Personal Finance

Cards That Keep Control in Real Time

Issue and manage cards with policy-first controls, instant lock/unlock actions, and auditable events for every cardholder action.

Core Pillars

Route-level capabilities with explicit operational behavior.

Proof Signals

Reliability, security, and audit outcomes to verify.

Deterministic

Flow Model

Designed for replay-safe money and identity workflows.

Tenant-Aware

Isolation

Boundaries enforced across authorization and data access.

Capability Model

Core building blocks for this route

Each row below maps product capability to deterministic implementation behavior.

Provision cards for online and point-of-sale use without changing your product surface.

Enforce category, amount, and channel controls before authorization decisions are finalized.

Track authorizations and declines as they happen so users and operators can act immediately.

Suspend, replace, and reissue cards with complete audit visibility across state transitions.

Contract Reliability Loop

Ensure flows for virtual + physical card support remain deterministic under retries and asynchronous callbacks.
Expose state transitions and failure modes for operators and integrators.
Capture audit events with tenant and actor attribution for regulated environments.

Operational Proof

Deterministic transaction lifecycle tracking for every authorization and settlement update.
Built to support fraud and dispute workflows without reconstructing card timelines.
Operationally aligned with card controls and admin tooling available in Zentra services.