Globally, about 1.7 billion adults remain unbanked—without an account at a financial institution or through a mobile money provider. In developing countries, that number is even higher. Because account ownership is nearly universal in high-income economies, virtually all unbanked adults live in developing economies. China and India, despite having relatively high account ownership, claim large shares of the global unbanked population because of their sheer size. Home to 225 million adults without an account, China has the world’s largest unbanked population, followed by India (190 million), Pakistan (100 million), and Indonesia (95 million). Indeed, these four economies, together with three others—Nigeria, Mexico, and Bangladesh—are home to nearly half the world’s unbanked population.

Despite the advances in financial technology over the last few decades, access to simple, 21st-century financial utilities remains astonishingly limited. Payment terminals have long, inefficient application processes, historically inadequate connectivity, and prohibitively expensive card payment costs to justify functioning in anything other than cash. Likewise, service providers have seen no need to invest in the infrastructure needed to connect these billions of individuals to the current digital financial system.

Z Point of Sale (PoS) Payment Data platforms will enable transactions in Cryptocurrencies. All of our platforms will run on a common Blockchain in order to give a unified experience to merchants and to make their life easier. You can buy or sell your products and services in Cryptocurrencies in Z payment platform more efficiently than ever before.

Consumer buys a product or consumes a service from a merchant using one of our products. For example, a customer orders food in a restaurant using Zebacus payment application.


If the payment is made using Z Token

  • The settlement process is initiated and the payment to the merchant in the form of the Z token is transferred instantly.
  • Loyalty points are accumulated for consumers on every purchase of a product and service. Loyalty points for merchants are accumulated on every sale of a product and service.
  • Loyalty points are redeemed in the form of Z token.


If the payment is made using other cryptocurrencies

  • Consumer makes a payment for the product or service using Fiat Currency (ex. $USD) or Cryptocurrency (Bitcoin, Ether or USDT)
  • If the payment is made using a credit card in Fiat Currency, the merchant can decide to use Z token in order to receive an Instant Merchant Deposit instead of having to wait the traditional two working days for the settlement to occur.
  • Loyalty points can be redeemed when the consumer or merchant collect enough points.