Build the future.
Secure the present.
ZyroAI is the sovereign AI platform powering modern payments, lending, identity, fraud prevention, and customer experience — so India's financial institutions launch faster, operate smarter, and scale securely.
Four layers. One sovereign stack.
Every capability runs on a single foundation — from infrastructure and compliance at the base, up to the AI experiences your customers touch.
Deep capabilities. Endless possibilities.
Five deeply integrated domains on one sovereign foundation. Pick a pillar to see it in action.
Launch and manage UPI & IMPS at enterprise scale
Real-time processing, reconciliation, and settlement built for reliability — acquire, issue, and move money across India's payment rails.
- UPI & IMPS stacks with smart routing
- Automated reconciliation & settlement
- NPCI-aligned, 24/7 availability
Digitize the complete lending lifecycle
From onboarding and underwriting to collections and portfolio management — one platform with AI risk assessment built in.
- Loan origination & automated underwriting
- AI risk assessment & collections
- Portfolio intelligence & reporting
Onboard customers in seconds, compliantly
AI-powered verification, document intelligence, and Video KYC with face match and liveness — fast, secure, and audit-ready.
- Digital KYC & CKYC with OCR
- Face match & liveness detection
- Video KYC & compliance workflows
Detect fraud before it happens
Real-time monitoring, behavioral analytics, AML controls, and explainable risk scoring that escalates only as danger rises.
- Real-time detection & AML monitoring
- Behavioral analytics & UEBA
- Explainable, auditable risk scoring
Human-like AI agents across every channel
Deploy intelligent voice and WhatsApp agents to automate support, engagement, collections, onboarding, and sales.
- Voice AI agents & WhatsApp automation
- Conversational, multilingual support
- Seamless human handoff
Seven products. One foundation.
Composable, AI-native building blocks — deploy what you need, when you need it.
ZyroAI Sentinel
AI-powered fraud prevention and financial-crime intelligence with explainable, real-time risk scoring.
Explore product PaymentsUPI Stack
Modern payment infrastructure for acquiring, issuing, and transaction processing.
Explore product PaymentsIMPS Stack
Real-time money movement infrastructure built for speed and reliability.
Explore product LendingLoan Management
End-to-end lending operations — origination to collections — on a single platform.
Explore product IdentityDigital KYC
Fast, compliant, and secure customer onboarding with OCR, face match & liveness.
Explore product AI ExperienceVoice AI Agents
Human-like voice interactions powered by enterprise AI for support & collections.
Explore product AI ExperienceWhatsApp AI Chatbot
Automated customer engagement on the world's most-used messaging platform.
Explore productOne 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.
Fintechs
Launch and scale digital products fast with composable, AI-native building blocks.
NBFCs
Digitize the full lending lifecycle — onboarding to collections and portfolio.
Enterprises
Automate engagement, compliance, and risk across high-volume operations.
Built in India. Ready for the World.
Powering the next generation of digital finance, intelligent operations, and AI-driven customer experiences.
Built <for developers, by developers>
One unified API surface across all seven products — consistent auth, idempotent requests, real-time webhooks, and SDKs that feel native to your stack.
# 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"] }
Built to be trusted in regulated India.
The principles the platform is engineered around — sovereign, explainable, and compliant by default.
Every workload runs on India-hosted, sovereign infrastructure — your data never leaves the country.
Every Sentinel risk decision ships with the reasons behind it — auditable and defensible to your compliance team.
KYC, lending, payments, fraud and CX share one data fabric — no vendor sprawl, no reconciliation gaps.
Engineered to align with RBI and NPCI frameworks from day one, not bolted on later.
Voice and chat agents that speak 22+ Indian languages, including code-mixed conversations.
Active-active, multi-DC architecture targeting 99.99% uptime, monitored 24×7.
Build Faster. Operate Smarter.
Scale Securely.
See how ZyroAI's sovereign intelligence layer can power your payments, lending, compliance, and customer experience.