Introducing ozID
Spend and receive money anywhere, anyhow. Cross-border and cross-application payments built for the modern payment transaction.
For Consumers
ozCard - Smart Payment Routing
One card, unlimited payment methods. Add multiple bank accounts, credit cards, and payment methods. Choose which to use for each purchase, or let ozAI automatically route your payments based on rewards, balance, or your custom preferences.
Universal Wallet
One account for all your money. Send, receive, and store funds globally with any payment method.
Cross-Border Payments
Send money anywhere in the world instantly. No intermediaries, no delays, no hidden fees.
Pay Anyone, Anywhere
Pay friends via text, QR code, or username. Works across any app or platform that supports ozID.
For Businesses
Accept from Everywhere
Accept payments from 190+ countries with any local payment method. One integration, global reach.
Instant Settlement
Receive funds in seconds, not days. Improve cash flow and eliminate settlement risk.
Multi-Currency Support
Hold and transact in multiple currencies. Automatic conversion at competitive rates.
Built for Commerce
Invoicing, recurring payments, virtual accounts, and more. Everything you need to run your business.
For banks & credit unions
Programmable KYC/KYB with ozID
Use ozID as your central verification spine—attach bank-defined policies to each identity to accelerate product onboarding while keeping operators in control.
Policy-driven onboarding
Define per-product KYC/KYB requirements and auto-issue allowlists per ozID.
Segmented allowlists
Create programmable access for cards, deposits, lending, and treasury—by region, risk, or partner.
Operator approvals
Route exceptions to review with full audit trails; approvals travel with the ozID across offerings.
One ozID. Infinite Possibilities.
Start with a consumer account and seamlessly upgrade to a business account when you’re ready to accept payments as a merchant, freelancer, or company.