Zai

Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service provider headquartered in Melbourne. Zai gives platforms, marketplaces and vertical software companies a programmable way to onboard users, hold funds in managed wallet accounts, collect pay-ins (card, direct debit, BPAY, PayID), and disburse pay-outs across many parties in a single transaction flow. It is API-first: the Assembly API exposes wallet accounts, users, items, transactions, bank accounts, card accounts, fees, callbacks and batch disbursements, layered with Australia's New Payments Platform rails through dedicated Virtual Accounts / PayID and PayTo APIs, plus an Asynchronous API for long-running operations. Authentication is OAuth2 client-credentials (bearer tokens on PayTo), with a Live and Pre-live (sandbox) environment, webhooks with signature verification, and a developer dashboard. Positioned as the embedded-payments and marketplace-money-movement layer for the Australian market and platforms operating there.

Zai publishes 26 APIs on the APIs.io network, including Addresses API, Authentication API, Bank Accounts API, and 23 more. Tagged areas include Payments, Australia, Payment Gateway, Payment Processing, and Marketplace Payments.

The Zai catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Zai’s developer surface includes authentication, documentation, API reference, getting-started guide, pricing, engineering blog, support, and 34 more developer resources.

🌐 Visit website 📡 Source on GitHub

53.3/100 developing ▬ flat Agent 42/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serve

4 APIs

Payments Australia Payment Gateway Payment Processing Marketplace PaymentsPayments-as-a-ServiceReal-Time Payments Account-to-Account Open Banking PayTo PayID NPP Direct Debit Digital Wallet Payouts

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 53.3/100 · developing

Contract Quality 13.7 / 21

Developer Ergonomics 9.4 / 17

Access Clarity 6.7 / 17

Operational Transparency 2.5 / 11

Contract Governance 1.9 / 10

Discoverability 4.9 / 9

Regulatory Posture 12.2 / 15

Agent readiness — 42/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/zai: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 26

Individual APIs this provider publishes, each with its own machine-readable definition.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Zai Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Webhooks

Conformance

ErrorCatalog

Lifecycle

Conventions

Webhooks

DataModel

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

Packages

SDKs

ToolCrosswalk

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

OAuthScopes

Authentication

Authentication

Compliance

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 5

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: zai
url: https://raw.githubusercontent.com/api-evangelist/zai/refs/heads/main/apis.yml
name: Zai
kind: company
description: 'Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service
  provider headquartered in Melbourne. Zai gives platforms, marketplaces and vertical software companies a programmable way
  to onboard users, hold funds in managed wallet accounts, collect pay-ins (card, direct debit, BPAY, PayID), and disburse
  pay-outs across many parties in a single transaction flow. It is API-first: the Assembly API exposes wallet accounts, users,
  items, transactions, bank accounts, card accounts, fees, callbacks and batch disbursements, layered with Australia''s New
  Payments Platform rails through dedicated Virtual Accounts / PayID and PayTo APIs, plus an Asynchronous API for long-running
  operations. Authentication is OAuth2 client-credentials (bearer tokens on PayTo), with a Live and Pre-live (sandbox) environment,
  webhooks with signature verification, and a developer dashboard. Positioned as the embedded-payments and marketplace-money-movement
  layer for the Australian market and platforms operating there.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Payment Gateway
- Payment Processing
- Marketplace Payments
- Payments-as-a-Service
- Real-Time Payments
- Account-to-Account
- Open Banking
- PayTo
- PayID
- NPP
- Direct Debit
- Digital Wallet
- Payouts
tags_raw:
- Payments
- Australia
- Payment Gateway
- Payment Processing
- Marketplace Payments
- Payments-as-a-Service
- Real-Time Payments
- Account-to-Account
- Open Banking
- PayTo
- PayID
- NPP
- Direct Debit
- Digital Wallets
- Payouts
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: zai:zai-addresses-api
  name: Zai Addresses API
  description: The Addresses API from Zai — 1 operation(s) for addresses.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Addresses
  properties:
  - type: OpenAPI
    url: openapi/zai-addresses-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-authentication-api
  name: Zai Authentication API
  description: The Authentication API from Zai — 1 operation(s) for authentication.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/zai-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-bank-accounts-api
  name: Zai Bank Accounts API
  description: The Bank Accounts API from Zai — 6 operation(s) for bank accounts.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/zai-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-batch-transactions-api
  name: Zai Batch Transactions API
  description: The Batch Transactions API from Zai — 2 operation(s) for batch transactions.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Batch Transactions
  properties:
  - type: OpenAPI
    url: openapi/zai-batch-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-bpay-accounts-api
  name: Zai BPay Accounts API
  description: The BPay Accounts API from Zai — 3 operation(s) for bpay accounts.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - BPay Accounts
  properties:
  - type: OpenAPI
    url: openapi/zai-bpay-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-callbacks-api
  name: Zai Callbacks API
  description: The Callbacks API from Zai — 4 operation(s) for callbacks.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Callbacks
  properties:
  - type: OpenAPI
    url: openapi/zai-callbacks-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-card-accounts-api
  name: Zai Card Accounts API
  description: The Card Accounts API from Zai — 4 operation(s) for card accounts.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Card Accounts
  properties:
  - type: OpenAPI
    url: openapi/zai-card-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-charges-api
  name: Zai Charges API
  description: The Charges API from Zai — 4 operation(s) for charges.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/zai-charges-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-companies-api
  name: Zai Companies API
  description: The Companies API from Zai — 2 operation(s) for companies.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Companies
  properties:
  - type: OpenAPI
    url: openapi/zai-companies-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-direct-debit-authorities-api
  name: Zai Direct Debit Authorities API
  description: The Direct Debit Authorities API from Zai — 2 operation(s) for direct debit authorities.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Direct Debit Authorities
  properties:
  - type: OpenAPI
    url: openapi/zai-direct-debit-authorities-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-disbursements-api
  name: Zai Disbursements API
  description: The Disbursements API from Zai — 7 operation(s) for disbursements.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Disbursements
  properties:
  - type: OpenAPI
    url: openapi/zai-disbursements-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-fees-api
  name: Zai Fees API
  description: The Fees API from Zai — 2 operation(s) for fees.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Fees
  properties:
  - type: OpenAPI
    url: openapi/zai-fees-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-item-actions-api
  name: Zai Item Actions API
  description: The Item Actions API from Zai — 8 operation(s) for item actions.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Item Actions
  properties:
  - type: OpenAPI
    url: openapi/zai-item-actions-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-items-api
  name: Zai Items API
  description: The Items API from Zai — 9 operation(s) for items.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Item
  tags_raw:
  - Items
  properties:
  - type: OpenAPI
    url: openapi/zai-items-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-marketplaces-api
  name: Zai Marketplaces API
  description: The Marketplaces API from Zai — 1 operation(s) for marketplaces.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Marketplaces
  properties:
  - type: OpenAPI
    url: openapi/zai-marketplaces-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-payids-api
  name: Zai Pay I Ds API
  description: The PayIDs API from Zai — 3 operation(s) for payids.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - PayIDs
  properties:
  - type: OpenAPI
    url: openapi/zai-payids-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-payto-agreements-api
  name: Zai PayTo Agreements API
  description: Agreement Management APIs
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - PayTo Agreements
  properties:
  - type: OpenAPI
    url: openapi/zai-payto-agreements-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-payto-payments-api
  name: Zai PayTo Payments API
  description: Payment Initiation APIs
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - PayTo Payments
  properties:
  - type: OpenAPI
    url: openapi/zai-payto-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-requests-api
  name: Zai Requests API
  description: The Requests API from Zai — 2 operation(s) for requests.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Requests
  properties:
  - type: OpenAPI
    url: openapi/zai-requests-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-sub-wallets-api
  name: Zai Sub Wallets API
  description: The Sub-wallets API from Zai — 9 operation(s) for sub-wallets.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Sub-wallets
  properties:
  - type: OpenAPI
    url: openapi/zai-sub-wallets-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-token-auth-api
  name: Zai Token Auth API
  description: The Token Auth API from Zai — 1 operation(s) for token auth.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Token Auth
  properties:
  - type: OpenAPI
    url: openapi/zai-token-auth-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-tools-api
  name: Zai Tools API
  description: The Tools API from Zai — 1 operation(s) for tools.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Tools
  properties:
  - type: OpenAPI
    url: openapi/zai-tools-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-transactions-api
  name: Zai Transactions API
  description: The Transactions API from Zai — 7 operation(s) for transactions.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/zai-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-users-api
  name: Zai Users API
  description: The Users API from Zai — 9 operation(s) for users.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/zai-users-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-virtual-accounts-api
  name: Zai Virtual Accounts API
  description: The Virtual Accounts API from Zai — 5 operation(s) for virtual accounts.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/zai-virtual-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
- aid: zai:zai-wallet-accounts-api
  name: Zai Wallet Accounts API
  description: The Wallet Accounts API from Zai — 6 operation(s) for wallet accounts.
  humanURL: https://developer.hellozai.com/reference/overview
  baseURL: https://secure.api.promisepay.com
  tags:
  - Wallet Accounts
  properties:
  - type: OpenAPI
    url: openapi/zai-wallet-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.hellozai.com/docs
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview
  - type: Authentication
    url: https://developer.hellozai.com/reference/token
  - type: Documentation
    url: https://developer.hellozai.com/reference/overview-va
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-va
  - type: Documentation
    url: https://developer.hellozai.com/docs/payto
  - type: APIReference
    url: https://developer.hellozai.com/reference/overview-1
  - type: Documentation
    url: https://developer.hellozai.com/reference/async-overview
  - type: APIReference
    url: https://developer.hellozai.com/reference/async-overview
common:
- type: CapabilityMap
  url: capabilities/zai-capability-edges.yml
  name: Zai Business Capability Map
- type: Overlay
  url: overlays/zai-assembly-api-overlay.yaml
- type: Overlay
  url: overlays/zai-virtual-accounts-payid-overlay.yaml
- type: Overlay
  url: overlays/zai-payto-overlay.yaml
- type: Overlay
  url: overlays/zai-async-api-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/zai/overview
- type: AgenticAccess
  url: agentic-access/zai-agentic-access.yml
- type: DomainSecurity
  url: security/zai-domain-security.yml
- type: OAuthScopes
  url: scopes/zai-scopes.yml
- type: Authentication
  url: authentication/zai-authentication.yml
- type: Website
  url: https://www.hellozai.com/
- type: DeveloperPortal
  url: https://developer.hellozai.com/
- type: Documentation
  url: https://developer.hellozai.com/docs
- type: APIReference
  url: https://developer.hellozai.com/reference/overview
- type: GettingStarted
  url: https://developer.hellozai.com/docs/developer-checklist
- type: Authentication
  url: https://developer.hellozai.com/reference/token
- type: Webhooks
  url: https://developer.hellozai.com/docs/webhooks
- type: StatusPage
  url: https://status.hellozai.com/
- type: Pricing
  url: https://www.hellozai.com/pricing
- type: Blog
  url: https://blog.hellozai.com/
- type: Support
  url: https://support.hellozai.com/
- type: SignUp
  url: https://dashboard.hellozai.com/
- type: TermsOfService
  url: https://www.hellozai.com/company/policies/terms-conditions
- type: PrivacyPolicy
  url: https://www.hellozai.com/company/policies/privacy-policy
- type: Compliance
  url: https://www.hellozai.com/company/compliance
- type: LinkedIn
  url: https://www.linkedin.com/company/hellozai/
- type: Packages
  url: packages/zai-packages.yml
- type: SDKs
  url: packages/zai-packages.yml
- type: WellKnown
  url: well-known/zai-well-known.yml
- type: X-MCPServerCandidate
  url: mcp/zai-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from

# --- truncated at 32 KB (32 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/zai/refs/heads/main/apis.yml

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Zai

APIs 26

Postman Collections 4

Open Collections 4

Event Specifications 1

Security Posture 2

Scopes 1

Agentic Access 1

Get Started 4

Documentation 2

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