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Zynth

Zynth · Token native payment network

The paymentrail you own.

A token with your name on it, final in under a second.

Run your numbersSee it in your world
< 1 sec
final settlement
$0.001
flat, per payment
0
chargebacks
24/7/365
weekends, holidays, borders

The problem

Five strangers stand in the middle.

Five intermediaries stand between a customer and the merchant on the card rail; the issuing bank at the end of the queue holds the customer relationship.
  1. Your customer
  2. Your checkout
  3. Acquirer
  4. Network
  5. Issuing processor
  6. Issuing bank
  7. You

Each one prices its own risk into your margin. The last one keeps your customer.

~1.45%
taken on every credit basket
1–2 days
before the money is yours
Months
in which it can still be taken back

Zynth vs. traditional rails

Follow a $100 sale through each rail.

Traditional card rails

$100 sale

  1. Your customer
  2. Your checkout
  3. Acquiring processor
  4. Card network
  5. Issuing processor
  6. Issuing bank

You receive

$98.55

Actors
6
Time to final
1–2 days
Reversible
Yes
Whose relationship
Theirs

01

Six actors, two days, a dollar forty-five.

Six balance sheets before it is yours. Any of them can still take it back.

02

One hop, one second, a tenth of a cent.

Paid directly, in a token that carries your name. Final on a weekend, across a border.

03

Same sale. A tenth of a cent, not $1.45.

Not a better rate on the old rail. A different rail — and nobody left in the middle holding your customer.

When payments stop being plumbing.It becomes a place to build.

What Zynth is

Six systems become one token.

Money has never held instructions. Now it can.

How Zynth works

Dollars in. Your token. Dollars out.

One movement, and the money never leaves your control.

  • Dollars · 1–2 days to settle
  • Your token · under a second
Money arrives On-ramp Card, transfer or deposit — in dollars, fromanyone Custodial reserve The dollars are held Held with a custodial bank partner. Thereserve earns — and what it earns isyours. Accruing Your token, on Zynth Dollars become your token Issuance Your token becomes dollars Off-ramp Loyalty/Rewards Payment becomes the engine for loyalty Agentic Payment Encode agentic rules inside payment; age,limit, RX, etc. Escrow Model Program triggers to release funds Franchise/vendor settlement Your entities pay each other Same rail, same second, nointerchange between your ownbusinesses Sanctions & AML On-chain compliance and auto reconciliation Money leaves Payout To any account, on any day, including the ones banksare shut $

Zynth issues the token. The margin, the data and the customer stay with you.

Token economics

Pick the money you issue.

Three kinds of money on one rail, each earning its own way.

  • Gift card liability

    Prepaid value on your books

    • Not availableCash out
    • Built inP2P
    • Built inBearer
    • Not availableOpen loop
    Best for
    Gifting, store credit and promotions
    Backing
    Unreserved
    Economics
    Cash up front, and unspent balances stay yours

  • Stored value

    A named, reloadable balance

    • Your rulesCash out
    • Your rulesP2P
    • Not availableBearer
    • Not availableOpen loop
    Best for
    App pre-load, loyalty wallets, reload and pay
    Backing
    Safeguarded
    Economics
    One load, then $0.001 a payment instead of a card fee each time

  • Closed-loop stablecoin

    Your token, your program

    • Built inCash out
    • Your rulesP2P
    • Your rulesBearer
    • Not availableOpen loop
    Best for
    Retail groups, franchises and venues on one token
    Backing
    Reserve-backed
    Economics
    The reserve earns for you, and the customer stays yours
  • Built in
  • Your rules
  • Not available

Every one runs on the same rail: final in under a second, $0.001 a payment.

Where this lands

Pick the world you run.

Same argument. Different arithmetic.

Millions of members already carry your card. Everything behind it — banners, franchisees, vendors — settles with everything else.

  • Banners
  • Franchisees & associates
  • Pharmacy
  • Vendors & growers
  • Loyalty members

Your year on cards, and on Zynth

Cards today

Annual payments processed

1B payments a year, $50 average.

Annual processing cost

−$356M

0.71% blended — credit ~1.45%, debit ~$0.04.

Annual cost to carry

−$2.62M

$116M in transit at any time, at 2.25%.

Additional revenue

−$29.3M

324K chargebacks: the lost sale plus $25 each.

Zynth

Annual payments processed

5.77M households at $8,659 a year each.

Annual processing cost

−$1M

1B payments at $0.001 each, flat.

Annual cost to carry

$0

Nothing in transit: final in under a second.

Additional revenue

+$479M

2.89M Wallets, half your households, $166 each.

Type your own volume — 392M, 20B or 20,000,000. Nothing leaves this page.

Directional, on a reference grocer: ~85% of sales on cards, 55% of card value on credit, $8,659 a household a year in store-bought food (Statistics Canada, 2023), 0.05% of card payments charged back, and half your households holding a week of groceries in a Wallet. It is a credit-card argument — Interac debit is a flat fee and a separate conversation. In transit means one day, the floor of the range, carried at the Bank of Canada's 2.25% policy rate: a cost of funds, not a yield.

What becomes possible

  • Member price, inside the money

    The discount is a property of the token, not a coupon looked up at the till.

  • Your own entities stop paying interchange

    Money moving between businesses you already own, no longer priced by a network.

  • The basket that refills itself

    Staples and refills under mandates the shopper sets once.

  • Float that earns for you

    A loaded balance is spend you already hold — and the reserve behind it earns.

Built for your operation

An API on one side. Proof on the other.

An SDK or a REST call in front. Validators that trust nothing behind.

ONE PAYMENT · FOUR LAYERS · UNDER A SECOND Access layer Zynth SDK & APIs Familiar Client · server · JSON-RPC Zynth SDK Drops into your app, checkout andbackend. Ethereum tooling worksunchanged. Merchant API REST API Hold, settle and release with an API key.No blockchain knowledge needed. MCP · MPP · x402 Agent tools AI agents pay through tools, under apolicy the customer approves once. Keys · proofs Zynth Wallet Sealed Encrypted commitments Sealed balances Every balance is encrypted. Thenetwork checks the math, never thenumber. HSM · capability tokens Scoped keys Keys stay in hardware. Every spend islimited by amount, time and use. Zero-knowledge Proof per payment Each payment proves it adds up andnothing goes negative, and revealsneither. EVM-compatible · no gas Zynth L1 Checked, not trusted Token contract Your token Your name on the balance. One balanceworks across every contract. Hold · settle · release Escrow Unknown final amounts settle by rule,not by chargeback. Fees · rewards Merchant Your fee and your customer's reward,set per contract. Issuance contract Mint & burn A token is created as dollars arrive andretired as they leave. Byzantine quorum Proof of Balance Source of truth Re-execute · certify Independent validators They re-run every payment and everycontract, including our own engine's.Final when a quorum signs, and it holdseven if up to a third of them fail. Money arrives On-ramp Card, transfer or deposit Dollars become your token Mint Every mint and every burn is certified by thevalidators, and can happen only once. Your token becomes dollars Burn Money leaves Payout To any account, any day

Your team sees an API. Behind it, independent validators re-check everything, our own engine included.

What that means inside your operation.

  • Fixed cost

    Dedicated lanes hold the fee flat through your peak, not just a quiet Tuesday.

  • Cash today, not next week

    Days of float become inventory you buy the same afternoon.

  • Automated reconciliation

    Structured memos ride with each payment and post straight to your ERP.

  • No chargebacks

    Push payments end fraud reversals — and the team that fights them.

  • Pay on days the banks are shut

    A Sunday in July settles like a Wednesday in March. No correspondent chain.

  • No rip-and-replace

    The SDK drops in beside the PSP you already run.

The ask

One of you will issue the money.

  1. Now

    The token, designed

    Your name on it, the tiers, and your settlement data against our model.

  2. Next

    One category, one season

    One part of the estate, funded by the members who trust you most. The card rail stays on.

  3. Later

    One payment platform

    Consumer payment, vendor and franchise settlement, and your own books reconciling themselves.