Zynk
Zynk is an API-first cross-border payments infrastructure company that provides embedded just-in-time liquidity for fintechs, neo banks, remittance firms, PSPs, and Web3 platforms, enabling instant global settlement across fiat and stablecoin rails without pre-funding corridors.
- Company typePrivate
- Founded2024
- HeadquartersChicago, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Zynk does
Zynk is a cross-border payments infrastructure company that provides instant global settlement through embedded just-in-time liquidity, removing the need for partners to pre-fund payment corridors. Founded by the former Amazon Pay CTO and operating across entities in Singapore (primary), the Cayman Islands, and British Columbia (Canadian MSB registered with FINTRAC), the company targets fintechs, neo banks, remittance companies, payment service providers, OTC desks, Web3 platforms, and marketplaces as a B2B infrastructure layer. Its product suite comprises five modules — Transformer (cross-border transfers), Transporter (automated liquidity manager), Teleport (multi-currency pay-in accounts with programmable virtual IBANs), Warp (global payouts API), and Continuum (non-custodial wallet infrastructure with WebAuthn passkey authentication) — unified through a REST API and MCP-enabled developer documentation, with Plaid integrated for USD ACH.
The platform connects regulated banking partners with stablecoin rails (Solana live; Ethereum, Arbitrum, Polygon announced) to deliver fiat-to-fiat, fiat-to-stablecoin, and stablecoin-to-fiat conversions across USD, INR, EUR, AED, and PHP corridors (MXN launching). Revenue is generated via transaction fees, usage-based liquidity provision fees, and recurring API access, though pricing is quote-based and not publicly disclosed. The company is API-first and developer-led, with enterprise acquisition supported by direct sales and 'Request a Demo' calls; integration happens through sandbox environments and self-service docs. As of November 2025, Zynk had raised a $5 million seed round led by Hivemind Capital with participation from Coinbase Ventures and other crypto-native investors, and had processed $74.9 million for a single disclosed Web3 remittance client on a path to roughly $200 million annualized volume.
Zynk firmographics
Firmographics- Name
- Zynk
- Legal name
- Zynk Labs Pte. Ltd.
- Website
- https://zynk.money
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zynk is an API-first cross-border payments infrastructure company that provides embedded just-in-time liquidity for fintechs, neo banks, remittance firms, PSPs, and Web3 platforms, enabling instant global settlement across fiat and stablecoin rails without pre-funding corridors.
- Ownership category
- akta.pro rank
Zynk industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Miscellaneous Intermediation (523910)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Cross-Border Payment Orchestration & Routing (FSAGAKAJ)
- akta.pro secondary industries
- Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where Zynk is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Zynk business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction/Fees: Revenue generated through transaction fees charged on cross-border transfers, payouts, and liquidity transactions. Fee structure includes network fees and Zynk platform fees based on transaction volume and currency pairs.
- Liquidity Provision Fees: Fees charged for providing instant just-in-time liquidity to partners. Partners repay borrowed liquidity plus applicable fees through the replenish process.
- API Access/Subscription: Access to the Zynk API infrastructure, developer tools, sandbox environments, and support services for platform integration.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Zynk product offering
Product offeringCore offering
Zynk is an API-first cross-border payment infrastructure platform that delivers instant global settlements with embedded just-in-time liquidity, eliminating the need for pre-funding corridors. The platform comprises five modular products — Transformer (cross-border transfers), Transporter (automated liquidity manager), Teleport (multi-currency pay-in accounts), Warp (global payouts API), and Continuum (wallet infrastructure) — enabling fintechs, neo banks, PSPs, and remittance companies to move value across fiat and stablecoin rails in real time.
Product overview
Zynk is a cross-border fintech infrastructure platform providing instant global settlements through a modular product suite. The platform comprises five core products: Transformer (cross-border transfers), Transporter (automated liquidity management), Teleport (multi-currency pay-in accounts), Warp (global payouts), and Continuum (wallet infrastructure). Together, these products enable instant cross-border payments without pre-funding, supporting fiat and stablecoin transactions across USD, INR, AED, EUR, MXN, and PHP corridors.
Differentiator
Problem solved
Functional benefit
Brands
- Transformer: Cross-border transfers product enabling instant remittances and real-time transfers with deep liquidity across corridors.
- Transporter
- Teleport
- Warp
- Continuum
Products and services
- Transformer Cross-border transfer product that delivers instant remittances and real-time transfers with deep liquidity across multiple corridors, supporting fiat-to-fiat, fiat-to-stablecoin, and stablecoin-to-fiat conversions. Designed for fintechs, neo banks, PSPs, and remittance companies needing instant global money movement.
- Transporter Automated liquidity manager that provides just-in-time liquidity for cross-border transactions, eliminating the need for pre-funding and treasury operations. Delivers liquidity across multiple corridors on-demand in USD, USDC, and USDT, enabling partners to repay borrowed liquidity plus fees through the replenish process.
- Teleport Multi-currency pay-in accounts module that enables programmable virtual accounts for receiving funds locally. Partners can create virtual IBANs and local account numbers for USD, INR, AED, EUR, MXN, and PHP, allowing instant account provisioning for receiving funds in multiple currencies.
- Warp Global payouts API enabling programmatic multi-currency mass disbursements in seconds. Supports batch payouts, scheduled runs, beneficiary validation, multi-rail routing optimization, and automatic compliance verification for PSPs and platforms needing high-throughput global disbursements.
- Continuum Programmable non-custodial wallet infrastructure supporting multi-currency balances and blockchain accounts. Includes Passkey (WebAuthn) authentication, ECDSA signature verification, session-based security, and support for Solana blockchain with Ethereum, Arbitrum, and Polygon coming soon.
Quantifiable outcome
- Eliminates $10M+ in idle working capital for 5-corridor operation (based on $500K daily volume, 4-day settlement delay)
- +5 more outcomes
Companies that use Zynk
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles5 records
Zynk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature7 records
Zynk partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and regulatory.
- Regulated Banking PartnerscoreZynk works with regulated banking partners to provide compliant cross-border transfers. The company integrates with existing banking infrastructure while providing instant settlement capabilities on top.
- On/Off-Ramp PartnerscoreIntegration partnerships with cryptocurrency on-ramp and off-ramp service providers to enable fiat-to-stablecoin and stablecoin-to-fiat conversions through Zynk's settlement infrastructure.
- FINTRAC (Financial Transactions and Reports Analysis Centre of Canada)regulatoryCanadian financial intelligence unit that supervises Zynk's MSB entity (1558846 B.C. LTD.) for compliance with anti-money laundering and terrorist financing regulations under POCA.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Zynk competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Zynk social profiles
Digital presenceZynk compliance and trust
Trust signalCompliance1 record
Zynk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zynk leadership team
Management profileNumber of profiles
Profiles1 record
Zynk funding detail
Funding detailFunding overview
Funding rounds1 record
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zynk 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 Zynk
What does Zynk do?
Zynk is an API-first cross-border payment infrastructure platform that delivers instant global settlements with embedded just-in-time liquidity, eliminating the need for pre-funding corridors. The platform comprises five modular products — Transformer (cross-border transfers), Transporter (automated liquidity manager), Teleport (multi-currency pay-in accounts), Warp (global payouts API), and Continuum (wallet infrastructure) — enabling fintechs, neo banks, PSPs, and remittance companies to move value across fiat and stablecoin rails in real time.
Is Zynk a public or private company?
Zynk is a private company. It is classified as venture growth investor backed and is currently operating.
When was Zynk founded?
Zynk was founded in 2024. It employs 11 to 50 people.
Where is Zynk based?
Zynk is headquartered in Chicago, United States, in the North America region.
How does Zynk make money?
Three revenue lines are on record. Transaction/Fees are the primary driver. The others are liquidity Provision Fees and API Access/Subscription.
Does Zynk have an API?
Yes. Zynk provides a comprehensive REST API platform for cross-border payments, wallet infrastructure, and liquidity management. The API enables developers to execute cross-border transfers, create teleport pay-in accounts, manage liquidity via Transporter, and perform wallet operations through Continuum. Supports entity management, KYC/KYB, external accounts, funding accounts, transfers, webhooks, and blockchain transactions (Solana). Authentication via API keys, OAuth, Email/SMS OTP, and WebAuthn passkeys. Sandbox environment available with documentation at docs.zynk.money. Developer documentation is at docs.zynk.money.
What industry is Zynk in?
Zynk's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSAGAKAJ, Cross-Border Payment Orchestration & Routing, with a secondary code of FSADAIAD, Crypto Remittance & Cross-Border Money Transfer Providers. Its NAICS code is 522320 and its SIC code is 6211.