roadmap

Q3 2025: EU/UK fiat rails (SEPA, Faster Payments) integration for on/off‐ramp in Europe. Q4 2025: Expand multi‐chain support (Ethereum L2s, Aptos) and launch JPYZ (yen‐backed stablecoin) on Nautilus. Q1 2026: Advanced reconciliation & enterprise reporting tools (ERP connectors). Q2 2026: Onboard African and Latin American corridors; partner with local PSPs for remittance. Q3 2026: AI‐driven FX forecasting module (beta) for DeFi and treasury teams. Q4 2026: Self‐serve SMB portal with templated workflows and low‐fee tier. Mid 2026–27: Decentralized governance upgrade for ZBCN (on‐chain voting, fee sharing).

Product Roadmap

Q3 2025: EU/UK fiat rails (SEPA, Faster Payments) integration for on/off‐ramp in Europe. Q4 2025: Expand multi‐chain support (Ethereum L2s, Aptos) and launch JPYZ (yen‐backed stablecoin) on Nautilus. Q1 2026: Advanced reconciliation & enterprise reporting tools (ERP connectors). Q2 2026: Onboard African and Latin American corridors; partner with local PSPs for remittance. Q3 2026: AI‐driven FX forecasting module (beta) for DeFi and treasury teams. Q4 2026: Self‐serve SMB portal with templated workflows and low‐fee tier. Mid 2026–27: Decentralized governance upgrade for ZBCN (on‐chain voting, fee sharing).

API Quality

Production-Ready

Documentation Link

Enterprise readiness

API-First SaaS: Rapid plug-and-play integration with existing HR/ERP systems (Workday, SAP, Oracle) via RESTful endpoints and SDKs. Hyper-Scalable Microservices: Kubernetes-backed services with 99.9 % SLA, global CDN; supports thousands of concurrent streams. Regulatory & Compliance: Built-in KYC/AML; Nautilus Chain for Japan compliance; U.S. tax reporting for payroll. Dedicated Support & Onboarding: Enterprise account managers, 24/7 SLA, integration workshops, quarterly business reviews. Modular Pricing & Governance: ZBCN token governance for fee discounts; transparent enterprise pricing tiers. Performance: Sub-second settlement; zero downtime for blockchain-based services.

Security & Compliance Readiness

Smart Contract Audits: Multiple third‐party audits (CertiK, Hacken) for Zebec Protocol and Safe. MPC & Multi-Sig Architecture: Zebec Safe leverages multi-signature and MPC for key security; eliminates single points of failure. Regulatory Compliance: Nautilus Chain approved by Japan’s FSA; Zebec payroll meets U.S. tax compliance; global KYC/AML via integrated partners (Chainalysis). Data Protection: GDPR‐compliant data handling in EU; PDPA‐compliant in Singapore. Encryption: TLS 1.3 for all API traffic; AES-256 at rest. Insurance: Cyber and custodial insurance coverage for assets in Zebec Safe. Penetration Testing: Quarterly external security tests.

Documentation quality assessment

Comprehensive for partners, but gated access - no fully public spec.

Support Methods

24/7 Global Support: Email (support@zebec.io), in‐app chat, and Discord with 1-hour SLA for critical incidents. Dedicated Account Managers: Assigned to high‐volume enterprise and regional partners; responsible for onboarding, training, and quarterly business reviews. Integration Workshops: Live virtual sessions and sandbox access for development teams. Compliance Escalation Channel: Direct line to regulatory strategy team (Lina Lim) for urgent KYC/AML queries. Knowledge Base: Private partner portal with FAQs, troubleshooting guides, and best practices.

Critical capabilities

Streaming Protocol Engine: Continuously executes micro‐payments on Solana with sub‐second settlement (Zebec Protocol). Zebec Safe: Multi‐signature, smart contract wallet that supports pausing, canceling, and resuming streams. Zebec Cards: Visa/Mastercard‐backed crypto debit cards for on/off‐ramp (USDC to fiat) and real‐time spending. Nautilus Chain: Dedicated Solana Layer‐1 chain optimized for high‐volume streaming payments (launched in Japan). API & SDKs: RESTful endpoints and client SDKs (JavaScript/TypeScript) to integrate streaming flows into existing systems. Real‐Time Analytics: On‐chain dashboards (Horizon) for monitoring active streams and treasury metrics.

Support & Account Management

24/7 Global Support: Email (support@zebec.io), in‐app chat, and Discord with 1-hour SLA for critical incidents. Dedicated Account Managers: Assigned to high‐volume enterprise and regional partners; responsible for onboarding, training, and quarterly business reviews. Integration Workshops: Live virtual sessions and sandbox access for development teams. Compliance Escalation Channel: Direct line to regulatory strategy team (Lina Lim) for urgent KYC/AML queries. Knowledge Base: Private partner portal with FAQs, troubleshooting guides, and best practices.

51 Score™

582.08

Product & Service

72.0

Stability & Maturity

53.3

Technology & Innovation

70.0

Enterprise Readiness

37.5

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Categorization

Founder

Sam Thapaliya

Parent Company

Zebec

Market category

Payment Orchestration Layers

Target Users

SMEs, Enterprises, Consumers, DeFi protocols

Top competitors

Fireblocks; AuroraPay (money streaming on Near); Superfluid (Ethereum streaming); Ramp (on/off-ramp); Circle (USDC rails); Transak (on/off-ramp); Stripe Treasury (embedded payroll); Deel (HR & payroll for remote teams); Sablier (Ethereum streams); dYdX (incorporates streaming payments for payouts)

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