Fintech
Own your Fintech Rails
Stop renting legacy infrastructure. Prividium™ offers modern, low-cost, and programmable rails designed for the speed, scale, and profitability of the next generation of fintech.
Prividium™ - Modern, low-cost, programmable rails for the Fintech era
Prividium™ empowers fintechs to stop being renters and start being owners. It is a customizable, private, and interoperable settlement network designed specifically for financial institutions. Instead of adapting your product to fit constrained legacy pipes, Prividium™ gives you:
Complete Control
Control your destiny and improve products from Day 1
Interoperability
Shared liquidity with Ethereum L1 and full access to the EVM developer ecosystem
Risk Reduction
True atomic settlement across institutions
Why Legacy Rails Are Holding You Back
Fintechs are competing to improve the money movement experience, yet most rely on infrastructure built for a pre-digital world
The Hidden Cost of "Renting" Infrastructure
Whether you are a neobank, PSP, or remittance app, relying on outdated middlemen (Card networks, SWIFT, Correspondent banks) creates a ceiling on your growth.
$172B
Paid by U.S. merchants in processing fees in 2023
(Nilson Report)
3.6%
Average global cost of cross-border payments
(World Bank)
1-3 Days
Average settlement time for global flows
(SWIFT GPI)
Risk
Record operational outages across banks and processors in 2024
(S&P Global)
What You Can Build with Prividium™
Real-time payments, settlement infrastructure
Shift from being a renter of legacy rails to an owner of your own infrastructure.
The Bottleneck:
High Fees & Slow Finality
Legacy payment rails are eroding your margins. Traditional card networks charge 1-3% in fees, while outdated banking processes involve multiple middlemen, forcing T+1 to T+3 settlement times.
- Costly Prefunding: Even "instant" services often require expensive liquidity & pre-funding accounts.
- Vendor Lock-in: Fintechs remain dependent on slow, rented architecture they cannot control.
The Solution:
Private, Custom Settlement Layers
Build your own rails with ZKsync. Prividium™ demonstrates how fintechs can deploy a private, customizable settlement network on ZKsync.
- Atomic Settlement: Achieve finality in seconds, not days.
- Programmable Moneyflows: Automate complex payouts with smart contracts.
- Throughput at Scale: A dedicated, always-live environment with low-cost transactions.
Why Fintechs Win on ZKsync
95%+ Cost Reduction
Bypass traditional rails to drastically lower transaction fees.
Near-Instant Payouts
Deliver a superior user experience with fast finality.
Higher Profitability
Retain more margin per transaction, even while lowering costs for users.
Global-First Launch
Deploy borderless payment products without regional banking friction.
From Renters to Owners
Fintechs that own their rails gain a modern financial operating system to power years of innovation. By removing the dependency on legacy providers, you unlock a new tier of operational efficiency:
Move Faster
Launch superior products without waiting for vendor roadmaps
Operate Cheaper
Bypass rent-seeking intermediaries to radically lower costs
Build Moats
Create defensible value at the infrastructure layer