Documentation Index
Fetch the complete documentation index at: https://docs.zuba.com/llms.txt
Use this file to discover all available pages before exploring further.
System Architecture
The Zuba Payment Platform is built around several core components that work together to provide comprehensive payment processing capabilities:🚀 Payouts Engine
Send money globally via SEPA, crypto wallets, and traditional banking networks with real-time tracking and compliance.
💳 Payment Acceptance
Accept payments through Open Banking, manual deposits, and various payment methods with instant settlement.
📊 Ledger System
Double-entry accounting system with multi-currency support, real-time balance tracking, and comprehensive audit trails.
🔌 Provider Network
Integrated network of payment providers, FX services, and custody solutions for optimal routing and rates.
Data Flow
Key Entities
Beneficiaries
Recipients of payouts with associated account information:- Personal information (name, email, address)
- Multiple accounts (bank accounts, crypto wallets)
- KYC status and compliance data
- Transaction history
Accounts
Payment destinations with specific details:- Bank Accounts: IBAN, SWIFT, routing numbers
- Crypto Wallets: Blockchain addresses and networks
- Mobile Money: Phone numbers and provider details
Transactions
All payment activities recorded in the ledger:- Payouts: Outbound payments to beneficiaries
- Payins: Incoming payments from customers
- Internal Transfers: Balance movements between accounts
- FX Transactions: Currency conversion records
Payment Flow States
Status Definitions
| Status | Description | Actions Available |
|---|---|---|
created | Payment created, awaiting queue | Cancel |
queued | Payment queued for processing | Cancel |
processing | Payment being processed by provider | View, Track |
paid | Payment successfully delivered | View, Receipt |
failed | Payment failed due to error | Retry |
cancelled | Payment cancelled by user/system | View |
Multi-Currency Support
The platform supports over 100 currencies with real-time conversion:- Fiat Currencies: USD, EUR, GBP, JPY, and more
- Stablecoins: Various USD and EUR-pegged tokens
Currency Conversion
- Real-time exchange rates from multiple providers
- Transparent fee structure
- Rate locking for large transactions
- Historical rate tracking
Compliance Framework
Built-in compliance features ensure regulatory adherence:KYC (Know Your Customer)
KYC (Know Your Customer)
- Identity verification for beneficiaries
- Document collection and validation
- Risk assessment and scoring
- Ongoing monitoring and updates
AML (Anti-Money Laundering)
AML (Anti-Money Laundering)
- Transaction monitoring and screening
- Sanctions list checking (OFAC, EU, UN)
- Suspicious activity reporting
- Transaction limits and controls
Regulatory Reporting
Regulatory Reporting
- Automated regulatory filing
- Transaction reporting for authorities
- Audit trail maintenance
- Data retention policies
Provider Integration
The platform integrates with multiple payment providers for optimal coverage:Payment Rails
- SEPA: European bank transfers
- SWIFT: International wire transfers
- Faster Payments: UK instant transfers
- ACH: US bank transfers
- Crypto Networks: Solana, Tron, etc.
Provider Selection
The system automatically selects optimal providers based on:- Destination country and currency
- Cost and speed preferences
- Success rates and reliability
- Compliance requirements
Security & Infrastructure
Data Security
- End-to-end encryption for sensitive data
- PCI DSS compliance for card data
- SOC 2 Type II certification
- Regular security audits and penetration testing
Infrastructure
- Multi-region deployment with 99.9% uptime SLA
- Auto-scaling based on demand
- Comprehensive monitoring and alerting
- Disaster recovery and backup systems
Getting Started
Ready to integrate? Here’s what you need to know:- Authentication: All API calls require valid API keys
- Webhooks: Set up endpoints for real-time notifications
- Testing: Use test API keys for development
The platform is designed to be developer-friendly with comprehensive APIs and detailed documentation for easy integration.