B2B financial infrastructure

Financial infrastructure for the digital economy.

ZIN FinTech unifies payments, analytics and liquidity management in a single integration platform.

Single API · Multi-bank · Multi-currency · Real-time control
webhook delivered · 128ms
FX module · auto-hedge
zin-console — production sandbox LIVE
Net position · all accounts
€ 0+2.4%
Cash flow · live
SEPA · pay-in route A → acquirer142ms
Cards · payout failover armed236ms
FX · conversion auto-hedge88ms
IDFlowAmountStatus
Core banking · sandbox Card PSP · live SEPA rail · live ERP sync · scheduled
Illustrative product interface · synthetic data
01 · Market problem

Corporate finance still runs on fragmented rails

Payments, banking connections and reconciliation live in separate systems — creating blind spots and operational drag.

5 LAYERS OF FRICTION
Illustrative pain points based on typical enterprise workflows
/01

Fragmented payment systems

Dozens of channels, formats and dashboards to move money.

/02

Complex bank integrations

Every bank connection becomes a custom engineering project.

/03

No unified cash visibility

Balances and flows scattered across entities, banks and currencies.

/04

Manual reconciliation

Teams match payments line by line in spreadsheets.

/05

High operational cost

Duplicate tooling and manual work erode margins.

02 · The solution

One platform — four operational layers

ZIN sits between your systems and the financial world, turning complexity into a single integration.

MODULE 01

Payment Orchestration

Route payments across channels and providers with smart failover and unified status tracking.

TX-8F2KPAY-IN → ZIN ROUTER → ACQUIRER ALIVE
policyfailover → ACQUIRER BSTANDBY
routersmart routing · 3 rails · auto-hedge FX99.2% target
MODULE 02

Treasury Management

Monitor liquidity, forecast cash positions and control balances across banks and entities.

MODULE 03

Financial Analytics

Real-time reporting, payment insights and forecasting on a single data model.

MODULE 04

Embedded Finance API

Embed payments, accounts and payouts into your product through a clean developer API.

POST /v2/payments HTTP/1.1
{
  "amount": 1200.00,
  "currency": "EUR",
  "route": "auto",
  "reconcile": true
}→ 201 Created · routed via ACQUIRER A · webhook sent
03 · How it works

From your systems to the banks — through one API

Business systemsERP · Marketplace · SaaS
ZIN FinTech APIrouting · ledger · webhooks
Banks & payment providersrails · accounts · payouts
Analytics & controlreal-time · forecasts · audit
STEP 01

Connect

Plug your ERP, marketplace or product into one documented API — sandbox access in minutes.

STEP 02

Route

Each payment is routed across connected banks and providers with policy-based logic and automatic failover.

STEP 03

Settle & reconcile

Transactions settle with automatic matching and a full audit trail — no spreadsheets.

STEP 04

Analyze & control

Teams monitor flows in real time and forecast liquidity from a single console.

The ZIN console

Illustrative · synthetic data
Payment volume · today
0 M
Success rate (target)
0 %
Active routes
0
Automated reconciliation
0 %
Payment volume · 14 days
Integrations
Bank connector ALIVE
SEPA railLIVE
Card PSPSANDBOX
FX moduleLIVE
ERP syncSCHEDULED
IDOperationAmountCCYStatus
04 · Advantages

Built for operational leverage

01

Single API for financial operations

One integration covers payments, balances, FX and reporting.

02

Faster bank integrations

Connector-based onboarding — weeks instead of quarters (target).

03

Automated reconciliation & reporting

Matching rules and audit trails remove manual work.

04

Scalable cloud architecture

Elastic infrastructure designed for high transaction throughput.

05

Multi-bank & multi-currency

Operate across banks, currencies and geographies from one layer.

06

Real-time control

Live status of every payment, balance and integration.

05 · ROI calculator

Model the efficiency of one integration

Move the sliders — every input feeds the projection. Outputs are illustrative targets, not financial forecasts.

€ 8.0 M
25 000
0.5 min
4
Total estimated annual benefit
€ 0
Manual hours saved / month
≈ 0 hrs
Payment routing savings / year
€ 0
Bank integration time
≈ 12 months≈ 6 weeks
Unified cash visibility
0 %
Illustrative projection. Assumptions: 80% reconciliation automation (internal target), €45/h fully-loaded ops cost, routing optimisation 0.1–0.3% of processed volume (projection), 3 months per traditional bank integration — internal targets, not market data.
06 · Business model

Revenue that scales with payment volume

For investors: a compound model combining SaaS subscriptions with usage-based economics.

STREAM 01

Platform subscription

Tiered SaaS plans for the orchestration and treasury core.

STREAM 02

Volume-based fees

Per-transaction pricing aligned with processed volume.

STREAM 03

Enterprise agreements

Custom terms, SLA and dedicated support for large deployments.

STREAM 04

API & analytics add-ons

Premium modules for embedded finance and advanced reporting.

Detailed unit economics and projections are shared in investor materials.
07 · Market potential

Where ZIN plays

Corporate payments

Payables, receivables and payroll flows for mid-to-large enterprises.

Embedded finance

Financial services inside SaaS products and platforms.

Treasury automation

Cash positioning, forecasting and liquidity control.

Fintech API infrastructure

The rails behind neobanks, PSPs and financial applications.

Platforms & marketplaces

Split payments, payouts and seller settlements.

Bars show relative product focus — illustrative. Market sizing appears only with verified sources in the investor deck.
08 · Team

Operators behind the platform

Henrik Dahl, CEO and Founder of ZIN FinTech

Henrik Dahl

CEO & Founder

15+ years in corporate payments and banking technology; led product and platform initiatives at enterprise scale.

Norway · Oslo
Mira Kovač, CTO of ZIN FinTech

Mira Kovač

CTO

Distributed-systems engineer; designed high-throughput transaction backends and API platforms.

Croatia · Zagreb
Giulia Romano, Head of Product of ZIN FinTech

Giulia Romano

Head of Product

Product leader focused on B2B financial workflows, developer experience and adoption.

Italy · Milan
Javier Ortega, Head of Business Development of ZIN FinTech

Javier Ortega

Head of Business Development

Go-to-market and partnerships across payments, banking and SaaS ecosystems.

Spain · Madrid

Building the financial operating system for modern business.

Talk to us about a pilot, a partnership or an investment.

Legal

ZIN FinTech Ltd — a technology company providing B2B software infrastructure.