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Global Treasury Solution

Zoqq’s Global Treasury solution enables businesses to manage international money movement through a unified financial infrastructure. It supports the full lifecycle of global payments — from onboarding customers and collecting funds to managing balances, converting currencies, issuing cards, and sending payouts.

By integrating with Zoqq APIs, platforms can build financial workflows that operate seamlessly across multiple countries and currencies.

Key Capabilities​

Zoqq provides a set of interconnected services that power global treasury operations.

Onboarding​

Create and manage customer or business profiles before enabling financial services.

Capabilities include:

  • Customer and business onboarding
  • Identity and compliance verification
  • Account provisioning for financial services

Once onboarding is completed, customers can access other treasury capabilities such as accounts, FX, payouts, and cards.

Global Accounts​

Zoqq Global Accounts allow businesses to receive funds from customers, partners, or other financial institutions worldwide.

Key features include:

  • Create virtual accounts for customers
  • Receive bank transfers via local clearing systems
  • Receive international transfers via SWIFT
  • Support multiple currencies and regions

Global Accounts simplify international collections by providing local banking details in supported markets.

Receive Funds​

Funds can be received through supported banking infrastructure.

Bank Transfers​

Businesses can receive funds via:

  • Local payment networks
  • SWIFT international transfers

These transfers are credited to the associated Global Account.

Multi-Currency Wallet​

Zoqq provides a wallet infrastructure that allows businesses to store and manage funds in multiple currencies.

Funds stored in the wallet are safeguarded through Zoqq’s global banking partners.

Wallet capabilities include:

  • Multi-currency balances – Hold funds in multiple currencies
  • Funds flow management – Manage collections, conversions, and payouts
  • Consolidated reporting – Retrieve balances and financial data via API

The wallet acts as the central balance layer powering treasury operations.

FX (Foreign Exchange)​

Zoqq FX services allow businesses to convert funds between supported currencies.

Key features include:

  • Real-time currency conversion
  • Support for multiple currency pairs
  • Integration with wallet balances
  • Transparent FX rates and settlement

FX capabilities allow platforms to manage cross-border treasury operations more efficiently.

Process Payouts​

Zoqq enables businesses to send funds globally using available wallet balances.

Global Transfers​

Businesses can initiate payouts to beneficiaries in 150+ countries.

Features include:

  • Cross-border transfers through global banking networks
  • Local clearing support where available
  • Multi-currency payout support
  • API-driven payout automation

Cards​

Zoqq Cards allow businesses to issue and manage payment cards linked to treasury balances.

Capabilities include:

  • Card issuance for customers or employees
  • Physical and virtual cards
  • Card controls and spending limits
  • Transaction monitoring and reporting

Cards enable businesses to provide spending access to stored funds.

Typical Treasury Flow​

A typical Zoqq treasury workflow follows these steps:

  1. Onboard Customer Create a customer or business profile through the onboarding APIs.

  2. Create Global Account Generate banking details to receive international payments.

  3. Receive Funds Collect funds via local payment networks or SWIFT transfers.

  4. Hold Funds in Wallet Funds are stored in the multi-currency wallet.

  5. Convert Currency (FX) Convert funds between supported currencies if required.

  6. Send Payouts or Issue Cards Use wallet balances to send payouts or enable card spending.

Product Modules​

Zoqq’s treasury infrastructure is organized into the following modules:

ModuleDescription
OnboardingCreate and manage customers and businesses
Global AccountsReceive funds via bank transfers
CardsIssue and manage payment cards
FXConvert funds between currencies
PayoutsSend payments to global beneficiaries

Each module can be integrated independently or combined to build a full treasury solution.

Next Steps​

To begin integrating Zoqq services, explore the following sections:

  • Onboarding – Create and verify customers
  • Global Accounts – Receive international payments
  • Cards – Issue and manage cards
  • FX – Convert currencies
  • Payouts – Send global transfers