Banking, payments & wealth — shipped, regulated, scaling

Zero-Bank is the flagship retail and business banking application of the Zero Ecosystem, built end-to-end by Indigo Pascal for ZERO BLOCKCHAIN LIMITED (Companies House 16429120). It ships 13 distinct account products - from ZeroBase, ZeroGen and ZeroGrow through to ZeroElite, ZeroNomad and ZeroScale - alongside a gallery of 12 collectible card designs (GeoCore, PrismAura, NeoFlux, HeritageLine, TitanForm and more). The desktop and mobile experience unifies fiat, crypto, NFTs and tokenised assets behind a single boundless interface, with a hardened auditable core, AI-driven portfolio insights, and deep integration into the wider DLT stack.

A unified suite of four production applications delivering the payments and regulatory backbone for the Zero Ecosystem. Zero-Pay provides a fast, scalable, transparent global payments infrastructure tuned for cross-border transfers. Zero-Flow brings traditional payment methods (cards, bank, invoicing) into a modern web stack. Zero-Comply automates regulatory reporting and policy monitoring for financial institutions through intelligent automation. Zero-Supervise gives regulators cutting-edge supervisory tools - real-time anomaly detection, market oversight and resilience analytics for a well-regulated ecosystem.

Five integrated products that round out the Zero personal-finance stack. Zero-Pulse delivers real-time market analytics, portfolio tracking and risk assessment. Zero-Insight uses AI and big data to give users personalised, dynamically adjusted financial advice. Zero-Trade harnesses advanced algorithms across equities and crypto for smarter execution under volatile conditions. Zero-Insure leverages real-time data and predictive analytics to tailor personalised, dynamic insurance with streamlined claims. Zero-Green is a secure crowdfunding platform for verified eco-friendly projects, channeling capital to impactful environmental progress.

The financial backbone we deploy under every Zero product: a double-entry, append-only ledger with a cryptographically-chained audit log per account, full reconciliation against rail providers every minute, multi-currency settlement, and treasury controls for liquidity, FX exposure and end-of-day cut-offs. Designed for FCA SYSC 8 outsourcing reviews and CASS-style segregation where required.

A modular onboarding and ongoing-monitoring layer covering KYC document and biometric verification, sanctions / PEP / adverse-media screening, transaction monitoring, and PSD2 RTS-compliant SCA with biometric and device-binding flows. Decisioning rules are version-controlled, every step is captured for the audit trail, and the case-management UI is shaped to your operations team rather than a vendor’s.

A custody, staking and tokenisation layer for regulated digital assets - e-money, tokenised deposits, securities. MPC-based key management with hardware-backed signing, native compliance hooks (KYC binding, allow-list assets), and an EVM-compatible token-issuance toolkit. Pairs with Zero-Stake for non-custodial yield, Zero-Dex for permissioned exchange and Zero-Core for institutional treasury.