An independent home for digital value
We're building a wallet that feels like a bank app, but operates entirely on its own digital rails.
Our mission
Make digital coupon value as easy to send and settle as a chat message — without needing a bank in the loop.
Our values
Transparency, simplicity and security. We default to making fees, rules and audit trails visible.
Our scope
We operate independently of any banking or government infrastructure as a digital service settlement platform.
Our craft
Every screen is designed and built in-house. We obsess over fast, predictable, fintech-grade UX.
The story
Zelo started with a simple frustration: digital coupon codes were everywhere, but turning them into something you could actually spend on Amazon, Flipkart, Myntra, Swiggy or Zomato was a mess of spreadsheets, screenshots and trust. We built Zelo so anyone with a verified account can redeem coupons into wallet balance and convert that balance into branded gift cards — or cash out via UPI / USDT — with the same predictability as a modern bank app.
We're a small team of engineers and designers who care deeply about ledger correctness, audit transparency and beautiful product surfaces. We ship fast, we test relentlessly, and we treat every transaction as if it were our own.