Live Ziya, our AI call & chat agent, is live talk to her on a real loan-servicing call Try the demo
ZyroAI by ZYRO Sovereign AI, built & hosted in India

India's payment rails,
run sovereign.

A cloud UPI switch, an IMPS switch and TPAP rails for banks, NBFCs and fintechs. Lending, KYC, fraud defence and AI agents run on the same stack, hosted in India.

Book a demo Explore the platform
ZiyaTalk to Ziya live — our AI call & chat agent
Built around RBI · NPCI · DPDP 100% India hosted
9:41
ZyroBank · AI agent
Ziya
calling…
Ziya
Ziya: Namaste Rahul ji, ZyroBank se.Rahul: Haan boliye.Ziya: EMI ₹4,500 due hai. Friday theek rahega?Rahul: Haan Friday.
PROMISE-TO-PAY CAPTURED
mutekeypadspeaker
9:41
Verify your identityStep 1 of 4
RAHUL SHARMAABCDE1234F
Document captured
Details read & matched
Aadhaar OTP verified
Face match & liveness
Verifying…
UPI Switch · Ops consoleSANDBOXNPCI link up
Txn / sec0
Approved—RC 00 share
p95—ms PSP ↔ NPCI
Pending0ReqChkTxn
TimeTypeRRNPayer → PayeeAmountRCms
ReqHbt — OK
9:41
Set up UPI
Your app, running on ZyroAI's TPAP rails
Device boundSMS · ••••983
Banks listedReqListAccPvd
Account linkedReqListAccount
Debit card verifiedlast 6 + expiry
UPI PIN setReqSetCre
YOUR UPI ID
rahul@zyroReady to pay and receive on any UPI app
Sponsor bank + PSP handled by ZyroAI. You ship the app.
Sentinel · risk console● LIVE
SCORED / SEC
0
HELD
0
MEDIAN
40ms
#9422 UPI · QR · ₹2,400 CLEARED
#9421 Card · velocity spike REVIEW
#9420 Device mismatch HOLD
Reasons attached to every verdict EXPLAINABLE
Loan Management · pipeline● LIVE
IN PIPELINE
0
DISBURSED TODAY
0
DUE THIS WEEK
0
LN-4471 Application received STAGE 1
LN-4468 Underwriting IN REVIEW
LN-4459 Disbursed ₹2,50,000 RELEASED
LN-4402 EMI schedule running ON TRACK
Speech Analytics · call #8127● ANALYSING
Transcription complete DONE
Mandatory disclosures present PASS
Sentiment dipped at 2:41 FLAG
Coaching note generated SENT
IMPS Switch · NFS gatewaySANDBOXNFS link up
Msgs / min0
Approved—DE 39 = 00
Deemed0RC 91, verifying
Reversals00420 / 0430
ISO 8583 decode MTI 0210
Echo 0800/0810 — OKT+1 TAT tracked
Live simulation. Talk to Ziya for real →

ZyroAI builds the rails Indian money moves on. UPI switch, IMPS switch, TPAP — plus the loans, customer checks, fraud defence and AI agents that run on top of them.

The ZyroAI Product Cloud

Eight products. One foundation.

Composable, AI-native building blocks. Deploy what you need, when you need it.

Payments

UPI Stack

Lets a bank accept and send money on UPI.

Modern payment infrastructure for acquiring, issuing, and transaction processing.

Explore product Payments

IMPS Stack

Moves money instantly, 24×7.

Real-time money movement infrastructure built for speed and reliability.

Explore product Fraud Intelligence

ZyroAI Sentinel

Stops fraud before the money moves.

AI-powered fraud prevention and financial-crime intelligence with explainable, real-time risk scoring.

Explore product Lending

Loan Management

Runs a loan from apply to fully repaid.

End-to-end lending operations (origination to collections) on a single platform.

Explore product Identity

Digital KYC

Verifies a new customer in minutes, not days.

Fast, compliant, and secure customer onboarding with OCR, face match & liveness.

Explore product AI Experience

Voice AI Agents

An AI agent that phones your customers.

Ziya calls out and picks up, in the language your customer answers in.

Explore product AI Experience

WhatsApp AI Chatbot

An AI agent that chats on WhatsApp.

Automated customer engagement on the world's most-used messaging platform.

Explore product Call Intelligence

Speech Analytics

Listens to every call and flags problems.

Every customer call transcribed and scored for compliance, sentiment and agent quality.

Explore product
Built for your industry

One platform, deployed for how you operate.

From regulated banks to fast-moving fintechs — ZyroAI adapts to the institutions moving India's money.

Banks

Modernize core payments, lending, and fraud on sovereign, compliance-ready infrastructure.

UPIIMPSSentinel

Fintechs

Launch and scale digital products fast with composable, AI-native building blocks.

UPIKYCWhatsApp AI

NBFCs

Digitize the full lending lifecycle. Onboarding to collections and portfolio.

LoansKYCVoice AI

Enterprises

Automate engagement, compliance, and risk across high-volume operations.

WhatsApp AIVoice AISentinel
SOLUTION SUITES

Buy the outcome, not the parts.

Our products are built to work together. Start with the suite that matches your problem.

Collections Suite

Recover more, spend less — AI calls, every conversation analysed, every loan tracked.

Onboarding Suite

Minutes to a verified customer — KYC, risk screening and WhatsApp journeys in one flow.

Payments Suite

Rails plus a risk brain — UPI and IMPS movement with pre-settlement fraud scoring.

Built for environments where compliance is non-negotiable
RBI Reserve Bank
NPCI UPI & IMPS
DPDP Act Data protection
AML / PMLA Financial crime
CKYC Central KYC
Developer First

Built <for developers, by developers>

One unified API surface across all eight products — consistent auth, idempotent requests, real-time webhooks, and SDKs that feel native to your stack.

IntegrationsSDKs, plugins & platform connectors API ReferenceEvery endpoint, fully documented WebhooksReal-time events for every transaction
risk-score.sh
# Score a transaction in real time
curl -X POST https://api.zyroai.com/v1/risk/score \
  -H "Authorization: Bearer $ZYRO_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "txn_id":   "TXN-90412",
    "amount":   125000,
    "channel":  "UPI",
    "explain":  true
  }'

# → { "risk": 0.93, "verdict": "BLOCK",
#     "reasons": ["velocity_spike","device_mismatch"] }

Zyro AI kya hai?

Zyro AI (ZyroAI, zyroai.com) ek Indian AI aur payments-infrastructure company hai, ZYROAI LABS PRIVATE LIMITED, jo ZYRO group ka hissa hai. Ye banks, NBFCs, fintechs aur enterprises ke liye UPI/IMPS switch, loan management, digital KYC, fraud defence aur AI voice aur WhatsApp agents banati hai. Hostinger ke Zyro website builder se iska koi lena-dena nahi. Poora jawab

Quick answers

Zyro AI kya hai?

Zyro AI (ZyroAI, zyroai.com) ek Indian AI aur payments-infrastructure company hai, ZYROAI LABS PRIVATE LIMITED. Ye banks, NBFCs, fintechs aur enterprises ke liye UPI/IMPS switch, loan management, digital KYC, fraud defence aur AI voice aur WhatsApp agents banati hai. Ye ZYRO group (zyro.in) ka hissa hai.

ZyroAI क्या है?

ZyroAI एक भारतीय कंपनी है जो बैंकों, NBFC और फिनटेक के लिए AI और पेमेंट इंफ्रास्ट्रक्चर बनाती है: UPI और IMPS स्विच, लोन मैनेजमेंट, डिजिटल KYC, फ्रॉड से सुरक्षा और AI वॉइस एजेंट। यह ZYRO ग्रुप का हिस्सा है।

Kya Zyro AI Hostinger ka Zyro website builder hai?

Nahi. Zyro website builder Hostinger ka product hai. ZyroAI (zyroai.com) alag Indian company hai jo banks aur NBFCs ke liye software banati hai, aur iska Hostinger se koi connection nahi hai.

Zyro kya hai?

India mein ZYRO (zyro.in) Noida ki fintech company hai jo businesses ke liye banking aur payments app chalati hai. Isi group ki AI company ZyroAI (zyroai.com) hai, jo banks, NBFCs aur fintechs ke liye software banati hai.

Build Faster. Operate Smarter.
Scale Securely.

See how ZyroAI's sovereign intelligence layer can power your payments, lending, compliance, and customer experience.

Book a demo Talk to sales