Zeta Unicorn Investor

A modern, cloud-native platform that lets financial institutions improve speed to market, agility, cost-to-income ratio, and user experience without replacing legacy systems.

Zeta's application-programming-interface-ready credit processing network enables issuers to jointly launch credit cards with partners like Mastercard, including instant KYC, verification, and instant digital card issuance.

10 banks and 25 fintechs spread across eight countries, including HDFC Bank, Kotak Mahindra Bank, Axis Bank, IndusInd Bank, Yes Bank, RBL Bank, and SBM Bank India.

Sodexo's Benefits & Rewards Services business, serving over 100 million consumers globally, partners with Zeta to enhance employee benefits experiences.

For banks and fintechs that don't want to run card operations in-house, Zeta provides specialist teams pre-trained to manage end-to-end servicing — an outsourced, SLA-backed relationship model rather than pure self-service software.

Zeta maintains a dedicated professional-services arm, Zeta Studios, that builds bespoke software for individual financial-institution clients on top of its core platform — a high-touch, co-creation relationship beyond off-the-shelf licensing.

Zeta explicitly frames its client relationships as long-term business partnerships rather than transactional vendor sales, positioning itself as embedded in a bank or fintech's growth rather than a one-off software supplier.

Zeta engages banks and fintechs directly rather than through resellers, with its own teams based in the US, Middle East, and Asia handling sales and delivery to issuers in each region.

Under a five-year partnership, Zeta and Mastercard jointly go to market to launch credit card programs with issuers worldwide on Zeta's API-ready processing network, letting Zeta reach new bank and fintech customers through Mastercard's existing issuer relationships.

Zeta reaches US retail banks and credit unions through sponsored whitepapers and recorded webinars, such as "The Future of Cards is Now" and "The 4 Stages of Card Program Maturity," hosted on the Consumer Bankers Association's site, a trade association for the retail banking industry.

Zeta's platform has powered 25M+ cards in market across 7 countries live, covering instant issuance, real-time app updates, and hyper-personalized rewards.

Zeta provides credit and debit card issuer processing, BNPL, core banking and mobile experiences to banks and fintechs.

Zeta's core resource is its own cloud-native, fully API-enabled software stack spanning processing, issuing, lending, core banking, fraud, loyalty and digital banking apps — proprietary infrastructure it licenses to clients rather than reselling third-party systems.

Tachyon is Zeta's proprietary next-generation card-processing engine — the core technical asset that other Zeta products, such as its Selene support agent, integrate with for real-time processing and data access.

Selene is Zeta's own generative-AI assistant, built with enterprise-grade security and banking-grade hallucination prevention, that issuers can deploy to automate cardholder support — a proprietary AI asset layered on top of Zeta's platform.

Zeta's human capital is concentrated in engineering and product: over 1,700 employees, more than 70% of them in technology roles, spread across the US, Middle East, and Asia.

Five-year global partnership under which Zeta and Mastercard jointly launch credit cards with issuers worldwide on Zeta's API-ready credit processing network, with Zeta gaining access to Mastercard's Digital First and Fintech Express programs.

Strategic minority investor and partner combining Zeta's technology with Sodexo's expertise in Employee Benefits Services to enhance the overall Employee Experience.

SoftBank Vision Fund 2 led Zeta's $250 million Series C, with Munish Varma of SoftBank Investment Advisers stating Zeta's modern platform will drive banking software upgrades for digital consumers.

Zeta offers API services to create banking and payment products for deposits, lending, payments, credit card issuance and transaction management, generating revenue from banks and fintechs using its platform.