Partners and compliance

Money is regulated differently in every country. The modules are designed to respect that, not to work around it.

Licensed local partners

In each country, activities that need a license, such as holding money for others, lending, issuing cards, exchanging currency or offering investment products, run through partners licensed for them. Zirodelta does not take on regulated roles it does not hold.

Client money stays where the rules allow

• Money your users pay in advance stays in the place your country's rules require.

• It is put to work only through products that are allowed for it, through licensed partners, and with the owner's consent where required.

• Zirodelta never invests money that is not the investor's to put at risk.

Risk sits with Zirodelta first

Riskier roles, such as the first-loss buffer in the Yield Engine and the capital behind advances, are filled with Zirodelta's own capital.

Identity and sanctions

Identity checks and sanctions screening are done where the rules require them, by the licensed partner responsible or by Zirodelta.

Your responsibilities

Your app remains responsible for its own licenses, what it tells its users, and the rules in the countries where it operates.