What’s Next for ZBCN

Just another minute guys appreciate the patience. I see Simon's joined Simon if you could just request As a speaker like I said for some reason X has given me a nice glitch where it's given me about three seconds to send invite so you could request to speak I'll get you in and we can get the show started I've just heard from Simon. He he just had to drop and he's coming back up now so one moment Perfect No worries. You don't gives everyone some time to grab their coffee water popcorn with whatever they're looking for I've gone with water Worth a cup of coffee by 10 a.m. Is pushing it but yeah, we'll transition to water after this one This is great so many people joining already. Thank you everyone who's come out today I can see Simon back in the audience now, so he should be requesting with you perfect See him I think he dipped again there Yeah, I don't know if he's having connectivity problems There we go. Hey Simon. Hey Ben. Hey There he is. How you doing good great to be here today good good good microphone is sounding good So if you guys are all okay. I'm happy to get us started Great stuff. Okay. Well look. Thank you to the team from uphold for Facilitating this one. It's a great to be able to work with amazing partners like the team uphold and and thanks to Simon as well for giving up your time I've been on vacation for a couple of weeks I've just come back feeling great and It's a perfect time. I think for us to have a bit of a ZBCN and Zebeck ecosystem catch up Joining us today we have Simon from Zebeck CEO at Zebeck who obviously needs very little introduction to our regular Zebeck listeners, but for the the benefit of the people here from uphold Simon as CEO at Zebeck And we also have Marcos who is head of digital asset services app uphold Marcos great to have you with us and and thank you for for facilitating this one Before we get into the the bigger thing I just thought I just a quick hello from you might check from you and also I'm from Simon just to say hello. So how are we doing guys? Yeah, doing great thanks Great good stuff you today Ben and Marcos Yeah, good stuff. Well, I want to start with kind of like bigger picture stuff before we get into the detail on ZBCN Simon There's been a huge amount happening across the Zebeck ecosystem. So Looking at my last notes consumer payments payroll enterprise New blockchain integrations increasing utility around ZBCN itself So I just I guess the best thing to do is to say Simon if Somebody hasn't checked in with Zebeck for a few months How different does the ecosystem look today and what have you been working on Oh, there's a lot to say. I mean as I said now a few times this year 2026 has all been about product expansion for his effect We like to think of it as we're laying the infrastructure now for the new operating system for the economy Which is going to be blockchain based and stablecoin based we're now seeing both retail and enterprise adoption of ZBCN stablecoin based solutions and the use cases are stretching far beyond payroll Which I'm sure we're going to get into in a bit more detail today But to give our listeners a very quick update our retail mobile super app has been out now for six weeks And we've achieved over 12,000 downloads and 10 million plus in card and payroll volume On the payroll side our payroll solution has received a serious upgrade this year with our new enterprise solution on Solana and Stellar Allowing global enterprises to hold their treasury and pay global teams in real time via stablecoins This is actually marked a big shift in ZBCN's adoption beyond just crypto native or crypto friendly businesses Now to multinationals with global workforce is and much more complex needs And last we've introduced more utility for the ZBCN token Across all of our products and with these new releases we expect to see even more from the token Especially as regulatory clarity arrives soon in the US Which of course we've been very active advocates for in Washington So we're very excited to see how the next few months play out But I know it's going to be a very strong ending of the year Love that and and thank you so much for that kind of update that overview Really really exciting to see how kind of regulation smooths out in Washington I know a lot of people are watching that Marcus I guess a great segue then into kind of like what you're seeing from uphold side of things You're obviously dealing with a huge number of digital asset projects and ecosystems So what's standing out for you more broadly at the moment and what has stood out for you about the progress ZBC is making Yeah Thanks. Yeah, thanks for having me I I think like I guess broadly what's really kind of caught our attention is how Uh the ecosystem has really feels like it's it's almost growing up a lot more focus on on projects with utility like the vex That are really kind of tackling the the pain points that have hit traditional enterprise businesses up to this day um What's really kind of always captured our attention with the vex and meeting with Simon is just he's just such a passionate builder And one and that kind of really expressed through through the projects You know, it's been it's been a really challenging market for the industry and but here we're really excited that ZBC have been just constantly relentlessly building in during this challenging market That's exactly what we like to see with the with the projects that we support in partnerships And they really found a way to connect payroll cards and enterprise infrastructure into one ecosystem So it's really kind of just really zoning in on what's happening in the industry and making sure that ZBCs That's for front of it So that that's really what's been exciting for us to see about the vex Yeah, yeah, absolutely you and us both like from a community perspective it's uh the the relentlessness of ZEBEC and the way it ships has always been I think the thing that has really captivated the community And and I guess my next question then probably the best thing to do is start with the thing that the community will probably want to hear about most which is ZBC in itself we've talked for a long time about building utility around the token itself Rather than you know like the utility simply existing on a roadmap So what's changing around that kind of side of things Simon and what's changing inside the super app for ZBC and holders Well, first of all, Mark goes is incredibly correct when he says you know the back has been shipping product after product throughout this Difficult time in the market and it's something that I as the CEO have been incredibly proud of to see our tech team continuing to deliver And of course as our community knows we had an incredibly strong launch over the summer of the mobile super app And we have so much more coming to the super app later this year with new features that are coming out that are going to be tied directly to your tier within the app Of course right now in the app all of the streaming fees are paid directly in ZBC and and the card fees are converted to ZBC and But what the really exciting stuff is coming as part of this tier reward program So the apps basic features of sending payment streams and issuing low limit cards and staking that's going to stay available to all users But new features are going to roll out later this year Which are only going to be available to users who reach a minimum ZBC balance within the app So we're talking about higher limit cards our limitless black card the ability to on and off ramp funds and our money gram integration Which is coming very soon to the super app and it's going to allow for global remittance And low-cost cash outs at real brick and mortar shops around the world So when you really think about what you can do now with the ZBC super app it easily replaces five to ten different financial apps From your banking app to your credit cards apps and money transfer and payroll all in a single solution And what I'm personally most excited about is actually coming later this year And it's going to take the app to a new level with a full points and travel reward system This has been a feature that our highest spending will clients have been asking about for a while now We've been working on it for months in the background to make sure we get it right when it goes live So stay tuned for that But this of course is another feature that's going to be required to be part of the ZBC on tiers within the app So lots of exciting stuff for ZBC on holders in the super app as well as other products That is a huge update Simon and thank you I um I've just made a note next next community update I'm going to press you on that one but I'll leave you now for a second We'll definitely have more to share by then but just going to move on to the sneak peak I love it. We've um I you did touch on something else though that I would like to kind of burrow into we get Oh, I've certainly been asked about this repeatedly Which is what's happening with the black card and you did just mention it there can you kind of go into any more detail on that Yes Well our ever popular ZBC black is getting a serious upgrade later this year And we're going to relaunch the product as a high spending travel rewards card It's going to be loadable with 100 plus different tokens and supported by over 20 chains It's the crypto card to end all crypto cards as I like to say and it's going to be integrated directly within the super app And our staking and treasury solution so Expect this to come out first to select super users at launch and then open up to the polyg based on the tiered ZBCN reward program that we just discussed massive um Markos I guess This is probably an interesting development from your perspective too right when you When you see tokens increasingly connected to like real products and user behavior rather than simply just kind of trading for trading sake How important is it that in kind of like creating a healthier digital asset ecosystem for you guys? I mean, that's realistically the most essential aspect in in for us I mean the most important thing for us is that we support projects that we're going to build a community around on the platform And also attract a you know a long sticky user base So the last thing we want is tokens that are just flashing the pan going to go here Then our users might be upset so we really love that ZBC has just been constantly building and expanding its utility um and I guess it's really shown in in everything they do right Tokens that really have separated them still themselves this This uh cycle have been those with you know true fundamentals Um, we really seen kind of a gravitation away from assets that are solely speculative So yeah, this is something that we find really exciting and the really tackling kind of um A role in the ecosystem that uphold feels very passionate about payments, you know cards We've we've also launched those but we think it's really important for users to actually be able to use you use the The tokens for their intended utility and I think there's a huge market for digital nomads And it seems to be exactly what Simon and the ZBC team are building Yeah, absolutely. I think You know like one of the biggest shifts at ZBC has been the move from being known Primarily for like streaming payroll into much broader financial infrastructure That's the thing that I think everyone's really excited about here So the next piece of that I know Simon mentioned in our last conversation is around the corporate card I know that's like another piece that you're bolting on Simon. Where are you out with that right now Well, we do have enterprise cards launching around the same time as the new black card later this year And it's going to plug directly into enterprise payroll and on-chain treasury So just like the super app will require ZBC and balances to use and the fees generator will be put towards ZBC and buybacks on the corporate card side as well Well, what I think is most exciting about these cards is that they're going to support Agente payments natively through the issuance API and stablecoin rails for letting agents manage loads and spending for corporate use cases We're seeing companies now rapidly moving in the direction of automating their finance teams and even delegating smaller payments to agents And our infrastructure and card products at Zbeck are ideally suited for this market in use case So that's another really exciting launch that's coming out this year. We're going to have a few Launch partners with us as we go to market with a white legal solution as well for some corporate clients and blockchain layer ones nice one Simon I'm gonna ask a question here that apologies to the the Zbeck nation who Who know the answer to this inside out but given that we're you know hosting this with the guys uphold I want to kind of like I guess get you to articulate a few things for the uphold community more broadly Why is bringing payroll treasury