Read the docs Become a ZARP partner

Solution

Programmable settlement and reconciliation.

Settle merchants, suppliers and payouts in rand with on-chain finality. Every transfer carries its own record, so reconciliation is a query, not a file.

The operational problem

What the current flow costs you.

Card money arrives in one to three days and can be pulled back for months. EFT stops at cut-off. Reconciliation runs on end-of-day files and manual matching. Payment platforms carry float in transit and staff in operations to close the gap.

How ZARP changes the flow

Four steps, in rand, on-chain.

  1. Accept. A payer sends ZARP to your platform wallet, or your on-ramp partner converts rand on their behalf.
  2. Settle. You settle merchants and suppliers in ZARP on a schedule you define, from real time to end of day.
  3. Reconcile. Match each on-chain transfer to your ledger by hash. There are no chargebacks to hold reserves against.
  4. Redeem. Merchants hold ZARP or redeem to rand through a listed partner. Approved partners redeem at par with the issuer.

Who it is for

Built for these teams.

Payment service providers

A settlement leg that is final in seconds and open on weekends.

Merchant acquirers and gateways

Merchant settlement without chargeback exposure or float.

Payroll and payout providers

Pay salaries, contractors and suppliers at any hour, with programmable splits.

Example transaction journey

One transaction, end to end.

  1. A fleet operator funds a PumpPay fleet account in rand.
  2. A driver makes an authorised purchase at a participating fuel merchant.
  3. The purchase settles in ZARP on-chain. It is final on arrival, at any hour.
  4. The merchant holds ZARP or redeems to rand through an ecosystem partner.

Example journey based on PumpPay, a listed ZARP ecosystem partner for fuel payments: a funded fleet account, an authorised purchase, ZARP settlement and a merchant at the end. PumpPay listing. Read the PumpPay case study.

Instrument 01

What a programme saves at volume.

Set your monthly volume, transaction count and the rail you settle on today. Outputs are illustrative estimates, not quotes.

Settlement cost calculator

SER. NO. ZRP-CALC-001
R 5,000,000
10,000
2.75%
Card acquiring rails1 to 3 days
R 137,500
fees per month at this volume
  • Fees and margin2.75%
  • Settlement1 to 3 business days
  • AvailableBanking hours and cut-offs
  • Float in settlementR 333,333
ZARP railsSeconds, 24/7
R 70,000
fees per month at this volume
  • On/off-ramp (~1%) + network1% + R2 / txn
  • On-chain settlementSeconds, final
  • Available24 / 7 / 365
  • Float in settlementR 0
R 67,500 saved per month At this volume the programme keeps approximately R 810,000 each year and frees R 333,333 of float that sits in settlement today.

Illustrative estimate. Actual costs depend on partner, corridor, volume and applicable fees. Model assumptions: card acquiring at 2.75%, the midpoint of the 2% to 3.5% range typical for South African card acquiring. Bank and corridor averages: World Bank Remittance Prices Worldwide, Q3 2025. ZARP rails: a 0.5% on-ramp fee, a 0.5% off-ramp fee and R2 in network fees per transaction. Float in settlement is monthly volume multiplied by settlement days over 30. Network and partner fees may apply. Not a quote.

Qualified benefits

What you get, and what applies.

Final in seconds

On-chain settlement at any hour. Network and partner fees may apply.

No chargebacks

Transfers are final on arrival. Disputes are handled in your product, not by reversal.

Reconciliation by hash

Every transfer has an immutable record. Match by reference, not by statement.

Programmable flows

Escrow, splits and scheduled settlement in code.

Compliance and partner requirements

What onboarding requires.

  • Your payment licence and merchant agreements remain your own.
  • Merchant KYC and onboarding are performed by you.
  • Formal KYB and compliance review with the issuer before mint and redemption access.
  • Cash-out routes are subject to partner terms and applicable law.

1 ZARP is redeemable 1:1 for rand through eligible partners. Network and partner fees may apply. Access is subject to applicable law, exchange control and partner terms.

Talk to solutions.

Tell us what you are building. Initial qualification takes a few minutes. Formal KYB follows.

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