Zeam Finance

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Inspiration

Zeam is a smart credit card app built to help users build credit by revolutionizing how people spend, earn, and save.

Zeam is a smart credit card app with AI-based personalized offers for users to get rewards for every payment made with the cards.

With Zeam users can easily build up their credits and get access to custom offers from their favorite brands based on their personal interests using our cutting-edge proprietary AI technology for product recommendations.

Users can also build credit using our Vault, a Yield Savings feature and get paid for Saving on Zeam, Zeam Vaults can earn you up to 8% on your favorite coins, making it the quickest and easiest way to make money.

With Zeam, users can earn cash back and rewards every time they pay. From that mid-morning pick-me-up to after-work drinks, Zeam is there for all of it.

Spend with your Zeam card and choose which currency or cryptocurrency to pay in. Bitcoin in Barcelona and USDC in Paris? No problem. Pay with your Zeam card in Europe and the UK and customize which balance your payments are taken from.

Brands/SMEs can also Partner with Zeam to get access to users who needs their product without spending so much on targeting users that do not need their products using our recommendation engine.

Using our custom token (ZFI) users can also get access to get to access,

Custom Sign-up at the intersection of Crypto & Fiat

Users can now get paid for their data (when they sell it to businesses) in Zeam coins.

TAM: Numbers before info Founders Qualifications

What is your company working on?

We’re building a smart credit card for users with rewards tailored to their lifestyle

How do you know they need it? Zeam started with a problem, with over 2.7 billion credit card users globally, accessing custom-created credit cards that help users build credit is almost not existent.

We also validated with users

What are they doing now?

Most users spend time researching on product offers which has a high-rate of spammy/fraud sites, users also spend time.

Opening multiple bank and company accounts globally to solve remittance and aid expansion or wider market access.

Most users spend up to

Doing manual KYC every time money is being moved across borders.

Paying expensive fees for card transactions.

What, exactly, makes you different from existing options?

Understanding the credit card industry's financial dynamics and providing solutions to tackle this problem specifically.

Providing a purpose-built platform for people to not only spend but also build up their credits while doing so.

Doing the heavy lifting of providing compliance, KYC/KYB, and on-chain remittance functionality to make users use our products across 50+ countries instantly.

Building the most secured social credit card using advanced blockchain securities to prevent hacks and fraud.

Why isn’t someone already doing this?

Startups believe operating in a niche sector isn’t very profitable. It requires expertise to build a solid credit card reward system.

Creating a product at the intersection of DeFi and CeFi requires Startups doing this are still almost totally reliant on Fiat Infrastructures thereby causing limitations and removing transparency. Solving huge problems like this also requires a great knowledge of navigating both DeFi and the Gaming industry flawlessly without being on the government or platforms red list.

How will customers and/or users find out about you?

Customer Interview Success Stories

Gaming competition sponsorship. Media and Education Blogs Social Media/Podcasts contents with Gaming Influencers Email & Newsletter Marketing

Sponsoring and being active in the communities

Using a community based marketing approach, we’re approaching Marketing with a community Approach by creating user segments and marketing based on those segments.

practical use case: Partner with gaming brands to give offers, work with game influencers

What are the key things about your field that outsiders don’t understand?

Gamers would only trust DeFi startups if they’re transparent about their KYC/AML processes.

DeFi education, especially stable coins is strongly needed and required to grow. Unlike fully operating on Defi, FinTech requires compliance

Users want to integrate

What part of your project are you going to build first? Wallets (Crypto & Fiat), Credit Cards & Zeam Tokens

Who is going to be your first paying customer?

Gamers in the EMEA region.

Tech

How large is the market that you are going after?

B2B in Africa would grow to be a $4 trillion economy by 2025 (https://howwemadeitinafrica.com/business-business-market-africa-show-1-trillion-growth-2025/55897/)

Cross border payments is a

The African crypto market is currently at $105.6 billion and has a 30% YOY growth. the global cross-border payments market is a USD $156 trillion markets.

If your startup succeeds, what additional areas might you be able to expand into?

KYC/KYB as a service for DeFi & FinTech Products.

Automated Subscription as a service.

Blockchain-based card security Infrastructure as a Service Treasury: DeFi Yield to Businesses and Users (Institutional Lender). Crypto Fraud Intelligence Algorithms as a service. Compliance as-a-service.

Why did you choose this idea? With the growing surge of Crypto users/enthusiasts and the Gaming Industry globally we’re right on track to capture this market. We started by drafting a specific problem that was related to a lot of sectors.

What have you learned so far from working on it? Fintech companies are settling cross-border transactions for their treasury using stablecoins informally and totally unstructured. Interconnectivity in Finance from Africa across the world is dis-jointed Businesses of all services are looking forward to using DeFi products in the easiest way ever.

What does each founder do on the team? Krishna - Mobile Developer (iOS) Divya - Backend Developer Ihab - Blockchain Developer Syed - Backend Developer Samuel - Blockchain Architect