Safety
How we prevent fraud
An overview of the platform-level controls that keep fraudulent activity off zelo.
Fraud prevention on Zelo is layered — checks at sign-up, at KYC, at coupon mint and at every settlement.
Verified identity before any wallet activity
No coupon can be redeemed and no value can move until KYC has been approved by a human reviewer.
Atomic, non-negative ledger
Every balance change runs in a single database transaction. Balances can never go negative — there is no path through the system that would allow it.
Manual settlement review
Settlement requests are reviewed by an admin before any payout. Suspicious patterns are paused and investigated.
Immutable audit log
Every privileged action — coupon mint, balance adjustment, ban — is written to an append-only audit log with actor, IP and timestamp.