Zebec is a decentralized payments and infrastructure network that facilitates real-world value flows, enabling seamless, blockchain, and AI-powered applications for both traditional and digital economies.

Founded in 2021 and backed by $35 million in investments from leading investment funds and fintech firms, Zebec empowers businesses and individuals by eliminating inefficiencies inherent in traditional financial systems.

Today, the Zebec Network orchestrates RWA payments, payroll management, data management, and physical infrastructure (DePIN), integrating blockchain and the latest AI technology into daily operations and enhancing economic efficiency across web2 and web3 economies.

This White Paper V3.1 describes Zebec’s strategic vision, technology, advancements, current products and services line-up and ZBCN tokenomics.

We operate in a fast paced environment of continuous technological, regulatory and cultural innovation, this version of our White Paper provides a current snapshot of the story of Zebec Network, our vision and our product portfolio.  It is a living document, and as technology and the world evolve, so will the chapters in this document.

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Since its inception, Zebec has been at the forefront of decentralized finance applying blockchain efficiencies to real world payments and payroll flows. Traditional financial systems are often burdened with high transaction fees, slow processing times, and reliance on intermediaries that can create bottlenecks and reduce transparency. This is especially problematic in the context of global payments, payroll systems, and real-time financial transactions, where the need for speed, efficiency, and security is paramount.

Zebec addresses these challenges using its pioneering multi-blockchain infrastructure, which powers uninterrupted and secure flows of real-world value.

Zebec’s infrastructure and technology drastically increases the scale and speed of real time payments and greatly reduces fees to provide consumers and businesses with complete control over their financial affairs, fostering a more dynamic and responsive economic interaction. Dismantling traditional barriers, allowing for more fluid movement of capital and empowering businesses to operate globally with reduced overhead and greater scalability.

Zebec is a decentralized infrastructure network for real-world value flows. Founded in 2021, Zebec has quickly established itself as a key player in the DeFi sector, attracting $35 million in investments from notable firms such as Circle, Coinbase, Solana Ventures, Breyer Capital, Republic, and Lightspeed Venture Partners

Originally developed as a continuous settlement protocol on the Solana blockchain, Zebec has significantly expanded its technological framework. It now consolidates multiple protocols and integrates a comprehensive portfolio of blockchain-enabled Real-World Asset (RWA) payment and payroll products into an interconnected and interoperable network. This evolution positions Zebec on a path to becoming a full-fledged financial infrastructure powerhouse

Today, the Zebec Network serves hundreds of companies across both web2 and web3 economies, integrating blockchain technology into everyday financial operations. Zebec’s vision is centered on enabling freer movement of money, providing individuals, businesses, investors, and teams with quicker and easier access to funds and tokens. The core mission is to continue developing transformative blockchain-based consumer applications that significantly improve people's lives.

Zebec's current line-up of fintech products includes payroll tech, designed to service both traditional payroll, real time payroll and payment flows, crypto payment cards, and treasury management tools specifically designed for web3 companies. These products are crafted to bridge the gap between traditional and new financial realms for both enterprise-level employers, employees and general consumers engaging with digital assets.

To realize these innovations, Zebec invests in traditional payroll service companies through its USA - based investment arm, Payroll Growth Partners (PGP). PGP is rapidly expanding and licensed to operate across multiple states, positioning Zebec to blend cutting-edge blockchain technology into conventional payroll services effectively. This initiative includes direct integrations and partnerships with major financial platforms like Circle and Stellar, through which Zebec enables features such as USDC payroll and  near-zero cost cross-border remittances. 

Since 2023, Zebec has launched several crypto payment cards allowing users to seamlessly and instantly spend cryptocurrency in their chosen fiat currency on everyday purchases. Current line up includes 1/the prepaid Zebec Silver Card (formerly Zebec Instant) — the industry's first non-custodial, multi-chain, zero-fee card; and 2/ the Zebec Black Card, a reloadable debit card with no spend limit with additional card products in the pipeline. Zebec cards are supported by the global Mastercard network, can be added to Apple Pay and Google Pay, and are accepted worldwide for retail and online purchases.

Zebec Cards have direct integrations with over 150 tokens, including blue-chip and hottest meme projects, across 8 chains and is now offering as a industry first custom branded cards through its white label program, rolled out in 2024.  Zebec’s products and applications are powered by the Solana blockchain, which with its high throughput and low costs has cemented itself as THE L1 choice for leading web3 projects in the payments, DeFi, and DePIN realms. Moreover, Solana has recently become the preferred choice for traditional institutions in the financial sectors expanding their operations into RWA tokenization and other initiatives.  

Like many projects in the web3 ecosystem, Zebec has explored other blockchain solutions, including aspiring to build its own payments-optimized Layer 3 chain. However, it has since solidified its operations on its native chain, Solana. Solana’s strong emphasis on user experience (UX), scalability, and speed makes it a logical choice for consumer-facing applications, especially in the payments space.

Today, Zebec Network is a multi-chain, interoperable ecosystem, having integrated its products with Solana, Base, BNB Smart Chain, Tron, TON, NEAR, Sui, Ethereum, etc.  to facilitate seamless payment and data flows. With new networks continuously added.

Founded in 2021, Zebec embarked on its mission to transform financial transactions with a decentralized infrastructure built on the Solana blockchain, renowned for its exceptional throughput and minimal transaction costs. The foundational technology of Zebec, its continuous settlement protocol, enabled real-time, perpetual streams of money, addressing the inefficiencies rife in traditional payment systems—such as delays, excessive fees, and dependence on intermediaries

The name 'Zebec', inspired by the swift and versatile Mediterranean sailing ship, symbolizes the protocol’s efficiency, speed, and ability to manage multiple financial transactions simultaneously. This agility mirrors Solana's attributes, whose name refers to the 'eastern wind,' and the “sun” highlighting the platform’s capacity to offer a fresh and powerful approach to blockchain technology.

Zebec’s earlier technology allowed for the facilitation of microtransactions with negligible fees, supporting innovative applications like real-time payroll systems. In these systems, employees can access their earnings on a second-by-second basis, significantly enhancing transparency and control for both employers and employees.This technological innovation has enabled a wide array of financial services that leverage blockchain technology to enhance efficiency and user empowerment.

From its inception, Zebec’s approach focused on alleviating fundamental pain points in the financial sector through blockchain solutions. The continuous settlement protocol automated transactions and settlements, revolutionizing payroll processes by eliminating the typical delays associated with traditional banking.

As the complexity and interconnectedness of digital and real-world financial systems grew, Zebec recognized the necessity to broaden its technological horizon. It enhanced its tech stack to include not only payment processing but also built comprehensive solutions for data management, incorporating an AI layer - Zebec AI (ZAI).  By integrating with additional blockchains, building out smart payments and solidifying core operations on Solana infrastructure Zebec can support global RWA payment flows and DePin transactions, thereby boosting scalability and versatility.

This expansion was accompanied by a strategic rebranding and a shift in tokenomics to better reflect Zebec’s expanded vision and capabilities. As a result, Zebec has established itself as a premier infrastructure platform in the blockchain space, capable of supporting a diverse ecosystem of financial activities. Through ongoing strategic partnerships and continuous innovation, Zebec is committed to further integrating blockchain technology into everyday financial operations, striving to make transactions more accessible, efficient, and secure for a global audience.

Changing the Way Money Moves

Around the world, blockchain technology is being adopted at a rapid pace. Our decentralized payments and infrastructure network is built to create a future where real world value moves freely and seamlessly, giving individuals, businesses, investors, and teams immediate access to funds and tokens; providing immediate financial control and fostering a more inclusive and accessible financial environment.

We are building our technology stack and products to deliver transformative blockchain-based consumer and business applications that significantly impact and improve people's lives.

Our integrated products - real time payroll app, onchain payments infrastructure, payment cards, DePIN, as well as seamless on / off ramp solutions - serve companies and individuals and help transcend the boundaries of traditional banking and diminish the role of financial intermediaries.

Real-World Uses of Blockchain Technology

The technological backbone of Zebec's ecosystem is built on the Solana blockchain, complemented by a proprietary software layer that effectively bridges Web2 and Web3 systems. This architecture is optimized to support a broad spectrum of enterprise-level and consumer-facing functionalities, ranging from basic payroll management to intricate financial, operational, and decentralized physical infrastructure (DePIN) applications.

Our proprietary software applications function as a middleware, integrating various systems within the Zebec Network and abstracting backend complexities to deliver intuitive and user-friendly interfaces for applications such as payroll and card systems.

Solana at the Core of Zebec's Products

Solana is integral to Zebec’s technological framework, offering a compelling value proposition with its unmatched speed, low cost, and exceptional user experience. Its high-performance capabilities ensure high throughput, crucial for supporting real-world asset (RWA) flows and DePIN infrastructure. This makes Solana an ideal platform for Zebec’s diverse applications, including decentralized finance (DeFi) applications, payment systems, and interactive gaming environments.

Our proprietary software applications function as a middleware, integrating various systems within the Zebec Network and abstracting backend complexities to deliver intuitive and user-friendly interfaces for applications such as payroll and card systems.

Incubating the Nautilus Chain

Recognizing the need for bespoke solutions for continuous payment streams and global payment flows, Zebec incubated the development of the Nautilus Chain. This high-performance, modular Layer 3 (L3) blockchain was developed in record time, moving from stage to mainnet in just eight months. Nautilus supports a broad spectrum of Web3 functionalities, from simple transactions to complex financial applications.

In 2024, Nautilus was acquired by 3Base, continuing its growth and evolution independently from Zebec, yet remaining a part of the Zebec’s multi-chain ecosystem.

Proprietary Software Layer: Focusing on Real-World User Experience

For broad adoption of blockchain technology, priority must be placed on user interface and experience. Our proprietary software layer is designed to make entry into blockchain-based products and services as easy and useful as possible, abstracting away complex technologies and focusing on real-world applications.

Cross-Chain and Cross-Platform Interoperability

Zebec’s network facilitates seamless cross-chain operations by abstracting the complexities of individual blockchain protocols. This interoperability is vital for enabling multi-chain transactions, such as token swaps, payment flows, decentralized finance operations, and cross-chain collateralization. Such capabilities are essential for practical applications that integrate Web2 efficiencies with the expansive potential of Web3 technologies.

Enhanced Security and Efficiency

ZEmploying the latest and most advanced AI- powered tools and practices available, our abstraction layer ensures that all on and off chain interactions within our tech stack are secure,efficient and compliant throughout the Zebec Network.

Zebec's portfolio of blockchain-based financial solutions is designed to streamline transactions and enhance efficiency across various sectors. This section elaborates on how Zebec's suite of products is transforming the traditional financial landscape:

Real -Time Payroll

Building on Zebec's start of the original continuous settlement protocol on Solana, Zebec's payroll App allows employers to pay their employees on a per-second basis, fundamentally changing the dynamics of wage access and financial planning.

Our Zebec 2.0 streaming payroll app offers streamlined and efficient payment solutions to web3 companies and paying clients facilitating transfer of real-world assets through blockchain and smart contract-based digital mechanisms.

With continuous improvements in app performance and security features, the Zebec Pay app is ready to support a wide range of financial activities, beyond payroll streaming. With new features and functionality continuously added to Zebec Pay app, Zebec continues on its mission to l integrate blockchain technology with real-world financial applications.

Transforming web2 Payroll

Moreover, Zebec Pay app is capable of integrating blockchain technology into traditional payroll services and expanding USD payroll to payroll in USDC, making it ideal for businesses that employ diverse and distributed global teams.

As the first compliant traditional payroll app with an advanced blockchain backend, Zebec Pay app introduces web3 features like USDC payroll and near-zero cost cross-border remittances.

Integrated within the Human Capital Management (HCM) systems of several leading US payroll service providers. It represents a significant modernization of the traditional payroll technology stack and introduces new financial tools to the workforce of over 200 enterprise-level client companies.

Licensed to operate across multiple states and expanding fast, Zebec is in a unique position to fuse cutting- edge innovation into conventional payroll services.

It also offers advanced payroll tools such as early pay access, budgeting, bill payments, and pay cards, all within a single, unified application.

By merging the strengths of web2 payroll technologies and web3 payment rails, Wagelink delivers a transformative financial experience for employees. It makes blockchain technology accessible and user-friendly, serving as a portal to a frictionless financial future, again fostering broader adoption of web3 technologies.

Zebec Pay leverages the efficiency, security, and speed of blockchain technology to provide a comprehensive solution for daily financial activities, from receiving salaries to managing mobile bill payments and budget tracking. It integrates with various payment infrastructure networks and forms a part of Zebec’s extensive financial network ecosystem.

North Star: Zebec Pay Zebec’s super-app

Zebec Pay is the evolution of everything we’ve built so far. It’s a super-app that merges payroll, payments, and card functionality into a single seamless platform. This means businesses can handle salaries, streaming payments, crypto-to-fiat swaps, and even rewards in one place. It's a major step toward mainstream adoption of on-chain financial tools.

Zebec Cards

Zebec offers off-ramp and crypto payment cards as part of its payments product portfolio. Currently, these include the prepaid Zebec Silver (originally Instant card) and debit Black Card. These cards facilitate the immediate conversion of varied cryptocurrencies and popular meme coins in multiple fiat currencies with zero to low transaction and top up fees. Zebec cards are supported by the Mastercard network and allow real life spend  on everyday goods and services globally.

Zebec Cards are seeing steady adoption and growing popularity, almost from launch, when Zebec Instant was the very first Solana card. 

In addition, through its white label program Zebec is able to deliver to its ecosystem partners unique branded cards displaying custom graphics in Apple and Google Pay, boosting token utility and community engagement for these projects.

Treasury Management for Web3 Companies

Tailored for enterprises operating within the blockchain ecosystem, this set of tools helps companies manage their finances, combining traditional financial practices with the innovations of blockchain technology.

DePIN and Financial Infrastructure

DePINs are reshaping traditional infrastructure in data, AI, compute, and telecommunications by integrating blockchain technology, cryptography, and crypto-economic incentives. In a similar vein, DePINs in payments hold the potential to transform global commerce systems that transact over 3 trillion dollars annually.

Zebec Network is at the heart of both RWA and DePIN sectors, integrating physical and digital infrastructure that enable real world value (RWV) flows, thus driving innovation and adoption of blockchain technology in real life.

Zebec Ecosystem Physical Infrastructure Network (ZePIN): 

Crypto Payments in Retail

Within the Zebec product portfolio,  ZePIN is an ecosystem of IoT-enabled hardware, proprietary software, and Zebec's payment infrastructure built to facilitate seamless crypto payments through interconnected physical devices in retail settings. 

ZePIN is conceived not simply as a device or a singular product, rather a system that combines hardware with Zebec’s custom software, HCM integration, and Zebec’s payroll app connectivity.

Pilot Scope and Implementation

The initial rollout of ZePIN is focused on medium-sized U.S. companies already using Zebec’s payroll services, allowing employees to use cryptocurrency for purchases at workplace establishments and providing a seamless payment experience. Pilot roll- out also includes live demos and hands-on training sessions to encourage use and adoption.

Integrated Technology and Ecosystem

Tech Stack and Components: ZePIN combines licensed hardware (such as tablets or terminals) with Zebec’s custom software, HCM integration, and Payroll App connectivity. Through a classic IoT configuration, ZePIN connects multiple physical devices to exchange data over the internet, bridging Web2 payroll functions and Web3 crypto payment rails.

Crypto Payment Enablement: Employees can receive pay in USDC and make transactions in crypto, either within employer facilities or externally via the Zebec Card.

Decentralized Incentives: Employees, merchants, and contractors earn on-chain rewards in $ZBCN, promoting active participation in the ecosystem.

Value Creation and Ecosystem Development

For Zebec, ZePIN not only expands the company’s technological footprint but also creates value for employees and employers. Employees gain an intuitive product that brings the benefits of crypto into their daily routines, while companies experience operational efficiencies and cost savings through streamlined payment and payroll processes.

Future Vision: Success in this pilot phase will lay the groundwork for broader scalability and may lead to global deployment of Zebec’s crypto payroll and payment systems, positioning Zebec at the forefront of real-world crypto integration.

Evolving tech, broader adoption of stablecoins, and new institutional products coming online may simplify the initial ZePIN set-up.  The pilot allows us to experiment with several approaches and systems and refine the set up as new tech becomes available.

Introduction

ZBCN Token is the governance and utility token of the Zebec Network. Holders of ZBCN have voting rights in the governance system and vote on critical decisions that affect the network and the ecosystem. Their influence is proportional to the amount of ZBCN they hold or control.  In addition to voting rights and influencing the priorities of Zebec business ventures, the ZBCN token unlocks a variety of benefits and incentives for holders.

At its Core

ZBCN is not a new token. It is the next generation of the original token of the Zebec Protocol - ZBC. 

The transition to the ZBCN ticker in mid 2024 represented a strategic shift, to better reflect Zebec’s business growth and the broader portfolio of products and infrastructure that powers it. 

ZBCN utilization significantly expands from supporting payment flows to also include data and Decentralized Physical Infrastructure (DePIN).

ZBCN is the exclusive native token of the Zebec Network, maintaining the foundational tokenomics established by ZBC. 

For reference: Tokenomics of ZBC

Governance Model: Hybrid

The Zebec DAO operates under a hybrid governance model, merging on-chain and off-chain decision-making. This approach leverages the blockchain's transparency and immutability alongside the adaptability of traditional governance, reflecting a growing trend in the blockchain domain for a more nuanced and flexible governance structure.

ZBCN governance combines ZBCN token holders' direct on-chain voting on proposals with extensive off-chain consultations, proposal vetting and informal consensus building across various formats, forums and social channels. This allows for a thorough exploration of proposals before they are formalized through on-chain votes. Visit the Governance hub.

Governance Process

The governance process and vote works as follows:

Community members initiate discussions on Zebec's platforms and channels, or investors and partners put forward proposals for consideration. Off-chain activities such as briefings, discussions, and consultations are compiled into articles and reports, shared through Zebec's channels and community boards. Proposals gaining significant engagement, and informal consensus after consultation with investors and ZBCN holders, proceed to a voting phase. The DAO conducts a vote on-chain, with outcomes subsequently published and announced to the broader community

Utility of ZBCN

Beyond governance participation and influencing the priorities of Zebec business ventures, the $ZBCN token has significant utility in the real world and throughout the Zebec Network. It also unlocks a variety of benefits and incentives for holders.

IRL Utility

$ZBCN is among the few crypto tokens with tangible real-world utility.  All current and upcoming Zebec cards that facilitate crypto spend in fiat can be funded in $ZBCN (along with other 150+ supported tokens) and spent in real life for everyday purchases globally.

Staking

$ZBCN holders can stake their tokens for various periods of time while earning up to 15% APY. Staking further incentives and rewards active governance participation, as stakers gain ability to submit and vote on DAO proposals.

Collateral in DeFi Integrations

$ZBCN can also be used as collateral in DeFi integrations, enabling borrowing, lending, and liquidity provisioning.

$ZBCN Buyback Program

Following the $ZBCN DAO vote in the fall of 2024, Zebec has reinstated the ZBCN Buyback Program. The primary goals of the buyback initiatives are to reduce the circulating supply, increase its scarcity and maintain long-term demand.

The buyback amount is directly tied to revenue from Zebec Card program, ZePIN transaction volumes, and partner contracts. The tokens acquired through buybacks are removed from circulation, reinforcing $ZBCN’s deflationary model.

Buybacks occur at predetermined periods to support $ZBCN’s long-term value and tokenomics strategy.

$ZBCN Rewards in Network

ZePIN Participants - vendors, corporate entities and employees - are rewarded in $ZBCN for operating, using, and contributing to ZePIN’s development in its pilot and beyond. Rewards are calculated based on number of transactions processed, volumes purchases and overall contribution to network growths.

Grants for Ecosystem Contributors

$ZBCN is also used to fund grants for developers, projects, and builders contributing to the expansion of the Zebec ecosystem. These grants help support innovation, integrations, and community-driven initiatives that enhance the network’s functionality and adoption.

Incentives for ZBCN Holders

In addition, ZBCN holders unlock exclusive benefits, such as:

VIP access to premium Zebec products with no fees, plus reduced fees for the Zebec App features  (treasury, streaming etc.). Priority access to premium Zebec Card products and exclusive promotions and rewards campaigns.

Exclusive Airdrops and Incentives from partner projects- ZBCN holders qualify for partner projects airdrops. Zebec Cards now support popular tokens and memes on Solana, Base, Etherium, Tron, Sui and Binance ecosystems. Zebec token integration contracts reserve allocates for ZBCN holders. 

Access to Zebec-hosted exclusive events around the world with ecosystem partners strengthening the network and partnerships.

The use cases and utility for ZBCN will continue to expand and evolve with the needs of the growing eco-system and network, in turn enhancing the long term value for holders.

Zebec Pay

Combine payroll, payment streams, and cards ecosystem using multi-chain wallet infrastructure into Zebec Pay super-app to offer businesses and consumers on-chain payroll, global remittances, crypto and fiat swaps.

Zebec Cards Program Expansion Through Partnerships and Upgrades

The Zebec Cards program will continue to undergo significant upgrades to expand types of crypto cards offered, blockchains, and tokens integrated, as well as adding lending and other features. These upgrades aim to provide cardholders with additional choices, for both card funding and card spending. With new partnerships and integrations, addition of top up features, fee reductions and increased spend limits, Zebec aims to boost its card program competitiveness and to bolster platform volumes and revenue, Zebec brand recognition throughout the industry ecosystem and drive global demand for  Zebec products.

Enhance the white-label Zebec Card program with new tokens and chain-specific configurations, deliver a Private Payout Solution for partners to on/off-ramp funds through Zebec infrastructure.

ZAI

Expand the utilization of Zebec’s AI-powered smart payment layer (ZAI) across all products and services for enhanced security, privacy and compliance.

ZePIN

Validate hardware, software, and network performance through the ZePIN pilot at select businesses to prepare for the wider rollout within the ecosystem.

Zebec Vaults

Simplify management of treasury assets for on-chain organizations with Zebec Vaults.

Each of these milestones in Zebec's roadmap demonstrates a commitment to enhancing interoperability, expanding services, and leveraging cutting-edge technologies to provide comprehensive blockchain-based financial solutions. 

These initiatives promise to reinforce Zebec's position as a leader in decentralized finance, driving forward the adoption and practical application of blockchain technology in everyday financial activities.

Glossary of terms and acronyms

Abstraction Layer: A middleware that simplifies the end-user and business interaction with various blockchain protocols and features, enabling applications to operate across different blockchain systems and web3 systems, removing complexities of on-boarding and using blockchain products in real life. 

Blockchain: A digital ledger that records transactions across many computers to ensure that the registered transactions cannot be altered retroactively.

Continuous Settlement Protocol: A technology enabling real-time, perpetual streams of money, allowing for instantaneous settlements.

DAO (Decentralized Autonomous Organization): An organization represented by rules encoded as a computer program, transparent, and controlled by its members.

DApps (Decentralized Applications): Applications that run on a peer-to-peer network of computers, decentralized and outside the control of a single authority.

DeFi (Decentralized Finance): Financial services on public blockchains, such as lending, borrowing, trading, without traditional financial intermediaries. DePIN (Decentralized Physical Infrastructure Network):  Infrastructure integrating blockchain technology into physical infrastructures and IoT devices for operational efficiencies.

Generative AI: Artificial intelligence capable of generating predictions, decisions, and content.

IRL: In Real World a commonly used abbreviation for use and functionality of digital assets and blockchain tech application in real world.

L3 Blockchain: A blockchain layer that builds upon existing Layer 2 solutions, providing additional scalability and application-specific functionalities.

Memecoin: A cryptocurrency that stems from an internet meme or possesses humorous characteristics, often without inherent value.

Modular Blockchain: A blockchain structure where core functions are compartmentalized into distinct modules for flexibility and targeted optimization.

Nautilus Chain: Zebec's high-performance blockchain optimized to support global RWA payment flows and DePin infrastructure.

PoS System (Point of Sale Terminal):  A device that processes transactions within a blockchain network at retail points, including cryptocurrency transactions.

RWV (Real World Value) Flows:  The movement and integration of tangible asset values into the blockchain ecosystem for digital financial transactions and applications.

RWA (Real World Assets):  Assets with tangible value in the physical world that are digitally represented and utilized on a blockchain.

Stablecoin:  A cryptocurrency designed to have a stable value by being pegged to a reserve asset like a fiat currency or gold.

Streaming Finance:  Continuous and programmable flow of money in real time, enabling instant, automated transactions without intermediaries. It transforms traditional payments, payroll, and subscriptions by allowing users to send and receive funds per second, improving liquidity and financial efficiency.

Tokenomics:   The economic principles and models that govern the issuance, distribution, and overall economy of a cryptocurrency or token.

USDC (USD Coin):  A type of stablecoin pegged to the US dollar and used for digital transactions to maintain stable value.

WageLink: Zebec's application that integrates blockchain features into traditional payroll systems for enhanced global operations.

Web3: The third generation of internet services that leverages blockchain-based technologies for a decentralized user environment.

ZBCN Token: The governance and utility token of the Zebec Network, used for transaction fees and enabling governance participation within the ecosystem.

Zebec Silver Card: A multi-chain prepaid card that allows users to spend cryptocurrency in real-time, accepted globally.

Zebec Black Card: A reloadable debit card, supported by Mastercard network globally, for crypto spending on everyday purchases in retail and on-line. 

ZePIN - Is Zebec’s ecosystem of IoT-enabled hardware, proprietary software, and Zebec's payment infrastructure built to facilitate seamless crypto payments through interconnected physical devices in retail settings.

ZAI - Zebec AI is an intelligent automation layer integrated into Zebec's tech stack that supports Zebec's products and services by optimizing transactions, risk management, and financial workflows in real time