Zirodelta

Zirodelta builds financial modules for any app that holds money: earn, borrow, convert, settle and spend, all running on one shared balance sheet. Apps plug in the modules they need, and Zirodelta earns when those modules earn or move money.

Status, October 2026. Every module is in development. No customer funds are pooled. See Status for the detail.

Who these docs are for

• Teams building apps that hold money, who want to understand what the modules do and how working with Zirodelta would look.

• Anyone who wants to check how the system works, what is live and what can be verified.

Where to start

• How Zirodelta works: the three layers and why one balance sheet matters.

• The modules: what each one does and where it stands.

• Use cases: four patterns any app that holds money can use.

• Working with Zirodelta and the business model.

• Verify us: what you can check yourself.

The short version

• One engine, many apps. Each money function is built once, as a module, and offered to any app.

• One balance sheet underneath. Modules share one record of what is held, owed and earned, so they work together.

• Honest status. Nothing is called live until it is.

• Verify, do not trust. Claims about supply, reserves and status should be checkable by you.