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Zynth

Zynth · Token native payment network

Money thatstays yours.

A deposit token or stablecoin, final in under a second.

Run your numbersSee it in your world
< 1 sec
final settlement
$0.001
flat, per payment
24/7/365
weekends, holidays, borders
Yours
the deposit and the client

The problem

Five strangers stand in the middle.

Five intermediaries stand between your client and their supplier on a transfer across a border; the beneficiary bank at the end of the queue holds the money.
  1. Your client
  2. Sender's correspondent
  3. Messaging network
  4. Intermediary bank
  5. Receiver's correspondent
  6. Beneficiary bank
  7. Their supplier

Each one prices its own risk into the payment. The last one keeps the money.

3%+
in fees and FX on a payment across a border
Days
before most of them land
<3%
of business payments from North America credited within an hour

Zynth vs. traditional rails

Follow $20,000 across a border.

A wire across a border

$20,000 payment

  1. Your client
  2. Sender's correspondent
  3. Messaging network
  4. Intermediary bank
  5. Receiver's correspondent
  6. Beneficiary bank

Arrives

$19,400

Hops
6
Time to final
Days
Within the hour
<3%
Whose deposit
Gone

01

Five banks, days, six hundred dollars.

Fees and FX at every hop. Fewer than 3% of these arrive within the hour.

02

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

Paid as your tokenised deposit. Final on a Sunday, across the border.

03

The fee was never the point.

The money stays your deposit until the second it lands. And $0.001 excludes any currency conversion; the 3% includes it.

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

What Zynth is

Six systems become one token.

Deposit token or stablecoin, the money holds the rules.

How Zynth works

Deposit in. Your token. Deposit out.

One movement, and the deposit never leaves your bank.

  • Deposits · at your bank
  • Your token · under a second
At your bank Deposit Your client's balance, on your balance sheet Deposit mirror The deposit stays put No funding transaction. The tokenfollows the balance, one for one. Lending Your token, on Zynth The deposit becomes your token Mint Burned with the deposit Burn and debit Sanctions & AML Screened before the payment is certified Client limits Per-client limits and agent mandates, insidethe money Escrow Hold, settle and release by rule On-us transfer Your clients pay each other Same rail, same second, and themoney never leaves your bank Reconciliation Token and deposit proven equal,continuously Money lands Payout Across the border, at your bank. Currency conversionis separate. $

Zynth runs the rail. The deposit, the data and the client stay with you.

Drawn for a bank's tokenised deposit. A consortium's stablecoin runs the same rail against a reserve instead of a deposit.

Token economics

Pick the money you issue.

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

  • Tokenised deposit

    A bank deposit, on chain

    • Built inCash out
    • Built inP2P
    • Not availableBearer
    • Your rulesOpen loop
    Best for
    Banks and credit unions moving client money
    Backing
    Fractional
    Economics
    Deposits stay on the balance sheet and keep funding loans

  • Stablecoin

    Open-loop digital dollars

    • Built inCash out
    • Built inP2P
    • Built inBearer
    • Built inOpen loop
    Best for
    Cross-border, B2B and settlement beyond your estate
    Backing
    Full reserve, at par
    Economics
    Spends wherever accepted; Zynth runs the compliance operations
  • 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.

Client money is your deposit until the moment it moves. A tokenised deposit moves and stays yours.

  • Treasury
  • Commercial clients
  • Retail clients
  • Entities across the border
  • Correspondent banks

Your year across borders today, and on Zynth

Wires today

Annual cross-border payments

250K payments a year, $20,000 average.

Annual cost to move it

−$150M

3% in fees and FX — the floor from North America.

Annual cost to carry

−$308K

$13.7M in transit at any time, at 2.25%.

Client balances

−$205M

Lost to another issuer's stablecoin.

Zynth

Annual cross-border payments

Final in under a second, 24/7/365.

Annual cost to move it

−$250

250K payments at $0.001, before any FX.

Annual cost to carry

$0

Nothing in transit: final in under a second.

Client balances

+$205M

Kept as your deposit, still funding loans.

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

Directional, on an illustrative bank, not an account we have modelled: $5B a year of business payments sent across a border at $20,000 each, and 3% in fees and FX, the floor of what the FSB's 2025 progress report measured for business payments from North America. Half your clients hold a month of outgoing payments as a balance. It is a deposit kept, not a margin earned: no net interest margin is applied, because that number is yours. The 3% includes currency conversion; Zynth's $0.001 does not, and conversion is not priced here. 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

  • A deposit that moves and stays

    The client pays across the border. The money is your deposit until the second it lands.

  • The 2am Sunday wire

    Treasurers move dollars 24/7/365 on your rails, final in under a second.

  • Settlement with conditions

    Hold, settle and release written into the payment, not into a back-office queue.

  • Agents inside client mandates

    Payables run by an agent, within limits the treasurer sets once.

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 core, treasury portaland apps. Ethereum tooling worksunchanged. Institution 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 amandate the client 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 Conditional payments settle by rule, notin a back-office queue. Limits · fees Client rules Per-client limits and fees, set percontract. Issuance contract Mint & burn Minted against the deposit or reserve,burned as it is debited. 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. Backing held Deposit · reserve At your bank, or in your group's reserve Backing becomes your token Mint Every mint and every burn is certified by thevalidators, and can happen only once. Your token is retired Burn Money lands Payout Across the border, any day

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

What that means inside your operation.

  • 24/7/365

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

  • Data that rides with the money

    Structured memos travel with each payment and post straight to your core.

  • Each client sees its own book

    Business chains run private. A client sees its activity; you see the whole book.

  • Built with privacy

    Balances stay encrypted. Every payment proves it moved value without creating any.

  • Agents get scoped access

    An agent pays inside a mandate the client sets, with a token that can do nothing else.

  • Nothing turns off

    Zynth runs beside the rails you already operate. Move volume when your numbers say to.

The ask

Nothing turns off. Your numbers decide.

  1. Now

    The instrument, on paper

    What it settles, the rules it carries, and your numbers against our model. No systems touched.

  2. Next

    One corridor, one segment

    A defined set of clients on one corridor. Your existing rails run the whole time.

  3. Later

    Across the book

    Treasury sweeps, conditional settlement, then agents inside client-set mandates.