The universal identity layer
for financial accounts.
Handles give every account a simple, human-readable identifier that works across banks, fintechs, and platforms. Customers can send, receive, and pay using a handle instead of sharing account numbers, card details, or wallet information.
Universal
A single handle works across all participating institutions.
Private
Handles don't expose any sensitive information about the account holder.
Memorable
Handles are short, human-friendly, and easy to remember.
We don't replace anyone
We connect everyone
Every handle belongs to a regulated institution, which remains responsible for identity, compliance, and customer relationship.
One API unlocks instant connectivity between participating banks, wallets, fintechs, and merchants.
Built for reliability with real-time transfers, signed webhooks, idempotency, and developer-first APIs.
Made for every side
of the network.
One integration.
Infinite connectivity.
Connect your institution to every participant on Zelkea. Create handles, authenticate accounts, move funds, and receive real-time settlement events without building individual integrations.
One integration.
Every customer.
Accept payments from customers across the network. They pay through the financial apps they already trust, using simple handles instead of long and sensitive cards or account details.
Distribute funds
at the moment of purchase.
Split every customer payment at the source. Keep your commission, deliver funds to sellers and partners instantly, and remove the need for custom payout infrastructure.
{
"customer": "tim@mywallet",
"amount": 100,
"currency": "USD",
"code": "3M9K7L",
"splits": [
{ "handle": "shop@ca", "amount": 90 },
{ "handle": "marketplace@us", "amount": 10 }
]
}