Use case

Settle in seconds, not statements.

Card money arrives in days and can be pulled back for months. ZARP settlement is final in seconds, at any hour, for cents.

Side by side

ZARP against cards and EFT.

Criterion	ZARP	Cards and EFT
Settlement	Seconds, final	1 to 3 days
Chargebacks	None. Payments are final	Possible for months
Fees	Network fees of cents	2% to 3.5% for card acquiring
Operating hours	24 / 7 / 365	Banking hours for EFT
Payroll and payouts	Programmable and instant	Batch runs

Treasury

Hold rand on-chain at par.

Approved partners mint and redeem ZARP 1:1 with the issuer. Your treasury enters and exits at par, with no spread. The reserve is over-collateralized at 108.8% and attested each month.

Accept payments

Add a wallet address to your checkout or invoice. Funds are final on arrival. There is no acquirer in the middle.

Run payroll

Pay salaries and contractors at any hour, including weekends. Split payments with a smart contract if you need to.

Manage treasury