A zero-knowledge identity, credential, and verifiable data platform for regulated financial services.

Turn KYC, AML, credit, and transaction-monitoring checks into regulator-ready cryptographic proofs instead of document uploads or raw database exports. Built on open standards and a privacy-first, PoneglyphDB-inspired architecture, Zakapi lets banks and fintechs run SQL-style policies over committed ledgers and customer data, produce non-interactive proofs that the right checks ran on the right, up-to-date database, and onboard customers, share risk signals, and power open banking without hoarding sensitive personal or financial data.

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Meet the financial identity & verifiable data layer

Streamlining compliant digital onboarding

This is a zero-knowledge identity layer for banks and fintechs. It turns KYC and ongoing customer checks into fast, privacy-respecting proof requests instead of document uploads. Customers share reusable digital credentials from their wallets, and you verify eligibility, risk status, or credit signals without seeing raw data. This reduces data exposure and review costs while supporting secure, user-friendly open banking experiences.

Identity & verifiable data layer
Zakapi is a zero-knowledge identity and verifiable data layer for banks and fintechs. It turns KYC, AML, and ongoing customer checks into fast, privacy-preserving proof requests instead of document uploads, CSV extracts, or ad hoc SQL runs on live systems. Customers share reusable digital credentials from their wallets, while your backend expresses eligibility, risk, and credit rules as SQL-style policies over cryptographically committed customer and transaction datasets. Zakapi then produces non-interactive zero-knowledge proofs that those policies were executed correctly on the right, up-to-date database, so you can verify eligibility, risk status, or credit signals without ever seeing raw data—cutting data exposure and review costs while still delivering secure, user-friendly open banking experiences.

Transform onboarding instantly

Turn customer onboarding and due diligence into a proof-based flow, not a document chase. Express KYC, AML, and risk policies as SQL-style rules over your committed customer and transaction databases; Zakapi then generates non-interactive zero-knowledge proofs that those checks were executed correctly on the right, up-to-date data. The result is streamlined onboarding, stronger security, and unmatched privacy—setting a new standard for compliant financial technology.

Banking & Fintech

Banks and financial services operate under strict KYC, AML, sanctions, and data protection rules. Onboarding is expensive and slow, fraud pressure is constant, and regulators expect both strong controls and clear evidence. At the same time, customers demand instant digital sign-up and privacy.

Zakapi for Banking & Fintech

Zakapi delivers privacy-preserving, proof-based compliance. Instead of collecting and storing piles of documents, you express your KYC/AML and risk policies as SQL-style rules over committed customer and transaction databases. Zakapi then generates non-interactive zero-knowledge proofs that those rules were executed correctly on the right, up-to-date data—while customers share only reusable credentials from their wallets.

One-Click, Proof-Backed KYC

Offer “Verify with Zakapi” during onboarding instead of document uploads. The user scans a QR or clicks a link, unlocks their Zakapi wallet, and approves a KYC proof. Behind the scenes:

Your existing KYC provider or government eID verifies the user once.
A credential like “KYC passed on [date] by [BankName]” is issued.
Zakapi binds this credential and your SQL-style KYC and sanctions checks to a non-interactive proof tied to a cryptographic commitment of your compliance database.

You receive an instant, mathematically verifiable “KYC completed & not on sanctions list” result—no raw personal data, no bulk database exports—cutting onboarding from days to seconds.

Reusable Digital Identity & Portable KYC

With user consent, a KYC check done once can be reused across banks, brokers, and fintech apps:

Bank A issues a “Verified Customer” credential plus a proof that its internal KYC/AML SQL rules were satisfied against its own committed records.
Fintech B verifies a non-interactive proof derived from that credential and those policies—without seeing Bank A’s underlying data or re-running the checks.

Zakapi acts as the verifiable glue layer, turning prior KYC into portable, regulator-ready proofs instead of repeated data collection.

Selective Financial Credentials & Policy-Aware Proofs

Lend faster and more safely using threshold proofs, not full financial dossiers:

Ask for a proof that “Credit score ≥ 700” from a credit bureau credential, not the exact score or full report.
Verify income is within a range or above a threshold using proofs derived from payroll/tax datasets queried via SQL-style policies over committed records.
Confirm asset ownership or AUM bands without revealing full portfolio composition.

Zakapi’s PoneglyphDB-inspired approach lets you encode these checks as range checks, aggregations, and joins in ZK circuits, so you see only the fact that the policy is satisfied—not the raw numbers.

Frictionless Login & Strong Customer Authentication (SCA)

Zakapi can serve as an identity provider for passwordless login and SCA:

Customers log in by scanning a QR or using mobile intent with their Zakapi wallet.
The wallet presents a verifiable credential proving account ownership, backed by a ZK proof that internal account-linkage rules (e.g., device, risk, history) were checked against your committed data.
This combines something the user has (wallet + private key) and something they are (biometric unlock), satisfying PSD2/SCA while avoiding weak SMS OTP and clunky hardware tokens.

ZK-Backed AML, Sanctions & Risk Checks

Zakapi automates AML and risk screening with provable workflows:

Your orchestration layer calls providers like Dow Jones, World-Check, or local FIU lists.
Screening outcomes (e.g., “no sanctions match as of [date]”) are turned into verifiable attributes and bound to a committed compliance database.
Every onboarding or periodic review produces a non-interactive proof that:
Sanctions, PEP, and other rules were executed as specified (SQL-style policies), and
The result was “cleared” or “requires review” at that time.

Auditors and regulators can later re-verify these proofs from logs or caches, without access to production data or re-running the checks.

Privacy-Preserving Open Banking & Data Sharing

Open banking often forces institutions to expose far more data than third-party apps actually need. With Zakapi:

A budgeting app receives proofs like “stable monthly income ≥ X for the last 6 months”, derived from ZK-verified aggregations over transaction tables, not the raw statements.
A lending app asks, “Does this customer have at least 2 years of active credit history and no recent delinquencies?” and gets a yes/no proof tied to your committed credit dataset—not a full credit report.

Banks and fintechs can participate in data sharing ecosystems without leaking sensitive data, making privacy a feature instead of a liability.

Regulator-Ready, Verifiable Compliance

Zakapi’s design is aligned with global financial regulations and supervisory expectations around data minimization, auditability, and model transparency:

Every KYC/AML/credit decision can generate an evidence pack: a non-interactive proof, the policy identifiers (your SQL-style rules), timestamps, and issuer identities.
Regulators or internal audit teams can independently verify proofs using public keys and commitment hashes, confirming that policies were applied correctly on the authentic, up-to-date dataset—without ever seeing the customer’s PII or your raw tables.

This shifts compliance from “trust us, we logged it” to “verify it directly in math”, easing audits and strengthening your supervisory relationships.

Value Proposition for Banking & Fintech

Onboard more customers, faster – Replace manual document review with instant, reusable, proof-based KYC and risk checks.
Shrink data honeypots – Hold fewer sensitive documents and raw datasets; rely on proofs over committed data instead of centralizing everything in one breach-prone store.
Lower verification costs – Automate checks as ZK-verifiable policies, reduce repetitive KYC, and cut third-party re-screening overhead.
Use privacy as a competitive edge – Offer “we don’t see what we don’t need” as a core brand promise to customers and regulators.
Exceed compliance expectations – Move from opaque, log-based assurance to cryptographically verifiable KYC/AML operations, aligned with emerging best practice in regulated finance.

Unlock key capabilities text for Banking & Fintech

Access reusable verified identities, accelerate provably-compliant account opening, and shrink the volume of sensitive data you store. Zakapi lets banks and fintechs run KYC, AML, and risk policies as SQL-style checks over cryptographically committed datasets, returning non-interactive zero-knowledge proofs instead of documents improving customer experience while cutting fraud, operational cost, and audit effort.

Reusable verified identity

Utilize portable digital KYC credentials backed by non-interactive proofs, so customers reuse a single verified identity across products and brands while you verify that underlying KYC policies were satisfied on authentic, up-to-date data—without re-collecting documents or re-running full checks.

Faster, provable account opening

Expedite onboarding with one-click KYC presentations and automated AML/sanctions screening encoded as SQL-style policies. Zakapi generates reusable proofs that these policies were executed correctly over your committed compliance databases, turning days of manual review into seconds while preserving a regulator-verifiable audit trail.

Reduced data storage and liability

Replace stored PDFs, scans, and raw exports with compact cryptographic proofs tied to committed datasets. By holding less personal and financial data at rest—and relying on verifiable, non-interactive proofs instead—you reduce breach impact, simplify data protection obligations, and lower long-term compliance and storage risk.

Discover the process

See how banks and fintechs can verify customers and run complex risk policies without ever handling raw documents or replaying database queries for auditors. Zakapi turns KYC, AML, and credit checks into reusable digital credentials plus non-interactive zero-knowledge proofs over cryptographically committed datasets, so institutions stay compliant while customers keep control of their data. Experience faster onboarding, lower risk, and privacy-first, SQL-style verification.

Customer proof

Customers share a signed proof from their Zakapi wallet showing that KYC, income, residency, or credit criteria are satisfied. Behind the scenes, those conditions are encoded as SQL-style policies over verified data sources, but the verifier only sees a compact, non-interactive zero-knowledge proof—not the underlying documents or raw records.

Compliance checks

The bank automatically validates the proof and checks that it is tied to the correct, authenticated database commitment, then runs additional sanctions and AML screening as SQL-style queries over internal or third-party datasets. Zakapi returns a verifiable “passes policy / meets threshold” result with a reusable proof, so regulators can later confirm that the right checks were executed on the right data without re-accessing production systems.

Efficient approach

Fraud, manual review time, and stored sensitive data all drop, while approval rates, customer experience, and audit-ready evidence improve. Every verification yields a non-interactive proof that can be cached, re-used with other relying parties, and independently re-verified—turning compliance from a paperwork burden into a mathematically provable process.

Reap the advantages

Reduce fraud, accelerate digital onboarding, and shrink the amount of sensitive data you store. Stay ahead of global KYC/AML and data-protection rules while enabling privacy-first open banking experiences. Turn compliance into a competitive advantage backed by non-interactive, SQL-style zero-knowledge proofs instead of manual checks and screenshots.

Reduced fraud

Catch synthetic identities and account takeovers using cryptographic proofs tied to authenticated, committed datasets; instead of screenshots, PDFs, or easily forged documents.
Faster review times

Replace manual document checks and repeated database lookups with instant yes/no, non-interactive proofs, so teams approve accounts in seconds, not days, while still meeting internal policy and regulatory thresholds.
Minimized data liability

Hold far less raw PII and financial data. Replace stored documents and mirrored databases with reusable proofs bound to the original data source, reducing honeypots, breach impact, and data-protection overhead.
Global regulatory compliance

Align with KYC, AML, GDPR, and similar frameworks by using verifiable, time-stamped evidence for every check. Regulators and auditors can independently re-verify proofs without re-running queries on production systems.
Privacy-focused open banking

Enable secure, privacy-preserving financial interactions by letting customers share proofs about income, credit history, or eligibility instead of exposing full account or transaction histories.
No sensitive document hoarding

Eliminate the need to store passport scans, bank statements, and utility bills. Keep only compact, cryptographic proofs and policy logs, while the underlying data stays with the original issuers or in tightly controlled, regulated databases.

Focus on banks and fintechs

Built specifically for regulated financial institutions and digital-first fintechs. Tackle KYC/AML obligations, cut onboarding friction, and turn privacy-preserving identity and verifiable data checks into a growth driver. Zakapi lets you adapt proof templates to your own risk policies, channels, and SQL-style checks over core banking, ledger, and risk databases—without exposing raw records.

Compliance

Prove KYC/AML and conduct checks with cryptographic evidence derived from non-interactive, SQL-aware zero-knowledge proofs. Show that screenings, thresholds, and watchlist queries were run correctly on the right, up-to-date datasets while meeting global regulations and data-minimisation rules.

Efficiency

Reuse verified digital identities and database-backed eligibility proofs to open accounts, run periodic reviews, and approve customers in seconds instead of days—no repeated document collection, no re-running the same queries across silos.

Customer experience

Give users one-tap verification and passwordless login, backed by wallet-held credentials and zero-knowledge proofs. Deliver a secure, privacy-first banking experience where customers share math-backed answers, not copies of their financial lives.

Build a provable financial future.

ZAKAPI is the institutional-grade partner for banks and fintechs that need to launch compliant, privacy-preserving digital onboarding, identity, and data verification across markets. We provide the zero-knowledge infrastructure, reusable KYC credentials, and SQL-aware, non-interactive proof services required to convert every sensitive check—whether wallet-based or run over your core banking and risk databases—into a portable, regulator-ready cryptographic proof. The result: lower fraud and review costs, supervisors satisfied with auditable evidence instead of screenshots, and faster, safer financial experiences for every customer.

ZAKAPI LLC

65 BROADWAY, NEW YORK, NY 10001
hello@zakapi.com
+1 (347) 680-0811

Faster KYC, zero data drag.