Zaria provides a real‑time loan servicing and collateral management platform that automates day‑to‑day loan administration, intraday collateral valuation, margin calls, and liquidations across digital assets, securities, and traditional receivables. The system also offers shadow servicing for warehouse and securitized loans and agency functions such as administrative, verification, calculation, and payment services, enabling lenders to maintain brand control while focusing on underwriting and capital deployment.
Funding
Funding not disclosed
Founders
Product
Problem
Mark-to-market loan portfolios require continuous collateral valuation, rapid margin calls, and seamless liquidation, but existing servicing infrastructure is fragmented, slow, and often limited to a single asset class, creating operational risk and limiting scalability for lenders.
Solution
Zaria offers a unified, real‑time loan servicing and collateral management platform that automates day‑to‑day loan administration, intraday collateral monitoring, and automated liquidations across digital assets, securities, and traditional receivables. The system provides 24/7 oversight, instant margin calls, and shadow servicing for warehouse and securitization structures, ensuring uninterrupted operations for rating agencies and bondholders. Zaria also delivers agency functions—including administrative, verification, calculation, and payment services—to independently validate covenants and manage syndicated loan waterfalls. The white‑label portal lets lenders maintain their brand while Zaria handles payments, borrower onboarding, and collateral workflows, allowing lenders to focus on underwriting and capital deployment.
Target Audience
Lenders and asset‑based financing platforms that originate or purchase mark‑to‑market loans, as well as custodians and agencies managing syndicated or securitized loan structures.
Features
- Real‑time collateral valuation and monitoring for digital assets, equities, ETFs, fixed income, invoices, and trade receivables
- Automated margin calls and liquidations triggered by intraday price movements
- Full‑lifecycle loan servicing (principal/interest payments, borrower administration) for both commercial and consumer loans
- Shadow (backup) servicing for warehouse loans and securitizations, providing continuous service continuity
- Agency services covering administrative, verification, calculation, and payment functions for syndicated and structured transactions
- White‑label portal enabling lenders to set terms, pricing, and LTVs while preserving their brand experience
- API‑driven integration for seamless connection to existing lending platforms and data feeds