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Venture · Founded 2021
Zero-Bank
Blockchain banking on the ZC-1 protocol
ReleasedZC-1 Protocol · Blockchain BankingCo. No. 16429120
Zero-Bank is the consumer banking arm of Zero Blockchain Ltd - a boundless ecosystem of digital accounts, designer card collections, crypto vaults, and AI-driven personal finance, all unified on the ZC-1 protocol. Bridging traditional finance and Web3, Zero-Bank empowers users to thrive in a connected, digital-first economy.
5M+
Active users
180+
Countries
$10B+
Processed
99.99%
Uptime
Four Pillars
Blockchain Native
Built on the ZC-1 Protocol for unmatched security, transparency, and settlement speed.
Lightning Fast
Transactions settle in seconds, not days - across borders, currencies, and asset classes.
Bank-Grade Security
256-bit encryption protects every transaction. Zero security breaches to date.
Future Ready
Crypto, DeFi, and traditional banking unified in one platform built for the next decade.
13 Accounts for Every Life Stage
Whether you're saving, investing, travelling, building a business, or planning retirement, there's a Zero-Bank account purpose-built for the moment.
Standard
ZeroBase
AI budgets, no monthly fee
Everyday current account with AI-driven budgeting tools and no monthly fees - the default door into the Zero ecosystem.
AI budgetsNo monthly feeInstant transfers
Youth
ZeroGen
Ages 13-18 with parental controls
Teen-friendly account with parental controls, learning modules and safe spending limits to build financial literacy early.
Parental controlsSpending limitsFinancial literacy
Savings
ZeroGrow
Automated savings & goals
Automated round-ups, goal-based savings and smart sweep rules to grow your balance effortlessly.
Auto round-upsGoal potsSmart sweeps
ZeroFuture
Long-term, higher interest
Long-horizon savings with higher interest tiers, ideal for retirement, deposits, or compounding wealth.
Higher interestLong-termCompounding
Investment
ZeroEdge
Robo ETF portfolios
Automated robo-advisor with diversified ETF portfolios, risk-tiered and rebalanced on autopilot.
Robo-advisedETF portfoliosAuto-rebalanced
Advanced Investment
ZeroX
Stocks, crypto, margin
Advanced trading account with stocks, crypto, options and margin - for users ready to take direct control.
Stocks & cryptoMargin tradingAdvanced charting
Premium
ZeroElevate
Cashback & no FX fees
Premium tier with cashback on everyday spend, no FX fees abroad, and priority customer support.
CashbackNo FX feesPriority support
ZeroElite
Concierge & global perks
Top-tier private client experience with 24/7 concierge, airport lounge access, and global lifestyle perks.
ConciergeLounge accessGlobal perks
Niche
ZeroGreen
Eco-friendly banking
Sustainability-focused account: every spend offsets carbon, deposits fund green projects, transparent impact reporting.
Carbon offsetsGreen depositsImpact reporting
ZeroNomad
Multi-currency for travellers
Built for digital nomads: multi-currency wallets, fee-free FX, global ATM access, and travel insurance.
Multi-currencyFee-free FXTravel insurance
50+
ZeroFreedom
Tools & discounts for retirees
Tailored for the 50+ market - retirement planning, healthcare-linked spend, and partner discounts.
Retirement toolsHealthcare perksPartner discounts
Business
ZeroLaunch
Invoicing & small biz loans
Small business banking with invoicing, expense management, and access to fast small-business lending.
InvoicingExpense toolsSmall biz loans
ZeroScale
High limits & advisors
Scale-up business banking with higher limits, dedicated advisors, treasury tools, and corporate cards.
High limitsDedicated advisorTreasury tools
12 Designer Card Collections
Cards that move beyond payment instruments - wearable identity, gallery-grade design, engineered metals, and finishes that catch the light.
GeoCore
Sleek geometric design
Precision-cut geometric forms in matte and metallic finishes.
PrismAura
A colourful spectrum twist
Iridescent prismatic finishes that shift through the spectrum in light.
Artiform
Abstract creative flair
Curated abstract artwork from contemporary digital artists.
Inkscape
Bold ink-inspired visuals
Hand-drawn ink illustrations rendered in matte black and gold.
PulseLine
Dynamic & rhythmic energy
Waveform-inspired designs pulsing with kinetic linework.
AbyssalBlue
Deep ocean mystique
Deep oceanic blues fading into bioluminescent accents.
NeoFlux
Futuristic & modern vibe
Neon-lit cyberpunk aesthetics for the digital generation.
HeritageLine
Timeless classic style
Embossed crests and antique gilding evoking traditional banking.
TechNova
Cutting-edge tech aesthetic
Stellar metallic finishes inspired by deep-space technology.
CrownEdge
Luxurious & majestic
Regal jewel-toned designs with hand-finished metallic edges.
TitanForm
Strong & durable design
Industrial titanium-grade finish, weight-engineered for permanence.
AvantGarde
Bold & unconventional
Provocative, gallery-worthy designs for those who refuse defaults.
The Zero-Bank Ecosystem
Zero Accounts
Released13 account types for every life stage
From ZeroBase (everyday) to ZeroElite (private client), 13 purpose-built accounts spanning standard, savings, investment, premium, niche and business.
BankTechFinTech
Zero Cards
Released12 designer card collections
Designer card collections - GeoCore, PrismAura, Artiform, Inkscape, PulseLine, AbyssalBlue, NeoFlux, HeritageLine, TechNova, CrownEdge, TitanForm, AvantGarde.
BankTechFinTech
Crypto Vault
ReleasedCustodial + self-custody hybrid
Secure crypto storage with hybrid custody, hardware-backed key management, and one-tap conversions to fiat.
DeFiCrypto Wallet
ZeroART NFTs
ReleasedCurated digital masterpieces
Curated NFT collections redefining digital art - preserving nature on-chain through endangered species artwork.
BlockchainAsset Management
Zero-Coin
ReleasedNative ZRC-20 cryptocurrency
The native digital currency powering the entire Zero ecosystem - transactions, staking rewards, and governance.
BlockchainDeFi
Zero-Tokens
ReleasedERC-20 endangered species tokens
ERC-20 tokens celebrating endangered and extinct species - every transaction funds conservation efforts.
BlockchainGreenTech
Zero-Smart Contracts
ReleasedIndustry-grade smart contracts
Advanced smart contracts for blockchain and industry solutions - audited, composable, production-ready.
BlockchainFinTech
Zero-Tokeniser V1
ReleasedReal-world asset tokenisation
V1 of the asset tokenisation platform - advanced management tools for tokenising property, equities, and commodities.
BlockchainAsset Management
Case study
From idea to production-grade banking
A four-act build log from blank canvas to a 13-account, 12-card neobank stack.
Problem
Traditional banks ship one account, one card, one experience. Modern customers — students, expats, founders, ESG-conscious savers, gig-economy nomads — get squeezed into the same product. The cost of switching is enormous; the cost of staying is silent.
Approach
Build the bank as a platform, not a product. 13 purpose-built accounts (Zero-Base → Zero-Scale), 12 metal/card finishes, segment-aware onboarding, and shared rails for FPS, SEPA and SWIFT. Every account is a different mental model on the same balance sheet.
Architecture
Next.js + TypeScript front end, segregated ledger, KYC/AML/SCA via Zero-Comply, real-time fraud scoring via Zero-Predict, payment rails through Zero-Pay, and on-chain settlement options through Zero-Core. Designed end-to-end across the Indigo Pascal stack.
Outcome
A working desktop neobank with 13 accounts, 12 cards, full KYC flow, multi-currency support and a brand system tight enough to license. Built solo, registered in the UK (Companies House 15658950), and ready for partners.
13
accounts
12
cards
3
rails (FPS / SEPA / SWIFT)
1
unified ledger
Changelog from my journey
I've been working on Aceternity for the past 2 years. Here's a timeline of my journey.
2021
2021
Founded
Zero-Bank vision conceived as the consumer banking layer of Zero-Blockchain.
2022
2022
ZC-1 Protocol
Blockchain banking core developed and battle-tested in regulated sandboxes.
2023
2023
1M Users
Global expansion begins - first million customers onboarded in 12 months.
2024
2024
Full Launch
Complete banking suite live: 13 account types, 12 card collections, crypto vault.
2026
2026
Global Scale
5M+ active users across 180+ countries, $10B+ processed, zero breaches.
Get in touch
Operated by Zero Blockchain Limited · Registered in England & Wales
Co. No. 16429120 · Manchester, England