What is the ZyroAI IMPS Stack?

Real-time money-movement infrastructure for payouts and settlement across IMPS, NEFT, RTGS and UPI rails through a single API.

Which payout rails are supported?

IMPS, NEFT, RTGS and UPI payouts, all from one integration.

Is settlement real-time and 24×7?

IMPS payouts confirm in real time, 24×7, on an active-active multi-DC architecture.

How is reliability ensured?

Active-active, India-hosted infrastructure designed for high availability and sustained throughput.

02 · Real-time payments · Always on

Money that settles while you read this.

Secure, instant, bank-to-bank transfers around the clock. Payouts, refunds, disbursals and treasury moves clear in seconds — 24×7×365, at any volume.

Book a demo See the rail

<2sSettlement design target

0%Uptime design target

24×7No batch windows

How a transfer moves

Five steps. A few seconds. No queue.

Every transfer is initiated, validated, routed, credited and confirmed in real time. With definitive status at the end.

Initiate

Request raised from any channel.

Validate

Payer & routing checked in ms.

Route

Sent over the optimal path.

Credit

Beneficiary bank credited.

Confirm

Definitive status returned.

End-to-end latency design target <2s

Core features

A lean rail, engineered to do one thing perfectly.

One rail. Real-time. Always on.

Eight focused capabilities that together make instant, reliable, round-the-clock bank-to-bank movement effortless to build on.

Instant Transfers

Move funds between banks in real time, any time of day.

Bank Integrations

Connect to a broad network of banks through one rail.

Settlement Processing

Automate and reconcile settlements with precision.

Transaction Monitoring

Watch every transfer with live status and alerting.

Reconciliation Engine

Auto-match transfers and flag discrepancies instantly.

Real-Time Status

Surface definitive transfer status to systems and customers.

API Gateway

A clean, secure gateway for programmatic transfers.

Automated Notifications

Trigger confirmations the moment events occur.

Why teams switch

From waiting on batches to moving in real time.

Legacy batch rails

The old way of moving money

Funds clear in scheduled windows, not now
Cut-off times and weekend delays
Status stays uncertain until reconciliation
Re-architecting needed to scale volume

ZyroAI IMPS Stack

Money movement, re-platformed

Settles in seconds, 24×7×365
No cut-offs, no downtime, no waiting
Definitive real-time status on every transfer
Elastic by design — scales without re-work

Use cases

Built for whoever needs money to move now.

Banking Platforms

Wallet Providers

Fintech Applications

Corporate Payments

Treasury Operations

RBI-aligned

Audit-ready controls

Encryption in transit & at rest

Security controls framework

India data residency

IMPS · NEFT · RTGSUPI payoutsBulk disbursalsVerified bank transferReal-time statusWebhooks

ONE SYSTEM OF RECORD

Apply to collect, one ledger.

Origination, disbursal, EMI schedule, collections — the whole loan in one place.

Origination done

Disbursal done

EMI schedule ₹ live

Collections day 3

BUILT FOR SCALE

Move money like the biggest do.

RELIABILITY

99.99%

Active-active multi-DC, India-hosted

SETTLEMENT

<5s

IMPS confirmation, intent to credit

THROUGHPUT

10k+ TPS

Sustained payout processing

RAILS

IMPS, NEFT, UPI & RTGS

DEVELOPER FIRST

Payouts in one POST.

IMPS, NEFT, RTGS and UPI payouts over one clean REST API with real-time webhooks.

payout.sh

# Send a verified bank payout
curl -X POST https://api.zyroai.com/v1/payouts \
  -H "Authorization: Bearer $ZYRO_KEY" \
  -d '{
    "rail":    "IMPS",
    "amount":  24999,
    "ifsc":    "HDFC0000123",
    "account": "500100123456",
    "verify":  true
  }'

# → { "payout_id":"PO-7781", "status":"PROCESSING" }

When it has to settle now.

Plug into instant, 24×7 bank-to-bank money movement. And stop designing around batch windows.

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