For fintechs · Early access
Keep your bank partner confident — without handing over customer data.
Your bank partner is accountable for your compliance program, so the evidence requests never stop. ZTZK proves your OFAC, BSA, KYC and Reg E controls on every transaction — and your bank partner checks the proofs themselves.
Partner-bank oversight
Fewer evidence requests. Faster partner reviews.
Whether you call it your bank partner or your sponsor bank, the relationship runs on evidence. ZTZK changes what that evidence is.
- Spreadsheets and recurring evidence requests
- Samples, reviewed after the fact
- Customer files shared to prove anything
- Reviews that stall launches and new products
- A signed proof for every transaction
- Checked by your bank partner, on their own
- Customer data stays in your systems
- Rule versions recorded for examiners
How it works
You prove it. Your bank partner verifies it.
- Your systemsTransaction runsOFAC, BSA, KYC and Reg E checks run inside your environment
- ProofResult signedOnly the proof leaves — no customer records
- Bank partnerProof verifiedChecked with public keys, on their side
- ExaminerRecord readyEvery proof names the rule version in force
What’s covered
The core of your compliance program.
- OFAC
- Sanctions screening for senders and recipients against current lists.
- BSA
- Currency transaction reporting thresholds and structuring patterns.
- KYC
- Verification level matched to transaction size, with refresh requirements.
- Reg E
- Disclosure before authorization, error resolution and unauthorized transfers.
- Fraud models
- Proof that the approved model version made each decision — model risk under SR 26-2 / OCC 2026-13. AI governance →
FAQ
Fintech questions, answered
Do we have to send our bank partner customer data?
No. Checks run in your own systems and your bank partner receives proofs. They can confirm OFAC, KYC and BSA checks passed without seeing the customer records behind them.
Will this reduce our bank partner’s evidence requests?
That’s the goal. Instead of answering requests with spreadsheets and samples, you give your bank partner proofs they can check on their own, as often as they like.
Can examiners see which version of a rule was applied?
Yes. Every rule is versioned and fingerprinted, and each proof records the exact rule in force when the transaction ran.
Does this replace our BSA officer or independent testing?
No. Your BSA officer still owns the program, and independent testing is still required. ZTZK gives them — and your bank partner — evidence they can verify instead of take on faith.
Does our bank partner need to use ZTZK too?
No. Verification uses public keys and works without a ZTZK account.
Request access
Give your bank partner proof, not paperwork.
We're onboarding a small number of fintechs. Tell us about your program and your bank partner, and we'll show you how the proofs work.
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