01
Fund
A regulated partner funds a separate USD Spend balance. ZORYC is never silently converted into card money.
Zoryox Spend · future program
A card rail with its own source of truth.
Spend is the future commercial-card balance: USD-funded, partner-controlled, and operationally separate from ZORYC Credits.
Spend balanceFuture
$—
No Issuing partner connected.
Partner qualification · 25%
Card lifecycle
The future flow stays independent.
02
Authorize
Card authorizations reserve Spend funds with merchant, amount, and risk controls applied before approval.
03
Settle
Cleared transactions capture the reservation. Reversals, disputes, freezes, and support actions stay auditable.
Readiness gates
No real card until the partner, funding, KYC, risk, and PCI gates are approved.
→ Commercial card program selected
→ Funding and reserve model approved
→ KYC/AML and fraud controls reviewed
→ Issuing Elements and PCI scope verified