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Deposit and store funds

Stored value accounts

Zai’s stored value accounts allow businesses to deposit and store funds with us for an extended period of time and use our wallet-based ledger service to manage those funds.

So whether you’re a proptech holding real estate deposits; a crypto platform helping customers manage fiat funds after the disposal of a crypto asset; a remitter managing your balances, a fintech holding user funds for extended periods; or indeed any business looking to simulate a bank account functionality legally via a wallet-based alternative Zai is here to help.

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Store unlimited balances for indefinite periods

Features

Stored value accounts allow you to:

  • Link virtual bank account and PayIDs
  • Accept deposits via NPP, Direct Credit, Direct Debit, BPAY, PayTo & credit cards
  • Store unlimited balances in wallets for an extended period of time
  • Disburse funds to bank accounts
  • Instantly transfer funds between wallet accounts
  • Initiate 3rd party payments to suppliers, government agencies & employees
  • Enable BPAY payments for business bills and your customers’ bills
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Transfer and withdraw

Sub-wallet account structures

  • Create unlimited number of sub-wallets
  • Tailor the purpose and name of each sub-wallet account
  • Instantly transfer funds between wallets
  • Withdraw funds to bank accounts
  • Enable BPAY payments for business bills and your customers’ bills
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Reduce frequency and risk

Park funds to simplify treasury

Deposit much larger sums, less frequently to fund your disbursements:

  • Minimise time taken for reforecasting and maintaining balances
  • Reduce frequency of payins and costs
  • Remove the risk of managing fluctuating disbursements
  • Cover any disbursement funding, with a comfortable margin for error
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Create efficiencies and improved user experience

Transform your wallet CX

Embed collections, stored value and payout capabilities in one ecosystem:

  • Instantly transfer funds between a customer wallet account and yours
  • Reduce dropouts through allowing users to execute buy orders immediately
  • Allow your customers to hold funds, from top-ups and prior sells
  • Reduce the number and cost of pay-in payments
  • Eliminate time and effort of managing fund disbursements across multiple ecosystems
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Reduce de-banking risk

De-customer your bank

Embed collections, stored value and payout capabilities in one ecosystem:

  • Use the facility as your day-to-day operating account to receive, hold and disburse funds:
  • Mitigate the risk of being de-banked
  • Better manage your funds using sub-wallets
  • Minimise time taken for reforecasting and maintaining balances
  • Improve operational efficiency using multiple virtual accounts
  • Ability to pay staff and suppliers through various forms of disbursement

Get the insights you need to succeed

Learn more about the tools Zai gives you to drive your business goals.

Contact Sales