Reward settlement and payout reconciliation.
Ziyo tracks who is owed what and records how you settled it. We provide the infrastructure to reconcile rewards without ever taking custody of your money.
Settlement Lifecycle
Pending Reward
Claim validated, awaiting settlement.
Brand Pays
Brand executes payment via their own gateway.
Reference Recorded
Transaction reference logged in Ziyo.
User Sees Settled
Reward page or claim page updates status.
The Problem
The settlement trust gap.
Manual Verification
Operators waste hours manually checking bank statements to confirm if a labourer or customer was actually paid.
Broken Trust
When users don't see a clear "Settled" status with a reference number, they flood support with "where is my money" queries.
No Link to Ledger
Payments are made in one system and claims are tracked in another. There is no single source of truth connecting them.
Custody Risks
Many platforms force you to deposit money with them. Ziyo keeps you in control of your funds at all times.
The Flow
Transparent states. Complete trust.
Ziyo tracks the lifecycle of every reward from claim to final settlement.
Claim is validated but payout has not been initiated.
Payment is complete and reference is recorded.
Payment failed or was cancelled; liability returned.
Reward was not claimed within the campaign window.
Operations
Manual UTR flow for real-world operations.
For factories and local businesses, automated payouts aren't always an option. Ziyo allows you to make payments via your existing bank portal and paste the reference to settle the claim.
Future Routes
Automated Gateway Integration
Coming soon: Connect your RazorpayX or Cashfree accounts to automate the payout execution while Ziyo handles the ledger.
Alternative Settlements
Vouchers & Messaging
Deliver brand vouchers or settle via WhatsApp and email notifications.
Get Started
Streamline your payout reconciliation.
Stop guessing who was paid. Use Ziyo to track, record, and reconcile every reward settlement with full transparency.
Deploy rails