Trust beats
collateral.
ZaoPay is the global transaction operating system for verified commerce — collect, protect, finance, split, pay and settle in local currency or approved stablecoins, through one platform and API.
The global problem
The transaction itself is still fragmented.
The market already has payments, lenders, marketplaces and data — but an order is agreed informally, an invoice sits in email, payment moves through mobile money or a bank, delivery proof is on paper, the lender receives a spreadsheet, and repayment is chased manually.
Every party sees only one part of the transaction — creating delay, fraud, poor financing decisions and weak accountability.
Buyer
Doesn't know whether the seller, stock or delivery promise is reliable.
Seller / supplier
Faces late payment, fake proof of payment and uncertain buyer credit.
Farmer
May lack collateral and receive unsuitable cash loans.
Trader
Needs working capital to pay many farmers before the final buyer pays.
Retailer
Needs inventory but has thin formal records.
Lender
Cannot see where money went or whether the financed activity is progressing.
Marketplace
Must combine payment gateways, wallets, credit, escrow and reconciliation tools separately.
Why existing players fall short
Everyone solves one slice. Nobody owns the transaction.
ZaoPay isn't trying to out-compete Stripe on payment speed or a bank on balance-sheet strength — it sits underneath commerce as the layer that makes the transaction itself verifiable, protected and financeable.
Global processors
Stripe, Razorpay and similarExcellent at moving money quickly between a payer and a payee.
Treat the payment as the end of the story — they don't verify the underlying order, hold funds against delivery conditions, or feed the transaction into a financing decision.
Traditional banks
Regulated accounts and creditStrong at holding regulated accounts and extending credit against hard collateral.
Underwrite on collateral and paperwork, not verified real-time transaction behaviour — which excludes exactly the farmers, traders and small businesses ZaoPay is built for.
Mobile-money operators
Last-mile reachReach the last mile — farmers, agents and rural users — better than any bank or card network.
Built for peer-to-peer transfer, not for multi-party escrow, invoicing or financing orchestration.
Point-solution tools
Escrow or invoicing toolsSolve a single step — holding a payment, or issuing an invoice — reasonably well.
Live outside the ledger and the credit decision, so nothing they capture becomes reusable financial history.
No single existing player connects identity, commerce, evidence, payment and financing into one transaction record — ZaoPay lets banks, PSPs and mobile-money operators keep doing what they already do well.
The five jobs of ZaoPay
One transaction. Five jobs done at once.
ZaoPay converts verified signals — transactions, customers, invoices, delivery evidence and repayment behaviour — into a trustworthy decision, without pretending that risk disappears.
Verify
Checks identity, business, roles, ownership and counterparty relationships.
Reduces fraud, duplication and unknown counterparties.
Protect
Controls funds through programmable escrow and approval rules.
Reduces non-delivery, non-payment and misuse of financing.
Move
Collects, converts, splits, pays out and settles across local and cross-border rails.
Makes complex multi-party transactions feel like one payment.
Finance
Packages verified demand, supply and cash flow for lenders.
Enables transaction-based financing and controlled disbursement.
Remember
Creates an auditable history of orders, invoices, evidence and repayments.
Builds portable financial reputation and better future decisions.
North-star promise: one verified transaction, one set of conditions, one protected payment journey, one reliable financial record.
How it works
Every transaction follows the same journey.
Whether it's a fertilizer purchase or a cross-border invoice — from agreement to settlement.
“Verifying”
We are verifying the parties and documents.
“Waiting for funds”
The transaction is approved and waiting for payment or lender funding.
“Funded and protected”
The money is confirmed and protected.
“In progress”
The seller or provider is completing the agreed work.
“Settled”
The money has been distributed to the approved recipients.
Products
A modular platform, launched in phases.
A new rail, lender, marketplace or country is added by configuration and adapters — never a separate shadow system with its own balances or reconciliation.
Wallet, Accounts & Ledger
Multi-currency balances, pending funds, protected funds, fees, reserves and loans — all on one double-entry ledger.
Programmable Escrow
Conditional hold, milestone release, inspection, refund, dispute and split settlement.
Payments — Collections & Payouts
Local bank transfer, mobile money, cards, payment links, SWIFT and approved stablecoins, in and out.
Financing Marketplace
Application, scoring package, lender routing, controlled disbursement, monitoring and repayment.
B2B Invoicing
Quotation, proforma, purchase order, tax invoice, delivery note, goods-received note and reconciliation.
Merchant / Platform APIs
Checkout, seller settlement, platform fees, webhooks and reporting for CropSupply, Inputs Connect and external platforms.
Technical architecture
Modular, idempotent, auditable, configurable by country.
Customer experience, orchestration, ledger and partner adapters are separated into distinct services — so a new rail, lender or country ships by configuration, not a rebuild.
Identity Service
Profiles, KYC/KYB, beneficial owners, consent, roles and verification status.
Ledger Service
Double-entry accounts, balances, pending funds, reserves, loans and settlements.
Escrow Orchestrator
Conditions, evidence, approvals, disputes and release instructions.
Payment Orchestrator
Routes collections, refunds, payouts and reversals to partner rails.
Financing Orchestrator
Applications, signals, decision packages, lender routing and repayment schedules.
Risk & Compliance Engine
Rules, limits, sanctions, transaction monitoring, fraud and cases.
Integration Gateway
APIs, webhooks, authentication, idempotency and partner adapters.
Non-negotiable ledger controls
- Every posting must have equal debits and credits — no balance may be edited directly.
- Available, pending, protected and reserved balances are never mixed in the interface.
- Idempotency keys prevent duplicate collections, payouts and releases.
Global money movement
One API. Every market that matters to your business.
Connect once to collect, hold, convert, pay and settle money across the United States, United Kingdom, Europe, Asia, Africa and other supported markets.
Bank transfers
Mobile money
Cards & digital wallets
Approved stablecoins
Local and international accounts, one balance sheet
ZaoPay automatically identifies the payer, invoice, order, marketplace transaction, loan, supplier or beneficiary connected to each payment — collect in one currency, settle recipients in another.
Integration with MazaoHub
MazaoHub is the ecosystem. ZaoPay is the financial infrastructure underneath it.
A MazaoHub company — credible with banks and investors from day one, while growing as its own trusted brand.
ZaoPay
Global payments, programmable escrow, financing orchestration, wallets, invoicing, settlement and APIs.
CropSupply.com
Global crop marketplace, demand and supply verification, crop trading and transaction monitoring.
MazaoHub.com
Agronomy, farm operations, soil data, production plans and performance intelligence.
MazaoHub Inputs Connect
Marketplace for inputs, equipment, irrigation, mechanization and agricultural services.
MazaoHub's farm plans, soil data and Farm Clinic network feed the identity, suitability and evidence ZaoPay needs to finance an input purchase responsibly. Inputs Connect and CropSupply events — product selected, financing requested, supplier dispatched, buyer settlement — each map directly onto a ZaoPay transaction stage.
Revenue model
Diversified enough to stay affordable at the bottom.
Small transactions stay affordable while enterprise value gets monetized properly.
Transaction fee
Fixed or percentage fee on collection, payout or settlement.
Escrow fee
Fee based on value, duration, evidence complexity and dispute support.
Marketplace payment fee
Platform fee or revenue share with CropSupply, MazaoHub or external platforms.
FX fee or margin
Transparent fee or spread on currency conversion.
Financing orchestration fee
Paid by lender, borrower, supplier or marketplace where permitted and disclosed.
API and infrastructure fee
Usage-based or enterprise contract for embedded finance.
Pricing principles
- Show the total fee before the user accepts the transaction — no hidden FX margin.
- Keep farmer and microbusiness transactions affordable through tiering and partner subsidies.
- Charge more for value-added risk, escrow, financing and enterprise automation — not merely for moving money.
Get started
Verify the transaction. Protect the money. Build trust.
If you're a bank, PSP, lender, marketplace or platform who wants to move first, get in touch.