Overview

Zum Rails is a financial technology company that unifies Payments, Open Banking, and Banking-as-a-Service into a single, intelligent platform. Designed to simplify how money moves, Zum Rails enables businesses across industries to onboard customers, validate accounts, manage risk, and move funds, all in one seamless flow. Whether it’s enabling real-time payments or integrating compliance into every transaction, Zum Rails empowers companies to solve real financial challenges while delivering faster, safer, and more efficient payment experience.

Zum Rails knew that delivering a frictionless financial experience wasn’t just about fast payments,it was also about robust compliance, secure onboarding, and intelligent risk decisioning. To keep up with its growth and meet evolving customer demands, Zum Rails sought a partner who could help streamline these compliance workflows globally.

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Challenges

As Zum Rails expanded its reach and diversified its product offerings, the complexity of managing compliance operations grew significantly. The company’s lean compliance team comprising fewer than five members was tasked with handling customer and business verification across multiple geographies. To manage KYC, KYB, and risk assessments, the team relied on a patchwork of manual processes and predefined rule-based checks

This fragmented approach posed several challenges. First, it was resource-intensive, requiring significant time and effort from the team to perform repetitive verification tasks. Second, the lack of automation led to inconsistent onboarding times, which impacted customer experience and limited Zum Rails’ ability to scale quickly. Lastly, operational inefficiencies began to surface as the company entered new markets with different regulatory expectations.

The tools in place lacked the intelligence and configurability needed to adapt to varying customer profiles, jurisdictional compliance rules, and evolving risk scenarios. Without a centralized, real-time compliance infrastructure, Zum Rails was increasingly vulnerable to onboarding delays, fraud exposure, and audit inefficiencies.

It became clear that a more intelligent, automated, and scalable compliance solution was needed, one that could deliver accuracy, flexibility, and speed, while empowering the small but capable compliance team to stay ahead of risk without burning out.

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Solution

Zum Rails partnered with AiPrise to implement a unified compliance platform capable of handling global KYC, KYB, risk-based decisioning, sanctions screening, and fraud prevention-all through a single API integration. Unlike one-size-fits-all solutions, AiPrise took a highly collaborative and personalized approach, working closely with the Zum Rails team to understand their operational workflows and compliance pain points. The onboarding process included tailored training sessions, close communication between both teams, and few rounds of optimization to ensure that AiPrise’s capabilities aligned perfectly with Zum Rails' goals. By enabling configurable risk levels, real-time data insights, and flexible workflows, manual review time was reduced without compromising on accuracy or compliance. The platform’s ease of use and robust API architecture enabled Zum Rails to go live quickly without straining engineering or compliance resources

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Impact

The implementation of AiPrise's platform delivered measurable business outcomes for Zum Rails. The company saw a 2.5x increase in average verification speed, allowing customers to onboard more quickly and improving the overall user experience. At the same time, there was a 30% reduction in onboarding drop-off rates, directly boosting conversion. Operationally, automation and real-time decisioning empowered the small compliance team to focus on high-priority reviews, while maintaining strong oversight and audit readiness. 

Crucially, AiPrise’s platform offered features that allowed Zum Rails to dramatically improve efficiency and scalability. Configurable risk thresholds allowed the team to fine-tune decision-making criteria based on customer profiles and transaction patterns. Real-time data enrichment provided deeper insights during the verification process, improving accuracy and reducing false positives. Adaptive workflows automated much of the manual review process, freeing up the compliance team to focus on higher-risk cases and strategic oversight.

Also, the platform’s user-friendly interface and flexible API architecture made integration straightforward. Zum Rails was able to get up and running quickly, incorporating the compliance engine into their existing payments infrastructure with minimal disruption. The result was a practical and scalable solution that supported Zum Rails’ goals for more efficient operations and long-term growth.

AiPrise truly understands our business and customer needs. Their platform is easy to use, reliable, and has improved our verification rates. Most importantly, their team is always there to support us, going above and beyond every time.

- AML and Compliance Officer, Zum Rails

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Why Zum Rails Chose AiPrise

What truly set AiPrise apart from Zum Rails was the level of care and responsiveness from the entire team. From day one, AiPrise’s founders along with the broader team were fully hands-on, ensuring Zum Rails had the tools and support needed to succeed. Their approach went beyond standard vendor engagement: they offered in-depth training, responded quickly to feature requests, and were available even during off-hours to troubleshoot issues. This unwavering commitment and customer-first mindset fostered a strong partnership built on trust, adaptability, and shared goals is something Zum Rails found rare and invaluable in a compliance technology provider.