Zaltrik gives your customers accounts, cards, lending, stock and crypto investing, and an AI assistant that replaces menus with conversation — on your brand, on your revenue model.
The AI assistant executes — it doesn't just answer.
Every balance a customer holds, every card they tap, every dollar they invest or borrow, is a relationship someone owns. Today that owner is usually a bank, a broker, or a lender — not the business that brought the customer in the first place. Deploy Zaltrik under your own brand and that relationship becomes yours to own, deepen, and monetise.
Accounts, cards, lending, and ledgering are now programmable building blocks — no core-banking build required to launch.
Fractional stocks, curated baskets, and stablecoin rails can now be offered inside any app, not just a broker's own.
Conversational and voice interfaces now handle transfers, payments, and investing directly — no menu to design or navigate.
"Late, expensive, and fragmented — versus live in weeks, and earning from launch."
Embed a single SDK into your existing web or mobile product. Zaltrik manages the full stack behind it — you decide which pieces to switch on.
Everything a customer expects from a modern bank account — live from day one, under your brand.
USD and EUR balances with dedicated account numbers / IBAN, viewable and fundable natively.
Visa or Mastercard, issued instantly and embossed under your brand, with per-card spend controls.
Fund from a linked bank account or card in seconds; bank transfer supported for larger deposits.
Fiat transfers by recipient, QR, or request — with review-and-confirm before every payment.
Grouped alerts for money movement, card activity, security events, and price moves.
Built-in referral loop — rewards credited automatically once an invitee completes onboarding.
Loans and Buy-Now-Pay-Later run inside the same balance, the same KYC, and the same risk view.
Pre-qualified offers based on account and spend history, disbursed directly into the customer's balance.
Split any card purchase into instalments at checkout, with schedules visible in the app.
A revolving credit line secured by cash, stock, or crypto balances, without liquidating the position.
Instalments collected automatically from the linked account, with reminders ahead of each due date.
Decisioning powered by transaction data already inside the app — no separate bureau integration to build.
Loan and BNPL balances sit alongside accounts and cards in one statement and one net-worth view.
Fractional stock trading and curated, pre-built baskets — fund with USD and own a portfolio in one tap.
Buy and sell equities and ETFs in fractional amounts, funded directly from the app balance.
Pre-built, professionally curated baskets across themes and risk levels — bought with a single USD amount.
Baskets stay aligned to their target weights automatically, with rebalancing visible in the activity feed.
No order tickets or share-count math — customers enter a dollar amount and the app handles execution.
Stocks, baskets, crypto, and cash roll up into a single net-worth number and performance chart.
Spread, subscription, or per-trade fees are configurable per tier, fully visible to the customer.
Compliant digital-asset infrastructure unified with fiat and investing in a single balance view.
Hold, send, and receive across major networks and assets, custodied to institutional standard.
In-app conversion between assets and between crypto and fiat, at a transparent rate.
Address-based deposits and withdrawals with review-and-confirm on every transaction.
Real-time valuation, performance chart, and per-asset holdings inside one portfolio view.
Automated transaction monitoring runs in the background — no manual review step for the user.
Instant internal transfers by username, contact, or QR — settling within the platform immediately.
Instead of tapping through menus, customers simply say or type what they want. An AI layer sits over every flow — payments, cards, lending, investing, and crypto — and executes it directly, asking only for confirmation before anything final.
Type or speak naturally — no fixed command list to learn.
The assistant executes transfers, payments, and trades, not just describes them.
Every money-moving action is echoed back for approval before it settles.
Balances, recent activity, and goals stay in view, so nothing needs re-explaining.
Every procurement and risk committee asks the same questions before a rollout advances. Zaltrik answers each one by design.
Progressive KYC unlocks higher limits as verification level increases, without blocking initial onboarding.
AML and transaction monitoring run on every transfer, trade, and loan disbursement.
Unrecognised-device login alerts, blocked-attempt notifications, and 2FA are on by default.
Every action logged with full attribution, exportable on demand for any regulator or internal review.
The only way to launch banking, lending, investing, and crypto together, under one brand, without stitching together separate vendors.
| Capability | Traditional build | Zaltrik |
|---|---|---|
| Time to launch | Months to a year | Weeks |
| Core banking infrastructure | Built or licensed separately | Pre-integrated |
| KYC / AML / KYT | Independent vendor integration | Runs automatically |
| Lending & BNPL underwriting | Standalone system to build | Native, on shared transaction data |
| Brokerage & crypto custody | Sourced from different providers | Unified in one balance view |
| Apple Pay & Google Pay | Integrated on its own timeline | Live from day one |
| AI assistant layer | Not typically available | Layered over every flow |
| Vendor contracts | Several, separately negotiated | One engagement, one delivery team |
Every step — issuance, verification, settlement — is automated, compliant, and visible in real time.
Register with email, verify, and set up 2FA — no branch, no paperwork.
Tiered KYC unlocks limits progressively as documents are confirmed.
Add money by instant top-up or bank transfer; balance updates immediately.
Pay by card, take a BNPL split, trade a stock, or buy a basket — or just ask the AI assistant.
Track net worth, get notified in real time, and earn through referrals.
Every lever sits with your business, and each one compounds as the customer base grows.
Earned on every card transaction, at no cost to the cardholder.
Interest and merchant fees earned on every loan and instalment plan.
Spread, subscription, or per-trade fees on stocks, baskets, and crypto.
Invite & Earn turns customers into a distribution channel at a fixed cost per activation.
"It doesn't add a payment method. It adds a revenue architecture that compounds with every customer."
Launch a branded neo-bank without building core-banking infrastructure. Reach market in weeks, not years.
Add a digital-first product layer with no disruption to core systems or existing technology contracts.
Convert points into a spendable balance on a branded card, giving loyalty currency real-world utility.
Add accounts, cards, lending, investing, and a crypto wallet for a large user base without building the regulated infrastructure yourself.
Businesses that deploy first build an advantage that compounds every month. Three engagement paths are available, calibrated to where your organisation is in its evaluation.
Revenue-model design, white-label scoping, and deployment planning with the Zaltrik team.
Start the conversationFull API access, a sandbox environment, integration docs, and an architecture review.
Request sandbox accessA defined pilot with live compliance and a clear commercial path to scaled rollout.
Scope a pilot
Zaltrik