zybraTalk to our team The settlement network for emerging-market trade
Move money into the world's hardest corridors. Instantly.
Zybra connects licensed FX and payout operators with businesses that need to move money across borders. Ask for a quote on WhatsApp, Telegram, the dashboard or API. Operators compete on firm rates. You get confirmation when payout lands.
through licensed operators
What is Zybra
A payment network for trade corridors where FX and payouts are messy.
Paying a supplier in Lilongwe or Lagos usually means finding a desk, negotiating a rate over chat, and waiting to see if the money arrives.
Zybra sends each request to licensed operators who compete on firm, all-in quotes. Screening and local payout stay with the regulated institution that wins the RFQ.
See how it worksHow Zybra is built
01 / 03RFQ Layer
Each payment request goes to several licensed operators at once. They compete. You get a firm, executable rate, not a soft indication.
Regulatory Layer
Operators are licensed in the markets they serve and KYB-checked by Zybra before they join. Compliance sits with the executing institution.
Settlement Layer
Payouts run over fiat and stablecoin rails with delivery confirmation. No pre-funded nostro accounts. No long correspondent chains.
The Zybra network
Operators run the rails.
Businesses send the payments.
Made for licensed desks that want more flow, and for companies that need reliable payouts into emerging markets.
Network operators
If you already hold the licence, bring the volume to you.
Stablecoin platforms, exchange houses, forex bureaus and OTC desks handle custody, FX and payout in their markets. Zybra sends them payment requests they would not see on their own.
Join as an operatorNetwork participants
Send payments without becoming a money transmitter.
Importers, payroll tools, remittance apps and treasury teams connect by chat or API. You get regulated execution across corridors without holding a financial licence yourself.
Talk about participatingExample payment
USD to MWK for a fuel invoice.
No rate shopping.
No guessing on compliance.
01 / 04
Request
A fuel importer texts the Zybra agent on WhatsApp or Telegram: “need to pay $250k to Lilongwe, fuel invoice attached.” The agent turns that into an RFQ. Same request works over the API.
Built with the ecosystem
Companies we work with across rails, capital and infrastructure.
Network operators
You already have the licence.
We bring the payment flow.
Keep your local accounts and payout setup. Zybra sends institutional payment requests your way.
Stablecoin platforms
Run compliant on- and off-ramps in the markets where you already hold licences.
Exchange houses & forex bureaus
Get institutional payment requests routed to your desk, at prices you set.
OTC & FX desks
Put idle corridor liquidity to work against real trade payment demand.
Network participants
For companies that pay into Africa and other emerging markets.
Trade & import payments
Pay suppliers in Naira, Kwacha, Shilling and more without shopping rates desk by desk.
Fuel & energy
Settle fuel invoices in markets where hard currency is scarce, with firm delivery timelines.
Payroll & payouts
Pay staff and contractors in local currency across 20+ markets from one workflow.
Remittance platforms
Source corridor liquidity through competing RFQs instead of a single provider spread.
Corporate treasury
Handle FX, payouts and reconciliation for emerging-market suppliers in one place.
Fiat and digital rails
Bank rails and stablecoins,
same payment flow.
Fiat rails
Local bank transfers, mobile money and national payment schemes, run by operators licensed in each country.
Stablecoin rails
Stablecoin settlement on Base when that is the faster path, always tied back to fiat delivery records.
Ways to connect
Chat when you need speed.
API when you need scale.
Higher volume? Use the Terminal API.
- RFQ endpointRequest quotes and receive competing firm rates in seconds.
- Payment orchestrationAccept, track and reconcile from one integration.
- WebhooksEvents for quotes, execution and delivery.
- SandboxTest against a production-like environment before go-live.
{
"source_currency": "USD",
"destination_currency": "MWK",
"amount": 25000,
"purpose": "fuel_import"
}Security & compliance
Licensed operators. Screened payments. Clear records.
Each operator is licensed in its markets and KYB-checked before it can take RFQs. The executing operator screens the payment under its own regulatory duties.
Zybra keeps the trail: quotes, acceptance, and delivery confirmation, exportable for your compliance team.
What's next
Interdesk liquidity,
on the same network.
Desks often end the day long one currency and short another, then rebalance bilaterally off-network. The Zybra Liquidity Marketplace will let licensed operators post and take inventory against each other, with clearer price discovery on corridor liquidity.
Start a conversation
Need a corridor covered,
or want to settle the flow?
If you run a licensed FX desk, or you need reliable payouts into emerging markets, get in touch.
Become an operator