ZILO
ZILO is a UK-based fintech that provides a cloud-native, AI-embedded SaaS platform for transfer agency, wealth management, and regulated digital assets to global financial institutions including custodians, asset managers, wealth managers, and independent ACDs.
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What ZILO does
ZILO Technology Limited is a privately held UK fintech founded in London in 2020 by Phil Goffin (previously founder of Calastone, co-founder of Apply Financial, and CTO at FNZ) that builds cloud-native, AI-embedded SaaS for transfer agency, wealth management, and regulated digital assets. Its flagship ZILO Global Platform is a multi-region, multi-client, multi-currency architecture delivered through four modular products — ZILO Core (digital-first transfer agency), ZILO Invest (persona-based investor portal), ZILO Wealth (wealth management for advisers and D2C models), and ZILO Digital Assets (enterprise tokenization and smart contract orchestration across EVM and non-EVM chains) — plus ZILO Migrate, a generative AI-powered legacy data migration engine. The platform is positioned as a replacement for end-of-life transfer agency and wealth platforms at global custodians, asset managers, wealth managers and independent ACDs, with capabilities spanning investor servicing, fund administration, dealing, registry, corporate actions, and embedded KYC/AML in onchain transactions.
ZILO operates a sales-led, land-and-expand go-to-market targeting enterprise financial institutions, with every product page gated behind 'Book a Demo' CTAs and pricing delivered via custom multi-year contracts — no public pricing or self-serve channel exists. Its customer base is small but anchored by Tier-1 logos: Citi (first major client, December 2021), Fidelity International (TA technology partnership, March 2024), State Street (UK TA service launch, March 2025), Yealand Fund Services (May 2026), plus two undisclosed top-five global custodians and one top-five global asset manager onboarded since 2023. Distribution is reinforced through a strategic-investor syndicate in which Fidelity International Strategic Ventures, State Street, Citi and Altered Capital are both shareholders and (in several cases) commercial partners, with Portage (Sagard) as the lead financial investor across both the 2024 Series A and the 2025 Series A2.
The company has raised approximately $52 million in disclosed funding across four rounds, most recently a $27 million Series A2 extension in September 2025 at a higher valuation than the January 2024 Series A. Operating geographies span the UK (London HQ), Thailand (ZILO Asia Limited), and announced 2026 expansions into Luxembourg and Ireland, with active compliance credentials including ISO/IEC 27001:2022 (August 2024, UK and Thailand) and SOC 2 Type II (January 2026, all five trust criteria, audited by A-LIGN). Headcount is reported at 101–250, with a leadership bench drawn heavily from Fidelity International, State Street, FNZ, JP Morgan, BNY Mellon, SS&C and Royal London.
ZILO firmographics
Firmographics- Name
- ZILO
- Legal name
- ZILO Technology Limited
- Website
- https://zilo.co.uk
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ZILO is a UK-based fintech that provides a cloud-native, AI-embedded SaaS platform for transfer agency, wealth management, and regulated digital assets to global financial institutions including custodians, asset managers, wealth managers, and independent ACDs.
- Ownership category
- akta.pro rank
Where ZILO is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
ZILO business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Enterprise SaaS subscriptions (ZILO Global Core, Invest, Wealth, Migrate): Cloud-native SaaS platform licensed to financial institutions (custodians, asset managers, wealth managers, independent ACDs). Multi-year contracts inferred from enterprise sales motion and 'Book a Demo' gating of all product pages. Recurring subscription revenue with land-and-expand across additional modules (Wealth, Digital Assets, Migrate).
- Digital Assets platform (tokenization & onchain infrastructure): Enterprise-grade infrastructure, platforms and business models for managing assets onchain. Likely SaaS / per-asset-class licensing given enterprise positioning.
- ZILO Migrate (data migration projects): Generative AI-powered legacy data migration services bundled with platform sales. Likely project / one-time migration fees plus ongoing subscription once migrated onto ZILO Core.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based enterprise SaaS pricing — contact sales for a tailored proposal |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
ZILO product offering
Product offeringCore offering
ZILO sells a cloud-native, AI-embedded SaaS platform (the ZILO Global Platform) to financial institutions, comprising ZILO Core for digital-first transfer agency, ZILO Wealth for wealth management, ZILO Digital Assets for regulated tokenization and onchain distribution, ZILO Invest as a persona-based investor portal, and ZILO Migrate for generative AI-powered legacy data migration. The platform is sold on multi-year subscription contracts to custodians, asset managers, wealth managers and independent ACDs globally.
Product overview
ZILO offers a platform-plus-modules architecture built around its flagship ZILO Global Platform — a cloud-native transfer agency platform. The Global Platform integrates four core solution areas — Transfer Agency (ZILO Core), Wealth Management (ZILO Wealth) and Digital Assets (ZILO Digital Assets) — delivered alongside two product modules: ZILO Invest (an all-in-one investor portal) and ZILO Migrate (a generative AI-powered legacy data migration tool). Together these modules transform fund operations, investor servicing, tokenized asset issuance, and wealth management for asset managers, asset servicers and financial institutions, replacing legacy systems with a digital-first, AI-driven infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- ZILO Global Platform: One global transfer agency platform delivering digital-first transfer agency, digital assets and wealth capabilities across jurisdictions.
- ZILO Digital Assets
- ZILO Wealth
- ZILO Invest
- ZILO Core
- ZILO Migrate
Products and services
- ZILO Global Platform One global transfer agency platform delivering a digital-first experience across transfer agency, digital assets, and wealth management, built to scale, integrate seamlessly, and operate across jurisdictions for asset managers and asset servicers.
- ZILO Core Digital-first, cloud-native transfer agency platform engineered by transfer agency experts to deliver agile, secure, and scalable end-to-end transfer agency processing; multi-region, multi-client, and multi-currency by design.
- ZILO Wealth Cutting-edge wealth management solution for asset managers, wealth managers, and advisers, supporting advised, execution-only, and Direct-to-Consumer models with flexible product wrappers and end-to-end investment workflows.
- ZILO Digital Assets Operating platform for regulated digital assets that orchestrates the full digital asset lifecycle - asset tokenization, multichain distribution across EVM and non-EVM chains, ongoing operations and atomic transactions - with always-on KYC/AML and jurisdiction compliance.
- ZILO Invest All-in-one, persona-based investment portal for Asset Managers and their Investors, providing identity & access management, onboarding, trading, transactions, communication, account maintenance, documents, insights and reporting in a unified experience.
- ZILO Migrate Generative AI-powered data migration tool designed to revolutionise the transfer of legacy transfer agency data between source and target systems, advertised as 80% faster, up to 70% lower cost, and 99.99%+ data accurate.
Quantifiable outcome
- 80% faster legacy data migration with ZILO Migrate
- +4 more outcomes
Companies that use ZILO
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
ZILO technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability8 records
Feature6 records
ZILO partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, supporting and flagship.
- Yealand Fund ServicescoreLong-term strategic partnership announced 21 May 2026: Yealand, an Independent Authorised Corporate Director (ACD), adopts ZILO's Global Core Platform to modernise its transfer agency infrastructure, investor servicing and reporting as it scales. Represents ZILO's positioning as the natural choice for independent ACDs and Administrators.
- SoftcatsupportingCase study (February 2026): 'Scaling Securely: How ZILO built Enterprise-Grade Resilience with Softcat and CrowdStrike'. Softcat provides IT infrastructure supporting ZILO's enterprise-grade resilience.
- CrowdStrikesupportingCase study (February 2026): CrowdStrike provides endpoint detection / cybersecurity technology underpinning ZILO's enterprise-grade resilience and SOC 2 Type II posture.
- State Street (UK transfer agency service launch)flagshipState Street chose ZILO to launch its UK transfer agency service (March 2025). The two firms jointly won 'Asset Servicing Project – One to Watch' at the Global Custodian Leaders in Custody Awards 2026. This is the commercial deployment arm of the broader State Street / ZILO relationship (alongside State Street's participation in Series A and A2 funding rounds).
- Fidelity InternationalflagshipTransfer Agency technology partnership announced 7 March 2024. Fidelity International (the parent of FISV) partnered with ZILO to deploy its transfer agency technology. Complementing the FISV investment relationship, this is a deeper commercial partnership with Fidelity's operating business.
- Citi (first major client, committed December 2021)coreCiti was ZILO's first major client, committed in December 2021 — preceding the Series A. Citi subsequently participated in the £25m Series A (Jan 2024). The dual investor/customer relationship is foundational to ZILO's early go-to-market.
- A-LIGNsupportingA-LIGN is the cybersecurity compliance firm that conducted ZILO's SOC 2 Type II audit, completed in January 2026 in six months across all five trust criteria. A-LIGN is a leading provider trusted by more than 4,000 global organizations.
Scale indicators9 records
Recent moves6 records
Expansion highlights7 records
ZILO competitors and assessment
Company assessmentDirect peers
- FNZ: Global wealth management platform serving major financial institutions with end-to-end investment, advice and administration technology. Directly comparable to ZILO given the overlap in wealth and asset management platform scope; notably, ZILO Founder Phil Goffin was previously CTO at FNZ.
- SS&C Technologies: Large global provider of fund administration, transfer agency and investor services software (including DST/GlobeOp heritage) serving asset managers and asset servicers. Direct competitor to ZILO Core in the transfer agency and fund services space; ZILO CDAO Brian Smith and CRO Chris Northwood are both SS&C alumni.
- Bravura Solutions: Provider of transfer agency, wealth management and life insurance software platforms to financial institutions in EMEA and APAC. Closely comparable to ZILO in the transfer agency and wealth platform category, serving similar custodians, asset managers and wealth managers.
- Calastone: World's largest global funds network providing distributed fund trading, settlement and reconciliation infrastructure to the asset management industry. Founded by ZILO's Founder/CEO Phil Goffin, making it a direct strategic and product comparable in fund servicing technology.
- Avaloq (Nasdaq): Wealth management and digital banking platform acquired by Nasdaq, serving private banks and wealth managers with end-to-end software. Comparable to ZILO Wealth in target market (wealth and asset managers) and platform architecture (cloud-native, end-to-end wealth workflows).
- Profile Software: Specialist provider of investment management, transfer agency and banking software to financial institutions in EMEA and APAC. Closely comparable to ZILO in transfer agency and wealth platform coverage, targeting banks, asset managers and fund administrators.
- GBST (Iress): Wealth management and transfer agency platform provider serving retail and institutional wealth managers, now part of Iress. Comparable to ZILO in the wealth and transfer agency platform category with overlapping customer base among asset servicers and wealth managers.
Broad incumbents
- Finastra: Large global financial software provider covering retail, wholesale and investment banking with a broad portfolio of capital markets, lending and wealth platforms. Indirect overlap with ZILO via investment and wealth platforms, serving similar Tier-1 financial institutions at greater scale but with broader product scope.
- FIS (Fidelity National Information Services): Large global provider of financial technology solutions spanning banking, capital markets, asset management and wealth. Indirect overlap with ZILO through asset management and wealth platforms (e.g., FIS InvestOne) targeting the same Tier-1 financial institution buyers but with broader product breadth.
- Temenos: Global banking software provider offering core banking, wealth and fund administration platforms to banks and financial institutions. Indirect overlap with ZILO via the wealth management product line targeting similar institutional buyers in EMEA and APAC, though Temenos is much broader in scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
ZILO social profiles
Digital presenceZILO compliance and trust
Trust signalCompliance2 records
ZILO financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZILO leadership team
Management profileNumber of profiles
Profiles20 records
ZILO subsidiaries and ownership
Company hierarchySubsidiaries1 record
ZILO funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZILO M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ZILO
What does ZILO do?
ZILO sells a cloud-native, AI-embedded SaaS platform (the ZILO Global Platform) to financial institutions, comprising ZILO Core for digital-first transfer agency, ZILO Wealth for wealth management, ZILO Digital Assets for regulated tokenization and onchain distribution, ZILO Invest as a persona-based investor portal, and ZILO Migrate for generative AI-powered legacy data migration. The platform is sold on multi-year subscription contracts to custodians, asset managers, wealth managers and independent ACDs globally.
Is ZILO a public or private company?
ZILO is a private company. It is classified as venture growth investor backed and is currently operating.
When was ZILO founded?
ZILO was founded in 2020. It employs 101 to 250 people.
Where is ZILO based?
ZILO is headquartered in London, United Kingdom, in the Europe region.
How does ZILO make money?
Three revenue lines are on record. Enterprise SaaS subscriptions (ZILO Global Core, Invest, Wealth, Migrate) is the primary driver. The others are digital Assets platform (tokenization & onchain infrastructure) and ZILO Migrate (data migration projects).
Who are ZILO's main competitors?
Direct peers on record are FNZ, SS&C Technologies, Bravura Solutions, Calastone, Avaloq (Nasdaq), Profile Software and GBST (Iress). Broad incumbents are Finastra, FIS (Fidelity National Information Services) and Temenos.
Does ZILO have an API?
Yes. ZILO Invest is built on an API-driven architecture that surfaces live valuations, transactions and account data, with end-to-end journeys connecting systems via APIs. The ZILO platform operates as a client-facing service accessible through the ZILO Client portal (client.ziloglobal.com) and a Shareholder portal (shareholder.ziloglobal.com). Specific public API documentation, SDK availability, authentication methods, and rate limits are not published on the company website.