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.