# Zai

**Canonical:** https://apis.io/providers/zai/  
**Website:** https://www.hellozai.com/  
**APIs profiled:** 4

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.

## Kin Score — 58.8 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 58.8).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 65.1 |
| Governance | 20.8 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Payments**: 68.8 (matched via tags).

## Agent readiness — 50.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Zai Assembly API** — Zai's core payments platform API. Onboard users, create and manage wallet accounts, items (transaction records), bank and card accounts, companies, fees, tokens, callbacks and b...
- **Zai Virtual Accounts and PayIDs API** — Create and manage Virtual Accounts and PayIDs on the New Payments Platform (NPP), letting platforms receive real-time account-to-account pay-ins to uniquely addressable virtual ...
- **Zai PayTo API** — Create and manage PayTo agreements (mandated real-time debits) and initiate payments against them over the New Payments Platform. OpenAPI 3.0.1, version 1.4-external, 10 documen...
- **Zai Asynchronous API** — Asynchronous API for submitting long-running operations and retrieving their results without blocking, complementing the synchronous Assembly API. OpenAPI 3.0.0, version 1.0.0, ...

## MCP servers (1)

- **zai-mcp.yml**

## Agentic access (1)

- **Zai Agentic Access** — 128 operations · 54 acting

## Security (2)

- **Zai Authentication** — http/oauth2 · 3 schemes
- **Zai Domain Security** — TLSv1.3 · HSTS · DMARC

## 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 Wallets, Payouts

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/zai/). Scores are computed from the provider's own public artifacts under a published rubric.